10 Best B2B Payments Platforms in 2026 (Global and India)

The best B2B payments platforms are 1. Stripe, 2. Adyen, 3. Xflow, 4. Razorpay, 5. Payoneer, 6. Airwallex, 7. Tipalti, 8. BILL, 9. Zoho Books and 10. Cashfree. Each automates a different part of how businesses pay and get paid by other businesses: collecting invoices, paying suppliers, or moving B2B money across borders.

A B2B payments platform is software that automates how a business sends, receives and reconciles payments with other companies, handling invoices, approvals, credit terms and bank or card rails in one place. Choosing one starts with the job: accounts payable (paying suppliers), accounts receivable (collecting from customers), or cross-border B2B payments.

• 1. Stripe - Built for online and SaaS businesses that invoice and bill other businesses through an API.
• 2. Adyen - Built for large enterprises that want one global processor for every B2B payment method.
• 3. Xflow - Built for Indian exporters receiving B2B payments from clients abroad.
• 4. Razorpay - Built for Indian businesses that collect online and pay vendors from one account through RazorpayX.
• 5. Payoneer - Built for SMBs and marketplace sellers paying and getting paid across borders.
• 6. Airwallex - Built for companies with entities in several countries that need multi-currency accounts, bills and cards.
• 7. Tipalti - Built for finance teams paying hundreds of global suppliers who want onboarding, tax forms and approvals automated.
• 8. BILL - Built for US small and mid-sized businesses automating payables and receivables with QuickBooks or Xero.
• 9. Zoho Books - Built for Indian SMBs that want GST e-invoicing, bills and payments inside their accounting software.
• 10. Cashfree - Built for Indian businesses making high-volume vendor and partner payouts.

The table compares the ten platforms on the B2B job each one does best, its published pricing, the accounting and ERP systems it syncs with, and whether an India-registered business can sign up. Pricing is from each company's official pages in October 2026; platforms that quote on request are marked so you know to ask for a written rate.

1. Stripe

Stripe is best known for online payments, and its Invoicing and Billing products cover the receivables side of B2B. You create an invoice in the dashboard or through the API, your customer pays on a hosted page by card or bank transfer, and Stripe sends reminders until it is paid. It supports 135+ currencies and businesses in many countries.

Invoicing Starter costs 0.4% per paid invoice, plus 0.5% if currency conversion is needed, with no set-up or monthly fee. In India, Stripe accepts new businesses by invitation, and international cards cost 3% plus 2% for conversion.

Key features

• Hosted invoice pages: each invoice gets a payment page where the buyer can pay by card or bank transfer, so your finance team does not have to send bank details by email.
• Payment terms and reminders: you can set due dates such as net-30 and let Stripe send automatic reminders, which shortens the time between invoice and cash.
• Recurring B2B billing: annual contracts, seat-based pricing and usage-based plans are billed automatically, which suits SaaS companies selling to other businesses.
• API-first design: invoices, customers and payments can be created from your own product or CRM, so billing runs without manual steps.

Pros

• Pricing is published and charged only on invoices that are paid, so you know the cost of collecting each invoice before you send it.
• Developer documentation and test tools are among the best available, which shortens the time to launch for a product team.
• One platform covers subscriptions, one-off invoices and card payments, so you do not need separate billing and collection tools.

Cons

• Stripe collects money but does not pay your suppliers, so you still need a separate accounts payable tool for bills and vendor payments.
• New Indian businesses can join only by invitation, and international card payments cost 3% plus 2% for conversion, which is expensive on large B2B invoices.

Best for: SaaS companies and online businesses that bill other businesses on a subscription or per-invoice basis and want invoicing built into their own product.

Verdict: Stripe is the strongest choice here for collecting B2B invoices online through an API, especially for subscriptions. If you also pay many suppliers, pair it with an accounts payable tool such as Tipalti or BILL, and if you are an Indian business, check that you can get an invitation first.

2. Adyen

Adyen is an enterprise payments platform that large global companies use to accept every payment method through one integration. For B2B it supports payment links for invoiced orders, bank transfers, virtual cards and buy now, pay later for business buyers, and its Adyen for Platforms product lets marketplaces onboard and pay out to business sellers.

Pricing is a fixed processing fee of $0.13 plus a fee that depends on the payment method; cards are charged at Interchange+ plus 0.60%.

Key features

• One global processor: cards, bank transfers and local payment methods in many countries run through one contract and one integration, which simplifies operations for a multinational.
• B2B payment links: sales and finance teams can send a link for an invoiced order, so business buyers pay without a checkout page.
• Adyen for Platforms: marketplaces can verify business sellers, split payments and pay out to them, which turns payments into a revenue line for the platform.
• Risk and authorisation tools: machine-learning fraud checks and authorisation optimisation help large merchants approve more legitimate payments.

Pros

• Interchange+ pricing shows exactly what the card networks charge and what Adyen adds, which matters at high volumes.
• A single global set-up replaces separate payment providers in each country.

Cons

• Adyen is built for enterprises, so a small business with modest volumes may not meet its onboarding requirements or justify the integration work.
• It focuses on collecting payments and does not offer an accounts payable workflow for paying your own suppliers.

Best for: Large enterprises and marketplaces that process high B2B volumes across several countries and want one processor for all of them.

Verdict: Adyen is the enterprise choice for collecting B2B payments at global scale, with transparent Interchange+ pricing. For a small or mid-sized business it is usually more platform than needed, and Stripe or a local provider will be quicker to set up.

3. Xflow

Xflow is the cross-border pick in this list and the first choice when the B2B payment comes from abroad. It is built for one B2B job: an Indian business receiving payment for an invoice from a client in another country. Your client pays into local account details in 25+ currencies, as if paying a local supplier, and Xflow converts the money at the live mid-market rate.

Rupees reach your Indian bank account the next business day, with an eFIRA for every payment. Published fees are $12 up to $2,000 on Starter or $20 up to $5,000 on Growth, and Xflow holds final RBI authorisation as a cross-border payment aggregator.

Key features

• Receiving accounts in 25+ currencies: clients in the US, UK, Europe and other markets pay you by local transfer, which avoids SWIFT charges being deducted from your invoice on the way.
• Mid-market conversion: the exchange rate is the live market rate, with the fee shown separately, so you can see exactly what each invoice costs to collect.
• eFIRA on every payment: the foreign inward remittance advice you need to treat services as zero-rated exports under GST arrives automatically, with no request to your bank.
• Zoho Books and Tally matching: payments can be matched in Zoho Books and Tally, which saves your accountant from reconciling foreign receipts by hand.

Pros

• You know the fee before you raise the invoice, because Starter and Growth charge a flat amount up to their limits.
• Money reaches your Indian bank the next business day, which keeps cash flow predictable for exporters with monthly billing cycles.

Cons

• Xflow only receives payments from abroad; it does not pay your suppliers or collect from customers in India, so you will still use a domestic platform for those.
• Pricing above $10,000 is quoted rather than published, so large exporters need to ask for a rate.

Best for: Indian IT and service exporters, agencies and SaaS companies that invoice clients abroad every month and want the full value and the GST paperwork without chasing their bank.

Verdict: For the cross-border part of B2B payments, Xflow is the strongest choice in this list for Indian businesses, thanks to mid-market conversion, flat published fees and automatic eFIRA. Use it alongside a domestic platform such as Razorpay or Zoho Books for paying suppliers and collecting from Indian customers.

Exporters comparing more receiving options can see our guide to cross border payments companies.

4. Razorpay

Razorpay serves both sides of B2B in India. Its payment gateway collects from customers by UPI, cards and net banking, and RazorpayX is a business banking layer for paying vendors, running payouts and managing approvals from one dashboard.

RazorpayX plans start at ₹1,499 a month (Core) and ₹4,199 (Pro), with a Vendor Payments plan at ₹9,799 a month, all billed quarterly plus GST; payout fees are charged separately.

Key features

• Vendor Payments with OCR: upload a supplier invoice and RazorpayX reads it and books it, which removes manual data entry for finance teams handling hundreds of bills.
• Automated TDS: TDS is calculated on vendor payments as they are made, so contractor and professional payments stay compliant without a separate spreadsheet.
• Approval flows: the Pro plan lets you build custom approval chains, and the other plans use maker-checker, so no payment leaves without a second person signing off.
• Bulk payouts on Indian rails: pay many vendors at once by NEFT, IMPS, RTGS or UPI, with partial payments against an invoice where needed.
• Gateway in the same family: collections from customers and payments to vendors sit with one provider, which simplifies reconciliation.

Pros

• It is one of the few platforms that covers both collecting and paying for Indian businesses, built around GST, TDS and Indian banking rails.
• Approval and TDS controls suit companies that have outgrown paying vendors from a bank portal.

Cons

• The monthly plan fee comes on top of payout charges, and payout fees are not published on the pricing page, so estimate the total for your volume.
• ERP integrations are an add-on rather than standard, which matters if you run SAP or another ERP instead of Tally or Zoho.
• The Vendor Payments plan at ₹9,799 a month is a significant cost for a business with only a few dozen bills a month.

Best for: Indian SMBs and mid-sized companies that already collect online and want vendor payments, TDS and approvals managed in one place.

Verdict: Razorpay is the most complete India-first option for both collecting and paying. Compare the plan fee against how many vendor payments you make each month; at low volumes, accounting software with bank payments may be enough.

5. Payoneer

Payoneer is a cross-border B2B payments platform for small businesses and marketplace sellers. You can receive from clients and marketplaces in 70+ currencies, send invoices and payment requests, and pay up to 1,000 suppliers or contractors in one batch from the same account.

Key features

• Multi-currency receiving accounts: marketplaces and clients pay you in their own currency, which avoids conversion at every step.
• Payment requests and invoices: send a business client a request to pay by card or bank transfer from inside Payoneer.
• Batch payments: pay up to 1,000 suppliers or freelancers in one go, which suits agencies and marketplaces with many contractors.

Pros

• Marketplaces such as Amazon, Upwork and Fiverr pay into Payoneer directly, so sellers do not need to set up anything new.
• Receiving and paying across currencies happen in one account, which helps small businesses that buy and sell abroad.

Cons

• Fees vary by currency, payment method and withdrawal route, so the real cost is hard to predict until you run a few payments.
• In India, Payoneer holds only in-principle, not final, RBI approval as a cross-border payment aggregator (January 2026), which some finance teams will want resolved before moving large volumes.
• Card payments from clients cost up to 3.99% plus $0.49, which is high for large B2B invoices.

Best for: Small businesses and marketplace sellers that receive from global marketplaces and pay overseas suppliers or contractors.

Verdict: Payoneer is convenient when marketplaces already pay you through it. For direct B2B invoices, compare its all-in cost on your own currency pairs with a dedicated receiving account or a multi-currency platform before committing.

6. Airwallex

Airwallex gives companies multi-currency business accounts, bill payments, corporate cards and payment links in one platform. It holds 20+ currencies, pays locally in 120+ countries and sends SWIFT transfers to 200+ countries.

Key features

• Global accounts in 20+ currencies: hold and receive money in local currencies, then pay suppliers in the same currency without converting twice.
• Bills and approvals: capture supplier invoices, send them for approval and schedule payment, which brings AP into the same account as your money.
• Corporate and virtual cards: issue cards with spending limits for teams and online subscriptions, with transactions synced to your books.
• Xero, NetSuite and QuickBooks connections: keep payments and cards reconciled automatically.

Pros

• Local payouts in 120+ countries avoid SWIFT fees on many supplier payments.
• Accounts, AP, cards and receivables in one product reduce the number of tools a multi-entity finance team runs.

Cons

• FX costs 0.5% above the interbank rate for major currencies and 1% for others, so check the margin against your main currency pairs.
• SWIFT transfers cost $15 to $25 each where local payouts are not available.
• Indian businesses should confirm eligibility first, and Airwallex does not offer an INR account.

Best for: Companies with teams or entities in several countries that pay suppliers and staff in many currencies.

Verdict: Airwallex is a strong all-in-one global account for multi-entity businesses that need AP, cards and multi-currency accounts together. A business operating only in India will get more from a domestic platform.

7. Tipalti

Tipalti automates accounts payable for mid-sized and large companies: supplier onboarding, tax form collection, invoice approvals, purchase order matching and global mass payments. It pays suppliers in 200+ countries using local rails.

Plans start at $99 a month, with higher plans from $249, plus pricing per invoice and payment.

Key features

• Supplier onboarding portal: suppliers enter their own bank and tax details, which removes a large share of manual set-up and reduces payment errors.
• Purchase order matching: two- and three-way matching checks each invoice against the order and goods received before it is approved.
• Tax compliance: tax forms are collected during onboarding and tax IDs can be validated across 62 countries.
• Mass payments in 200+ countries: pay hundreds of suppliers in one run using local rails where available.
• ERP integration: connects with NetSuite, QuickBooks, Sage Intacct and SAP, so payables stay in sync with your ledger.

Pros

• It removes most manual AP work for companies with large, global supplier bases.
• Strong controls on tax, approvals and supplier data reduce fraud and audit risk.

Cons

• Pricing beyond the base plans is quote-based, so the total cost is clear only after a sales conversation.
• It is a tool for the payer: an Indian supplier is paid through a client's Tipalti account rather than using it to collect.

Best for: Mid-sized and large finance teams paying many suppliers in many countries that want onboarding, approvals and tax checks automated.

Verdict: Tipalti is the most complete accounts payable automation in this list. For a small business with a handful of suppliers it is more than needed, and BILL or RazorpayX will cost less.

8. BILL

BILL automates payables and receivables for US small and mid-sized businesses. You upload bills, route them for approval and pay by ACH, virtual card, check or international wire, while your customers pay your invoices online.

Plans cost $49 (Essentials), $65 (Team) and $89 (Corporate) per user per month. ACH payments cost $0.59, mailed checks $1.99, virtual card payments are free and international USD wires cost $19.99.

Key features

• Bill capture and approvals: bills are read automatically and routed through multi-step approvals, so nothing is paid without the right sign-off.
• Receivables: send invoices and accept ACH or card payments from customers in the same tool.
• Several payment methods: pay suppliers by ACH, virtual card, mailed check or international wire, depending on what each supplier accepts.
• Two-way ledger sync: two-way sync with QuickBooks, Xero, NetSuite and Sage Intacct keeps payables and receivables reconciled.
• Credit lines: lines from $1,000 to $5 million, subject to approval, help manage cash flow around supplier payment dates.

Pros

• Per-transaction fees are published and low for ACH, so costs are easy to forecast.
• Deep integrations with the accounting software most US SMBs already use.
• Payables and receivables in one product.

Cons

• BILL serves US businesses, so it is not an option for an Indian-registered company.
• Per-user pricing adds up quickly for larger finance teams.

Best for: US small and mid-sized businesses automating payables and receivables with QuickBooks or Xero.

Verdict: BILL is one of the leading SMB tools for AP and AR in the US, with clear pricing. Indian businesses should look at RazorpayX or Zoho Books for the same job.

9. Zoho Books

Zoho Books is accounting software that handles the B2B paperwork Indian businesses need: GST invoices, e-invoicing through the Invoice Registration Portal, bills, vendor payments and payment reminders. Customers can pay invoices online, and payments are reconciled against your books.

Key features

• GST invoicing and e-invoicing: create GST-compliant invoices and generate e-invoices from the same screen, which keeps you within the 30-day reporting rule.
• Bills and vendor payments: record supplier bills, approve them and pay through connected banks.
• Payment links on invoices: customers can pay online, and the payment is matched to the invoice automatically.
• Bank feeds and reconciliation: bank transactions flow in and are matched, which cuts month-end work.

Pros

• A free plan for small businesses, with paid plans from ₹749 per organisation a month billed annually.
• Accounting, invoicing and payments in one product, so there is no separate sync to maintain.

Cons

• Payments depend on the banks and gateways you connect, and some bank integrations, such as ICICI, have been paused for new connections.
• At high payout volumes, a dedicated payouts platform is faster than paying bills one by one.

Best for: Indian small and mid-sized businesses that want GST invoicing, bills and reconciliation inside their accounting software.

Verdict: Zoho Books is the simplest way for a small Indian business to run B2B invoicing and reconciliation in one place. As vendor payments grow, add a payouts platform such as Cashfree or RazorpayX alongside it.

10. Cashfree

Cashfree Payouts lets Indian businesses send bulk payments to vendors, partners and customers by IMPS, NEFT, RTGS and UPI. Each bank account or UPI ID can be verified before you pay, manual review steps can be added before money leaves, and payout data syncs with Tally.

Key features

• Bulk payouts on all Indian rails: pay thousands of vendors or partners at once by IMPS, NEFT, RTGS or UPI.
• Account verification: bank accounts and UPI IDs are checked before payment, which reduces failed or misdirected transfers.
• Manual review steps: add a check before payouts leave, which suits finance teams that need control without a full AP system.
• Tally sync: payout data flows into Tally, so reconciliation does not depend on downloading bank statements.

Pros

• Built for high payout volumes, such as marketplaces paying sellers or lenders disbursing loans.
• Verification before each payment cuts the cost of payments sent to the wrong account.
• Per-payout pricing, without a large monthly plan.

Cons

• IMPS payouts are capped at ₹2 lakh each, so larger vendor payments need NEFT or RTGS.
• It is a payouts engine rather than an invoice or approval workflow, so pair it with accounting software for the full AP process.

Best for: Indian businesses paying many vendors, sellers or partners every day that want speed and verification on each payment.

Verdict: Cashfree Payouts is a reliable engine for high-volume vendor and partner payments in India. Combine it with Zoho Books or another accounting tool for invoices and approvals.

Five features separate b2b payment platforms from consumer payment apps: electronic invoicing, approval workflows, flexible payment terms, automated reconciliation and cross-border rails. Here is what each one does, why it matters and what to check.

Electronic invoicing

The platform creates, sends and tracks invoices, often linked to the buyer's purchase order, and lets the buyer pay from the invoice itself. That cuts the time between sending an invoice and getting paid, because there are no bank details to copy and no PDF to lose. In India, invoicing has a compliance side: GST e-invoicing is mandatory for businesses above ₹5 crore turnover, and from 1 April 2025 businesses at ₹10 crore and above must report each e-invoice to the Invoice Registration Portal within 30 days. Check that the platform generates GST-compliant invoices or connects to software that does, such as Zoho Books.

Approval workflows

Bills and payments pass through one or more approvers before money leaves, for example a manager for amounts up to ₹1 lakh and the finance head above that. This is the main control against duplicate payments, invoice fraud and payments to the wrong vendor. Look for rules by amount, department or vendor, a record of who approved what, and maker-checker at minimum; RazorpayX, BILL and Tipalti all build approvals into the payment flow.

Flexible payment terms

B2B buyers rarely pay at the moment of purchase. Platforms support net-30 or net-60 due dates with reminders, and some add B2B buy now, pay later, where a financing partner pays the seller upfront and collects from the buyer later. The seller gets cash on time and the buyer keeps working capital. Stripe supports payment terms on invoices, BILL offers credit lines, and in India TReDS lets MSMEs sell approved invoices to financiers.

Automated reconciliation

Every payment is matched to its invoice and posted to your ledger automatically, instead of someone matching bank statement lines by hand at month end. This is where most finance teams save the most time. Check which accounting or ERP system the platform syncs with: Tally and Zoho Books for most Indian SMBs, QuickBooks and Xero for many global SMBs, and NetSuite or SAP for larger companies.

Cross-border rails

For suppliers or customers abroad, the platform pays and collects over SWIFT, SEPA, ACH and local rails in each country. Local rails are usually cheaper and faster than a SWIFT wire, which can lose $15 to $25 or more in fees along the way. Compare the FX margin as well as the transfer fee: Airwallex charges 0.5% above interbank on major currencies, while some receiving platforms convert at the mid-market rate.

A B2B payment follows the invoice through six steps, and a B2B payments platform automates most of them. That is why these platforms focus on workflow as much as on moving money.

• Order: the buyer raises a purchase order with the items, price and payment terms; procurement tools or the AP platform record it so the invoice can be matched later.
• Invoice: the seller issues a GST invoice with the amount, tax and due date, such as net-30, and sends it with a payment link or bank details.
• Approval: the buyer's finance team matches the invoice to the order and goods received, then routes it to the right approver; this is where duplicate or inflated invoices are caught.
• Payment: on the due date the buyer pays by NEFT, RTGS, ACH, SWIFT, virtual card or cheque, deducting TDS where required, often in a batch with other bills.
• Settlement: funds reach the seller's account, within hours on NEFT or RTGS in India, or one to several days for international transfers.
• Reconciliation: both sides match the payment to the invoice and post it to their books, automatically if the platform syncs with Tally, Zoho Books or an ERP.

Global platforms rarely cover the Indian rules that shape how B2B payments are made here. Whether you pay suppliers, collect from customers or export, check that your platform handles these.

• GST e-invoicing: mandatory for businesses above ₹5 crore turnover; from 1 April 2025, businesses at ₹10 crore and above cannot report an e-invoice more than 30 days after its date. Your invoicing tool should generate the IRN and QR code, or connect to software that does.
• TDS on vendor payments: many contractor and professional payments need TDS deducted before you pay. A vendor payment tool that calculates TDS at the point of payment, as RazorpayX does, saves a monthly reconciliation job.
• MSME 45-day rule: pay micro and small suppliers within the agreed term, at most 45 days, or the expense can be deducted only in the year you actually pay. Platforms with due-date tracking and scheduled payments help you stay inside the limit.
• TReDS: RBI-regulated exchanges (RXIL, M1xchange, Invoicemart) let MSMEs sell approved invoices to banks and financiers for early payment; companies above ₹250 crore turnover were required to register as buyers.
• Bharat Connect for Business: NPCI Bharat BillPay's B2B service for paying and financing invoices through participating banks, live with Axis Bank since April 2025.
• Rails: NEFT and RTGS run 24x7, so B2B transfers settle on weekends and holidays, and IMPS suits smaller urgent payouts.
• Payments from clients abroad: if you export services or goods, each foreign payment needs proof of inward remittance (a FIRA or FIRC) for GST zero-rating, and the provider should hold RBI cross-border payment aggregator authorisation. Domestic AP tools do not handle this, which is why exporters add a cross-border platform such as Xflow.

B2B payment solutions differ most by the job they do, so start there, then narrow by where you operate and how you account.

Then confirm three things: the platform is available to your business in your country, it integrates with your accounting system, and its total cost (plan fee plus per-transaction fees plus any FX margin) fits your monthly volume.

A typical Indian SMB that sells to other businesses at home and exports some services might use three tools together: Zoho Books for GST invoicing and reconciliation, RazorpayX or Cashfree for vendor payouts, and Xflow for invoices paid by clients abroad. A US SaaS company might pair Stripe for collections with BILL for payables.