6 Best B2B Payment Solutions for Businesses

This article compares six providers — Framnex, Airwallex, Nium, Thunes, Wise Business and Stripe Connect — covering their capabilities, target customers and use cases.

Best B2B Payment Solutions: 6 Providers Compared

B2B payment solutions range from ready-to-use services for international transfers and vendor payments to API-based infrastructure and white-label platforms for launching branded financial products. The table compares six providers by their capabilities, target customers and pricing approaches.

Comparison Table: B2B Payment Solutions at a Glance

1. Framnex: White-Label B2B Payment Solutions and Embedded Finance

Framnex provides white-label fintech infrastructure and embedded finance solutions that enable businesses to launch and scale financial products under their own brands without building the entire technology stack from scratch. Unlike standard business payment services, Framnex focuses on integrating financial capabilities into existing products and platforms.

Its capabilities include white-label payment solutions, digital wallets, cross-border payments, cards, foreign exchange (FX) and remittance. By combining multiple financial functions within a unified platform, Framnex helps businesses reduce integration complexity and expand their offerings as they scale.

• Key advantages: Framnex helps businesses launch branded financial products faster without building the entire technology stack themselves. Its unified white-label fintech platform brings together payment, wallet, card and FX capabilities, reducing the complexity of integrating separate systems and supporting future product expansion. 

• Pricing and implementation: Commercial terms are tailored to the project scope and selected capabilities rather than based on a standard self-service account plan. Integration requirements and available capabilities depend on the jurisdiction, financial partners and regulatory arrangements.

• Best suited for: Fintech companies, marketplaces, SaaS platforms and enterprises seeking to launch or expand branded financial products, embed payment and wallet capabilities into existing platforms, or introduce additional financial features without building the underlying technology infrastructure from scratch.

• Availability and regulatory considerations: Framnex offers partnership and white-label infrastructure models for UAE-related use cases, including branded financial products. The available capabilities and launch arrangements depend on the selected operating model and financial partners. Framnex provides B2B software and infrastructure rather than regulated financial services directly; regulated activities are performed by the relevant licensed partners.

2. Airwallex: Global Business Payments

Airwallex is a global financial platform offering business payment solutions for companies managing international transactions. Eligible businesses can use multi-currency accounts to receive and hold funds in different currencies, convert funds through foreign exchange (FX) services and make international transfers to suppliers and contractors.

The platform also supports online payment acceptance, business payouts, corporate cards and expense management. Its APIs and accounting integrations enable businesses to automate payment workflows, including payment initiation, bulk payouts and transaction reconciliation.

• Key advantages: Combining international transfers, FX and payment acceptance; centralized management of international financial operations

• Pricing and fees: Airwallex offers business account plans and transaction-based pricing, with rates varying by country and product. Costs may include monthly account fees, FX markups, international transfer charges and payment processing fees. Businesses should compare the total cost of receiving, converting and transferring funds rather than evaluating account fees alone.

• Limitations: Airwallex account availability, supported currencies and payment capabilities vary by country of registration. Businesses should confirm eligibility and access to the required services before onboarding. Airwallex supports certain AED payment capabilities for eligible customers registered elsewhere, but its UAE AED Global Account is not available to UAE-based customers.

• Best suited for: International businesses, e-commerce companies and enterprises seeking multi-currency accounts, cross-border payments and automated financial operations.

3. Nium: International Business Payment Infrastructure

Nium is a global payments infrastructure provider that enables fintech companies, financial institutions and enterprises to manage international business payments through API-based integrations. Its platform supports cross-border transfers and payouts, allowing businesses to connect to international payment networks without building separate integrations for each market.

Nium supports payments to bank accounts and selected local payment methods, depending on the destination. Its APIs enable businesses to initiate transfers, track transaction statuses and automate payout workflows. This infrastructure is particularly relevant for companies processing high volumes of international payments or expanding their operations across multiple markets.

Key advantages: API-based payment infrastructure; automated international payouts; fewer separate integrations across payment markets 

• Pricing and implementation: Nium operates primarily through tailored commercial agreements rather than standard self-service account plans. Pricing and implementation requirements depend on factors such as transaction volumes, payment corridors, supported currencies and integration needs. Businesses should confirm applicable transaction fees, FX costs and technical onboarding requirements directly with Nium.

• Limitations: Nium supports payouts to UAE bank accounts, including AED payment routes. Its published UAE payout documentation lists bank transfer options and settlement arrangements. However, this confirms UAE payment coverage rather than eligibility for UAE-incorporated businesses to contract directly with Nium. Direct onboarding terms are not established by the public route documentation.

• Best suited for: Fintech platforms, payment service providers and enterprises requiring API-based international payment infrastructure, automated payouts and scalable cross-border payment operations.

4. Thunes: Cross-Border B2B Payment Network

Thunes operates a global payment network that connects financial institutions, fintech companies and payment providers to international payment destinations. Its infrastructure enables businesses to make cross-border payouts through a single integration, reducing the need to establish separate connections with local payment networks.

The network supports transfers to bank accounts, mobile wallets and other local payment methods, depending on the destination. Through its APIs, businesses can initiate payments, monitor transaction statuses and integrate international payout workflows into their existing systems. This connectivity helps payment providers manage transfers across multiple markets and scale cross-border payment operations.

• Key advantages: Access to local payout methods through one network; connectivity to bank accounts and mobile wallets 

• Pricing and implementation: Thunes primarily operates through commercial agreements rather than standard self-service business account plans. Pricing and integration requirements depend on factors such as payment corridors, transaction volumes, payout methods and technical requirements. Businesses should confirm applicable transaction fees, FX costs and settlement arrangements directly with Thunes.

• Limitations: Thunes supports cross-border payouts into the UAE through its Direct Global Network. Its September 2026 expansion introduced additional payout connectivity in the market, including access to local payment methods. However, the announcement does not establish whether every UAE-incorporated business can join the network directly. Access depends on the applicable membership and commercial arrangements.

• Best suited for: Payment service providers, fintech companies, financial institutions and global enterprises requiring international payment connectivity, local payout methods and scalable cross-border payment capabilities.

5. Wise Business: International Business Payments

Wise Business is a ready-to-use payment service designed for companies managing international transfers and multi-currency transactions. Eligible businesses can hold and convert funds in multiple currencies, send payments to overseas suppliers and contractors, and manage cross-border transactions through a single account.

The platform supports batch payments, allowing businesses to pay multiple recipients in one workflow. Wise also offers API integrations and connections with accounting software, helping companies automate transfers, synchronize transaction data and simplify reconciliation.

• Key advantages: Transparent transfer fees; mid-market exchange rates; convenient batch payments for international suppliers
• Pricing and fees: Wise Business uses transaction-based pricing rather than a standard monthly subscription. On its US pricing page, Wise lists a one-time setup fee of $31 for access to business account features, while international transfer fees vary by currency and payment route. Currency conversions use the mid-market exchange rate with a separate fee. These US rates are illustrative and do not establish pricing or full account availability for UAE-incorporated businesses.
• Limitations: Wise Business availability and account features vary by country. Businesses should check whether they can open an account, access multi-currency balances and obtain the account details they need. Certain features are restricted in specific markets, including USD account details for customers with a UAE address.
• Best suited for: SMEs, international businesses and companies making regular cross-border payments to suppliers, contractors and other business partners.

6. Stripe Connect: Marketplace Payment Solutions

Stripe Connect is a payment infrastructure solution designed for marketplaces, SaaS platforms and digital businesses managing transactions between multiple parties. It enables platforms to accept customer payments, onboard sellers or service providers through connected accounts, and manage payment flows within their applications.

The platform supports application fees, transfers and payouts to connected accounts, allowing businesses to collect platform commissions and distribute funds to sellers. Its APIs enable automated onboarding, payment processing, transaction tracking and payout management. Available workflows depend on the chosen account configuration and payment flow.

• Key advantages: Seller onboarding and multi-party payment management; configurable platform fees; automated payouts 
• Pricing and fees: Stripe Connect offers different pricing models depending on whether Stripe or the platform manages pricing for connected accounts. Costs may include fees for active connected accounts, payouts and payment processing. Rates vary by country, account configuration and payment method, so businesses should review the applicable pricing structure before implementation.
• Limitations: Stripe Connect is available to UAE-based platforms, subject to specific configuration restrictions. UAE platforms can use Custom connected accounts based in the UAE with supported payment and payout arrangements. However, certain payment configurations involving transactions processed on behalf of connected accounts are not supported. Connected businesses must provide a valid UAE trade licence, and unlicensed individuals cannot currently be onboarded as connected accounts.
• Best suited for: Marketplaces, SaaS platforms and digital businesses that need to onboard sellers, collect platform fees and automate multi-party payments and payouts.

How to Choose the Right B2B Payment Solution

Choosing the right B2B payment platform depends on where your business operates, how payments are processed and whether you need a ready-to-use service or infrastructure for integrating financial capabilities into your platform.

Payment Coverage, Costs and International Transfers

Start by checking which countries, currencies and payment methods each provider supports. When comparing a cross-border payment platform, consider both the markets where your company operates and the destinations where suppliers, contractors or customers receive funds. Local bank transfers and alternative payout methods may offer different costs and settlement times than traditional international transfers.

Compare the total cost of each transaction, including transfer fees, foreign exchange (FX) markups, intermediary bank charges and any account-related fees. Settlement times also matter, particularly for businesses managing frequent vendor payments or operating across multiple time zones.

Geographic coverage does not always mean that every service is available to businesses registered in that market. For example, a provider may support payments to the UAE without offering business accounts to UAE-incorporated companies. Before selecting a platform, verify customer eligibility, supported currencies and payment routes, as well as applicable regulatory requirements.

Businesses should also check whether the provider's services are available directly or through licensed financial partners, particularly when implementing payment infrastructure across multiple jurisdictions.

B2B Payment Automation and Vendor Payments

B2B payment automation helps businesses manage recurring payments to suppliers, contractors and other business partners without processing every transaction manually. These capabilities are also important when evaluating corporate payment solutions. When comparing vendor payment solutions, check whether providers support scheduled transfers, bulk payouts and automated payment initiation across multiple currencies and destinations.

Approval workflows are particularly important for companies managing high payment volumes. Features such as role-based permissions, multi-level approvals and automated reconciliation can help businesses maintain control over outgoing payments, reduce processing errors and match transactions with accounting records.

API integrations also play a key role in payment automation. Businesses should assess whether a solution connects with their accounting software, enterprise resource planning (ERP) systems and internal financial tools. These integrations can automate payment instructions, synchronize transaction data and reduce manual reconciliation.

Implementation requirements vary between providers. Ready-to-use payment services may require less technical setup, while API-based infrastructure typically involves development resources, testing and ongoing maintenance. Businesses should also consider transaction monitoring, exception handling and the operational resources needed to manage payment workflows as volumes increase.

Marketplace Payments and White-Label Infrastructure

Marketplaces and digital platforms need payment solutions that support transactions between multiple participants. Key capabilities include payment acceptance, seller onboarding, platform fees and payouts to sellers or service providers. Businesses should assess how each provider handles fund distribution, payout schedules and transaction reporting.

The choice between ready-to-use payment services and white-label infrastructure depends on the business model. Ready-to-use services help companies manage payments through existing tools, while white-label fintech platforms enable businesses to integrate financial capabilities into products offered under their own brands.

For companies launching branded financial products, embedded finance infrastructure can support capabilities such as digital wallets, cross-border payments, cards and foreign exchange (FX). Platforms such as Framnex bring these functions together, reducing the need to develop and integrate separate financial technology components. Businesses should evaluate integration flexibility, implementation resources and scalability before selecting an infrastructure provider.

Compliance responsibilities are another important consideration. Depending on the payment model and jurisdiction, platform operators may need to address customer verification, transaction monitoring, data protection and regulatory requirements. Businesses should clarify which responsibilities belong to the platform, technology provider and regulated financial partners before implementation.

FAQ

Do businesses need a separate bank account to use B2B payment solutions?

Not always. Some providers offer business accounts or payment accounts as part of their services, while others connect to existing financial infrastructure. Requirements depend on the provider, payment model and country of registration. Businesses should confirm whether an external bank account is necessary before onboarding.

Can B2B payment solutions handle recurring supplier payments?

Yes, some solutions support recurring or scheduled payments to suppliers and contractors. Available features may include payment templates, automated payment initiation and recurring payout instructions. Businesses should verify whether these functions are built into the platform or require API integration.

What happens if an international B2B payment fails?

A failed payment may be rejected, returned or held for review, depending on the reason and payment method. Common causes include incorrect recipient details, insufficient funds and compliance checks. Businesses should review the provider's procedures for payment tracking, refunds, fees and resolving failed transactions.

Can businesses use multiple B2B payment providers?

Yes. Companies may use different providers for payment acceptance, international transfers and local payouts. This approach can improve access to specific markets or payment methods, but it also creates additional reconciliation, integration and operational requirements.

How long does it take to implement a B2B payment solution?

Implementation time depends on the provider and integration model. A ready-to-use business payment service may require account verification and configuration, while API-based or white-label infrastructure can involve technical integration, testing and regulatory onboarding. Businesses should request an implementation timeline based on their specific requirements.

What security features should businesses look for in B2B payment solutions?

Important features include multi-factor authentication, role-based access controls, transaction monitoring, encryption and audit logs. Businesses should also assess how the provider protects payment data, manages unauthorized transactions and handles security incidents.

Can businesses switch B2B payment providers without disrupting operations?

Switching providers is possible, but the process may require updating payment integrations, recipient details, accounting connections and payout workflows. Businesses should plan for data migration, testing and a transition period to reduce the risk of failed or delayed payments.