B2B Payments

B2B payments encompass accounts payable, commercial cards, ACH transactions, virtual cards and cross-border fund transfers between businesses. Melio recently launched an agentic payments network, while WEX, Mastercard, Visa, banks and fintech companies are accelerating the integration of virtual cards, transaction data and AI-powered automation. ACH usage is also rising as businesses gradually reduce their reliance on paper checks. Key areas to watch include market competition, system interoperability, entrenched workflow habits, and the fraud and data-governance risks accompanying digitization.