Streamline B2B Payments with Balance’s RTP-Powered Instant Bank Connection for Faster Cash Flow and Lower Costs
In the world of B2B commerce, payment efficiency is critical to maintaining healthy cash flow and fostering strong customer relationships. However, outdated processes have long plagued ACH payments—the most cost-effective payment method available—limiting their adoption due to cumbersome onboarding flows and multi-day verification delays. Balance, a leading financial infrastructure platform for B2B commerce, is transforming this landscape with the launch of Instant Bank Connection, a groundbreaking capability powered by Real-Time Payment (RTP) rails. This innovation simplifies ACH setup for buyers, accelerates payments to merchants, and reduces transaction costs—all while enhancing the overall payment experience.
Eliminating Friction in ACH Onboarding
One of the biggest hurdles to widespread ACH adoption has been the friction caused by traditional onboarding methods. Credential-heavy logins and microdeposit verifications, which can take three to five days to complete, create unnecessary delays and complications. In B2B settings, these challenges are compounded because buyers often lack access to their company’s banking credentials, making login-based methods impractical. As a result, merchants frequently delay order fulfillment until payments are confirmed, slowing down the entire order-to-cash cycle and negatively impacting customer satisfaction.
Balance’s Instant Bank Connection eliminates these barriers by enabling buyers to link their bank accounts using only their routing and account numbers. This credential-free, real-time verification process streamlines the buyer experience, removing the need for lengthy microdeposits or complicated logins. For merchants, this means immediate payment confirmation, faster access to funds, and the ability to release goods sooner with confidence. By accelerating fulfillment, Balance empowers businesses to strengthen customer relationships and improve operational efficiency.
Accelerating Cash Flow and Reducing Costs
For B2B merchants, cash flow is the lifeblood of their operations. Delayed payments can disrupt workflows, strain resources, and hinder growth. Balance’s RTP-powered solution addresses these pain points by providing merchants with faster payouts and improved cash flow. Instead of waiting days for payment confirmation, merchants can now receive funds in real time, allowing them to reinvest in their business, meet supplier obligations, and scale more effectively.
Additionally, Balance’s Instant Bank Connection significantly lowers processing costs compared to traditional card payments. By making ACH payments as seamless as credit cards, Balance enables merchants to enjoy the affordability of ACH without sacrificing speed or convenience. This dual benefit of reduced costs and accelerated payments positions Balance as a strategic partner for businesses looking to optimize their financial operations.
“Merchants shouldn’t have to choose between affordability and speed when it comes to getting paid,” said Bar Geron, CEO and Co-founder of Balance. “With RTP-enabled ACH payments, they can reduce costs and accelerate access to funds—all while giving buyers a smooth, frictionless payment experience.”
A Strategic Solution for Scaling B2B Commerce
Balance’s RTP-powered bank connection is more than just a faster onboarding method—it’s a transformative tool for B2B merchants seeking to scale with efficiency. By combining real-time verification with advanced AI-powered features like credit management, billing, collections, and cash application, Balance provides a comprehensive solution that addresses the full spectrum of B2B payment workflows. This integrated approach helps merchants reduce overhead, improve cash flow, and gain the confidence needed to grow their businesses.
The launch of Instant Bank Connection underscores Balance’s mission to modernize B2B commerce by bringing consumer-grade simplicity to complex payment processes. In an era where speed, transparency, and efficiency are paramount, Balance’s innovative solution bridges the gap between traditional B2B practices and the demands of today’s fast-paced digital economy.
Why RTP-Powered ACH is the Future of B2B Payments
Real-Time Payment (RTP) rails represent the next evolution in payment technology, offering instant transaction processing and settlement. By leveraging RTP, Balance ensures that both buyers and merchants benefit from a seamless, secure, and efficient payment experience. Buyers enjoy a hassle-free onboarding process, while merchants gain immediate access to funds, enabling them to fulfill orders faster and focus on delivering exceptional service.
This shift toward RTP-powered ACH payments also aligns with broader industry trends toward digitization and automation. As businesses increasingly adopt digital tools to streamline operations, solutions like Balance’s Instant Bank Connection are poised to become essential components of the modern B2B payment ecosystem.
Empowering Merchants to Thrive in a Competitive Market
In today’s competitive B2B landscape, merchants must prioritize efficiency, cost savings, and customer satisfaction to stay ahead. Balance’s Instant Bank Connection delivers on all fronts by:
- Enhancing Buyer Experience: Simplifying ACH setup with real-time verification and eliminating credential-heavy processes.
- Improving Merchant Cash Flow: Providing faster access to funds and enabling quicker order fulfillment.
- Reducing Transaction Costs: Offering a cost-effective alternative to traditional card payments without compromising speed or reliability.
- Strengthening Customer Relationships: Accelerating fulfillment and fostering trust through transparent, efficient transactions.
By addressing the key pain points of B2B payments, Balance is empowering merchants to thrive in an increasingly dynamic market. Whether managing small-scale operations or scaling globally, businesses can leverage Balance’s innovative platform to unlock new levels of efficiency and growth.
