Automate B2B payments workflow & embed directly into your accounts receivable process.
HighRadius is recognized as a Leader in the IDC MarketScape for Embedded Payment Applications, validating its enterprise-grade approach to B2B payments within the order-to-cash process. With AI agents automating up to 90% of payment workflows, intelligent interchange optimization, and compliant surcharge management, HighRadius helps enterprises reduce DSO, lower payment processing costs, and scale securely across global payment rails.
Built for high-volume, complex B2B environments, the platform combines embedded payment orchestration with real-time intelligence, delivering measurable outcomes, not just automation.
Discover why IDC recognizes HighRadius as a leader in embedded B2B payments innovation.
Download the ReportLower Cost Per Dollar Collected
HighRadius reduces card and banking costs by optimizing routing, interchange qualification, and surcharge recovery, lowering the effective payment cost. By combining interchange optimization with intelligent rail selection, finance teams see ~30% reduction on eligible transactions and improved net cash retention.
ERP-Native Payments
Because the platform is ERP-native, payment acceptance, authorization, and posting are enabled inside your system of record. This eliminates reconciliation gaps, reduces manual journal entries, and shortens month-end cycles by keeping invoice → payment → cash application → posting within one workflow.
Compliance-Safe Fee Recovery
HighRadius applies regional, card-brand, and processor rules programmatically so you can recover fees without regulatory risk. The system enforces legal surcharge limits, aligns with card programs (e.g., CEDP), and documents compliance, enabling reliable revenue recovery while avoiding fines or chargeback exposure.
End-to-End Cash Realization
This is payments that materialize as cash: the platform links acceptance to automatic cash application and ERP journal posting, giving treasury real-time visibility into collectability and settlement. The result: fewer exceptions, faster reconciliation, and predictable cash forecasting that materially improves working capital metrics.
Native SAP Settlement
HighRadius uniquely supports authorization at sales-order and capture at invoice within SAP, preserving business logic and preventing premature or duplicate captures. For SAP customers this reduces operational risk, maintains auditability, and ensures payments follow the exact commercial lifecycle, a capability few vendors offer natively.
L2/L3 Data Enrichment
The platform enriches transactions with invoice header and line-item data automatically so eligible B2B card payments qualify for L2/L3 interchange pricing. This automated enrichment both increases authorization acceptance and unlocks lower interchange fee, improving margins on large corporate card receipts.
A CFO-focused roadmap that shows how embedding payments in AR reduces DSO (up to 10 days), cuts payment processing costs, and converts invoices into predictable cash flow.
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Explore the hidden B2B payment challenges that impact cash flow, interchange costs, surcharge compliance, and scale better for enterprise finance teams.
Download Free Ebook
Compliance-safe playbook with a built-in calculator to model surcharge recovery and interchange savings, helping CFOs quantify up to 30% fee reductions.
Calculate Surcharge FeeHighRadius’ B2B Payments Software integrates directly with all major banks and ERPs, enabling real-time data sync for faster, secure payments, saving millions of dollars on interchange fees.
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Download ERP FactsheetMove past rulebooks and manual routing, our agents optimize and secure B2B payments across the entire order-to-cash lifecycle.
Agents coordinate authorization, capture, and settlement across cards, ACH, and direct debit, automating retries, split captures, and ERP-native posting without manual intervention.
AI assesses invoice and line-item data in real time to qualify transactions for L2/L3 pricing and to apply compliant surcharges, maximizing fee recovery and lowering net processing cost.
Agents run AVS/CVV, velocity, BIN, and pattern checks, and contextual fraud scoring, blocking suspicious flows and recommending safe fallbacks before business impact occurs.
Every authorization, decline, and settlement feeds back into the system - the agents learn from outcomes to improve routing, success rates, and recovery rules over time.
B2B payments software is a platform that enables enterprises to accept, orchestrate, and optimize business-to-business payments across cards, ACH, direct debit, checks, and virtual cards, within the order-to-cash process.
Unlike consumer payment tools that only move money, modern B2B payments software embeds payments inside ERP and AR workflows, connecting invoices, authorizations, settlements, cash application, and posting into a single, compliant system of record.
For enterprise finance teams, B2B payments software helps reduce Days Sales Outstanding (DSO), lower processing costs, maximize interchange recovery, and ensure global compliance while supporting complex requirements like Level 2/Level 3 data, surcharging rules, multi-entity operations, and SAP-native processing.
HighRadius B2B Payments goes beyond payment acceptance by using AI agents to automate and optimize the entire payment lifecycle, from invoice-driven payment initiation to settlement and reconciliation, delivering faster cash realization with lower cost and risk.
Automate payments, eliminate exceptions faster, and deliver audit-ready financials with Agentic AI for B2B payments.
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Payments gateway software helps businesses accept and process payments securely. It connects the buyer, seller, and financial institutions to enable digital transactions like card or ACH payments. For B2B companies, it often integrates with ERP or invoicing systems for seamless payment processing.
B2B payments involve businesses paying other businesses using methods like ACH, credit cards, or wire transfers. These transactions are usually tied to invoices and may go through approval workflows. Modern systems also offer automation and real-time tracking for better visibility.
Businesses collect B2B payments using ACH debit/credit, commercial credit cards, wire transfers, and checks. Virtual cards and customer portals support recurring billing. The choice depends on transaction volume, customer preferences, and cost. Efficient payment methods improve cash flow and reduce delays.
Examples of B2B payments include a distributor paying a manufacturer via ACH transfer for inventory replenishment, a SaaS company billing clients through credit card transactions for recurring subscription services, or a supplier receiving international wire transfers for large bulk product orders.
Digital payment solutions automate collections, reduce errors, and accelerate payment cycles. They enable flexible payment options and reduce Days Sales Outstanding (DSO). Real-time cash flow visibility improves financial planning. Automation simplifies compliance and lowers reconciliation workload.
