A B2B webshop needs payment options that reflect how companies actually buy: larger order values, internal approvals, invoices and payment terms. The right mix depends on the buyer profile, typical order and the merchant’s ability to finance receivables.
Card payments
Cards provide fast confirmation and work well for smaller or urgent orders. For higher B2B values, card limits, approval rules and processing costs can become obstacles.
Bank transfer and invoice payment
Bank transfer is familiar and closely connected to invoicing. Prepayment protects the merchant but moves cash out of the buyer’s business earlier. When the merchant offers an invoice due later, the buyer gains time but the merchant finances the waiting period and manages the receivable.
B2B Buy Now, Pay Later
B2B BNPL can separate the buyer’s payment date from the merchant’s payout. An eligible buyer selects an available term, while the merchant receives payment according to its agreement with the provider. Eligibility, pricing, payout timing and risk allocation always depend on the provider contract and individual transaction.
How to choose the right payment mix
- Review typical order values and purchase frequency.
- Identify where payment or internal approval causes buyers to leave.
- Measure how much working capital is tied up in receivables.
- Offer at least one fast option and one flexible option where appropriate.
- Show the amount, timing, cost and next step before confirmation.
The practical takeaway
A strong checkout does not simply display more logos. It gives the buyer a clear choice and helps the merchant control cost, cash flow and risk.