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B2B Payments
B2B Payments is the blueprint for moving money between businesses: who owes what, when it is paid, and proof that every amount landed where it should.
Overview
Business payments are not card swipes. They are invoices with terms, approvals with limits, bulk payouts, and settlements that have to match a bank statement to the rupee or the cent.
The blueprint starts with the ledger and the reconciliation, then adds the rails. Every payment is idempotent, every state change is logged, and anything that moves money above a limit waits for a named approver.
Who it is for
- B2B fintechs building payment, payout or collections products.
- Marketplaces and platforms paying sellers, partners or drivers.
- Enterprises replacing manual bank uploads and spreadsheet payment runs.
What you get
- Invoicing and payment links with terms, reminders and partial payments.
- Collections through virtual accounts, UPI, bank transfer and cards.
- Bulk and scheduled payouts with maker-checker approval.
- Cross-border payments through licensed partners.
- A double-entry ledger and daily reconciliation against bank statements.
- Webhooks, a partner API and an operations console.
How it runs
- Map the money flows, partners and the licences they rely on.
- Design the ledger, states and approval limits.
- Integrate one bank or gateway in sandbox and build the core flow.
- Add reconciliation, exceptions and the operations console.
- Security testing, then go-live with daily reconciliation reports.
In practice
- A marketplace paying thousands of sellers a day, with every payout matched to a bank credit.
- A collections product that issues a virtual account per customer and auto-applies receipts to invoices.
- A treasury team moving from manual bank uploads to approved, scheduled payment runs.
Technology
- Java, Kotlin or Go services with PostgreSQL and Kafka.
- Bank, payment-gateway, UPI and open-banking APIs.
- Idempotency keys, outbox patterns and replayable event logs.
How we charge
A fixed-fee discovery, then fixed-scope releases. Partner and bank fees are passed through at cost.
Questions
Do we need our own payments licence?
Not always. Many products run through a licensed bank or payment partner. Discovery maps which model fits and what each one requires of you.
How do you stop double payments?
Every payment carries an idempotency key, states change only through the ledger, and reconciliation flags any amount that does not match.
Talk to the team
Two-week, fixed-fee discovery. Production release by week 12.
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Let’s talk about what you want to ship.
Start with a two-week, fixed-fee discovery. You get a ranked portfolio, an architecture, a cost model and a fixed-price build plan.