Fintecture, the instant transfer payment solution


Which B2B payment solution is most optimal in 2022?

Do you need a payment solution that can be used both in-store and online and that will suit all your customers? 

As the market and the players evolve in their consumption patterns, the processes do not always follow at the same speed. Payment solutions are one of them. Did you know that 90% of B2B payments that are made offline are mainly due to the fact that companies' payment methods are not adapted?

Discover optimal solutions that will best meet your needs.


State of the art of the B2B market

Representing around 23.6% of sales by value, i.e. by number of transactions, the B2B market is still significantly smaller than the B2C market. However, the figures reverse when it comes to sales in global transaction volumes, as they represent 82% of the latter with $26.7 trillion in 2019.

  • Share of B2B e-commerce sales in total e-commerce sales volume (%)
  • B2B e-commerce sales by value
  • B2C e-commerce sales by value

We are also seeing more and more of these exchanges online, especially since the Covid crisis. Purchases that are more familiar and common to the Y generations who are now taking over the share of B2B buyers since 2020. 

As the "typical" B2B buyer evolves, so should the company's sales process. Up to 80% of B2B buying decisions are based on the buyer's direct or indirect customer experience, while only 20% are based on price or actual offers.

Traditional payment methods

Bank transfer

The most common transaction in B2B, the transfer allows an agent to be transferred directly from one account to another. The customer gives the order to his bank to transfer the sum thanks to the bank identification statement (RIB) provided by the beneficiary. It is a fairly flexible payment method since the order can be made at any time (before or after the order) and on a recurring basis. 

It is secure and free of charge for both parties in most cases, whether it is a one-off or a permanent transfer, between the same institutions or not. A SEPA transfer, i.e. a transfer between two institutions in the European Economic Area, is free of charge when initiated by the customer on the Internet. On the other hand, if it is requested at a counter or by telephone, it is regularly subject to charges of up to €5. As for international transfers, the fees vary and depend on the bank.

However, the speed of the transfer is usually between 2 and 3 days, unless you choose an instant transfer, but this will be subject to charges. There is an alternative to this which is the immediate transfer, which is much cheaper, just as fast and easy to use, but we will come back to this later.

The bank card

The card has become the main means of payment for most transactions in recent years as it is simple and fast. It can be used nationally and internationally and remains the preferred method for online purchases, although it is more suitable for B2C.

As regards security, the vast majority of cards now have 3D secure, the strong authentication tool which consists of the payer entering a confirmation code on the bank's website to finalise the purchase. It aims to protect against fraud. 

However, it is not a perfect solution as it can be very costly for the merchant with fees ranging from a minimum of 1.2% to sometimes 3%. In addition, following the transaction amounts, the card is hardly suitable for large purchases, as it is subject to ceilings, often restrictive for B2B payments. 

The cheque

The cheque is one of the oldest means of payment used in business. The holder of a bank account gives the order to his bank to pay a certain amount to a beneficiary. The advantage for the latter, unlike the card, is that it has no cost.

However, it is not very practical, as it is very strict in its drafting rules and its collection time, which must be subject to a credit check by banks. This is why it is likely to disappear in the years to come, as it no longer corresponds to the speed and flexibility required by today's transactions.

New payment platforms

In this section, we will discuss the intermediate digital platforms that can also act as online wallets for some, such as Paypal, Stripe, Skrill, etc. Seen from afar, the principle remains the same as a payment by card or transfer, but these platforms have some very practical options in addition

PayPal offers personalised invoices as well as an online wallet, so you don't have to dip into bank accounts if you want to buy something yourself later.
Stripe offers the possibility of using countless payment options to customers, and with Skrill it is possible to fund your wallet without a bank card. Fintechs that manage and centralise various payment options and currencies are numerous today, you just have to look for the one that would best suit you and your customers. 

The main drawback to these payment solutions is the cost, which can be very high indeed. It is often necessary to add a minimum of 2%, since in addition to the card or bank commission, the platform also adds its own commission. 

An innovative French B2B solution

Growing your business with Fintecture

Do you want fewer shopping cart abandonments and fast, uncapped payments ? Fintecture Fintecture is a French solution that is perfectly suited to B2B payments.

This company is not quite like the others, as it has created its own payment rails by connecting to banks through their APIs. This allows it to make immediate transfers that go directly from one account to another without intermediaries in less than 24 hours. In addition to speed, this disintermediation ensures a frictionless payment without payment failure, while the transfer allows you to bypass the small card limits that are not practical in B2B. You benefit from fewer shopping cart abandonments and 15% more sales. With no intermediaries, this means that there is also no other institution to take a commission, making Fintecture one of the most cost-effective B2B solutions available today.

The immediate transfer is irrevocable, the payment status is visible in real time and the payments are secured with double authentication and the advantage is that you do not need a card or IBAN to make a payment. 

Fintecture is connected to 99% of French banks and 95% of Spanish banks.

Cashing in online

Firstly, you can collect from your online shop if you are an e-commerce. On your checkout, this is shown in the image below. To pay, the customer :

  • Selects the Fintecture immediate transfer
  • Choose your bank
  • Authenticates with his usual login and password
  • Validates the transaction

No IBAN, no card and strong authentication for absolute security. 

In addition, the irrevocability of the payment allows you as a merchant to prepare and dispatch the order immediately without fear of cancellation. 

Cashing in shop or remotely

The payment request Fintecture is a feature that allows a company to send a payment link anytime, anywhere via its online customer area or via the Fintecture application. This link can be sent as an email, clickable link or QR code.

The creation of this link is very easy as you can see below. To pay, the principle is the same as online, no need for IBAN or card for the customer. They click on the link or scan the code, choose their bank, authenticate themselves and validate the transfer. The funds will be in your account within 24 hours.

The customer does not need to have an account or download the Fintecture application beforehand to pay. Ideal for order settlement, topping up in case of forgetfulness or invoice dunning. 

Every smartphone can thus be easily transformed into an EFTPOS terminal capable of rapidly cashing in amounts of any size. Practical when you know that 90% of B2B payments are still made offline.

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