# Introducing Visa B2B Payables

B2B payments are evolving so players across the commercial landscape can access the convenience and simplicity of modernized, digital-first payments.

For Financial Institutions, Fintechs, Enterprise Resource Planning systems (ERPs), suppliers and their customers, embracing new B2B payment solutions can improve control and visibility, reduce complexity and enhance overall business operations.

## Designed for businesses of all sizes

Visa B2B Payables is designed for large, medium and small businesses to connect, communicate and transact with ease.

### Efficient payments

Organizations of all sizes can pay approved invoices and make on-demand payments simply and securely.

### Secure processing

Visa B2B Payables offers a comprehensive suite of services via the VCS (Visa Commercial Solutions) Hub or through Application Programming Interfaces (APIs).

### Optimized solutions

Visa B2B Payables enables our clients to offer their customers a better way to pay supplier invoices and optimize working capital.

## Automate existing processes

Adopt a modern technology platform that reduces manual effort, offers straight through processing and enables automated reconciliation, significantly improving the payment processing experience.

## Control spend and mitigate fraud

Ensure control and transparency for business payments by setting spending limits, regulating user permissions, managing supplier relationships and leveraging a dashboard for data monitoring.

## Simpler and more efficient payment operations

Simplify the payments experience with an intuitive user interface, through minimal-effort APIs, via a file upload or leveraging a new universal file mapping option.

Streamline Accounts Payables operations by facilitating efficient, end-to-end payment execution to suppliers, with the ability to merge multiple invoices into a single payment instruction.

## Improve working capital management

Optimize working capital and improve cash flow management by leveraging Visa’s virtual card to extend Days Payable Outstanding (DPO).

## Why Visa B2B Payables?

### Access to Visa B2B acceptance services

Visa offers tools, consultancy and education and collaborates with fintechs to build a stronger, more transparent commercial payments ecosystem.

### Powered by the virtual card engine from Visa

Propel businesses forward by providing the best improved security with unique virtual card numbers for each transaction. Simplify payment processes, and free businesses to focus on growth.

### The security of Visa brand identity

Visa is a globally trusted partner committed to innovation and serves as the connecting network of networks between issuers, acquirers, fintechs and ERPs.

## Secure and convenient payments for everyone players across the commercial landscape

**Financial institutions**  
**Buyers**  
**Partners**

### Benefits for Financial Institutions

- Increase card payment volume  
- Meet business customer needs for disbursing payments  
- Provide global reach with advanced technology  
- Offer the convenience of consumer-like payments in the B2B space

### Benefits for Buyers

- Pay suppliers using preferred methods, including automated payments  
- Optimize working capital for better investment opportunities  
- Reduce fraud risk  
- Improve control, visibility, and simplicity

### Benefits for partners

- Embed Visa payment capabilities to offer integrated solutions across the B2B ecosystem  
- Reduce the effort needed for customers to pay and be paid  
- Provide an end-to-end payment solution  
- Improve supplier payment experiences

## Take the next step

Talk to us about your next step into the modern world of digital payments.