Balance

📦 What’s new in B2B? Here’s what the Balance team finds interesting this week in payments, credit, commerce, and trade. 🌍 Cross-border B2B payments are projected to hit 18.3 billion transactions by 2030, according to Juniper Research. Despite rising tariffs, globalization and emerging payment tech, like stablecoins, are driving growth. Stablecoins promise faster, more transparent payments, but real adoption will require better infrastructure and stronger industry partnerships. 📊 New Dun & Bradstreet data shows AR stress across key sectors. According to the Q1 2025 U.S. Accounts Receivable Industry Report, 17 industries, including manufacturing, retail, food, and transportation, report that over 10% of AR dollars are 91+ days overdue. That’s up from 16 industries in Q4. 🛠️ Outdated ecommerce systems are holding B2B sellers back, according to a new report by commercetools. Over half still rely on manual processes, and many are using tech set to expire within two years. As pressure to modernize builds, sellers are focusing on productivity, buyer experience, and real-time insights. 🛒 Shopify’s merchant base continues to grow as demand stays strong despite tariff concerns. In Q2, sellers drove GMV up 31% year over year to $87.8B, with revenue hitting $2.68B. Shopify says merchants are sticking with the platform, supported by AI tools that streamline storefronts, content, and sales. Growth spanned North America, Europe, and APAC, with Q3 expected to accelerate. We’re curating finance industry highlights every week. Follow 👉 Balance so you won’t miss an update. Links to the articles in the comments.

Offering net terms online? ⚠️ Low approval rates and slow manual processes are limiting growth for you and your business buyers. Discover how to improve your credit underwriting and application flow, and deliver a seamless experience from onboarding to payment 👉 https://xmrrwallet.com/cmx.plnkd.in/gtAeKpXR #b2bcommerce #b2bpayments #b2becommerce #tradecredit

🔑 To stand out, a B2B marketplace needs to offer real value to both buyers and vendors. One key to this is effective multi-vendor management. That means offering buyers customized payment terms per vendor and consolidating multiple transactions into one seamless experience. A frictionless checkout both unifies transactions across vendors and manages payments individually, ensuring an organized and efficient flow of funds. 💼✅ Learn more tips > https://xmrrwallet.com/cmx.plnkd.in/gM9brE5j #b2bpayments #b2bcommerce #b2becommerce #b2bmarketplace

📊 $16T is the projected value of embedded B2B payments by 2030. That growth is being driven by rising expectations. Today, businesses want the same effortless payment experiences they enjoy as consumers. Embedded payments meet that need by letting companies pay suppliers, manage payroll, or offer credit, among others, all directly within their own platforms. This leads to improved efficiency, lower costs, and enhanced growth. Discover how Balance powers embedded payments for B2B commerce > https://xmrrwallet.com/cmx.plnkd.in/dNu4uw9 #b2bcommerce #b2bpayments #b2becommerce #embeddedpayments

Offering B2B BNPL can be a powerful way to grow sales, but it also comes with challenges like credit risk and operational complexity. We’re curious: What’s the biggest concern holding you back from offering Buy Now, Pay Later to your business customers? Vote below ⬇️ Discover how modern B2B BNPL solutions are addressing these challenges > https://xmrrwallet.com/cmx.plnkd.in/gjGxue6Q #b2bcommerce #b2bbnpl #b2bpayments

📰 What’s the latest in B2B? From AI and payments and trade, here’s what caught the Balance team’s attention this week: 📡 Amazon Web Services (AWS) says the future of payments is already here. PYMNTS shares that cloud-native infrastructure and generative AI are enabling financial institutions to build and scale payment solutions faster while delivering personalized services and new business models. With innovations around real-time payments, ISO 20022 and user experiences, AWS notes that financial institutions are now using AI to boost efficiency, cut costs, and open new revenue streams. 🌏 Alibaba Group’s international ecommerce sales grew 25% year over year to $18.4B, driven by strong performance from AliExpress and Lazada. Digital Commerce 360 reports that while Alibaba.com’s B2B revenue dipped 7%, executives said the focus is on long-term value with better tools for merchants and smarter AI-powered services. Losses in the international division narrowed, signaling progress as the company continues to invest in logistics and AI to strengthen cross-border trade for SMEs. 💸 Corporate AI investments are climbing, with 21% of companies now spending over $10M on AI, up from 16% last year, according to EY. A third of leaders expect to hit that level next year as agentic AI becomes a bigger focus for process automation, IT efficiency and customer support.  Nearly three-quarters of executives believe entire business units could eventually be run by AI. Even though adoption is still slowed by concerns around privacy and regulation, many see this as a path to major gains in innovation and growth. 📉 The U.S. economy is showing signs of stalling as tariff uncertainty impacts manufacturing output, hiring and inventory levels, according to the National Association of Manufacturers - NAM. Production remains weak outside aerospace, and the sector lost 15,000 jobs in May and June. Job openings also fell 28% year over year. Panelists at a recent Supply Chain Industry Dive event said many manufacturers are taking a wait-and-see approach as new tariffs loom, adding costs and slowing investment. Those building contingency plans and adapting early may be best positioned to weather the uncertainty. We’re curating finance industry highlights every week. Follow 👉 Balance so you won’t miss an update. Links to the articles in the comments.

So you've approved your B2B customers for credit, and now they’re ready to complete the purchase at checkout… 🛒 How do you make sure they don’t abandon their carts? 🎧 Hear from Kurt Barnes on why the success of a Pay by Invoice program at this stage of the buying journey comes down to execution. ⚙️ If the experience doesn’t align with how business buyers actually purchase, they won’t complete the transaction and the program won’t scale. 📉 🔗 Listen in and explore more Pay by Invoice best practices here > https://xmrrwallet.com/cmx.plnkd.in/g5aT_xrf #b2bcommerce #b2becommerce #b2bpayments

➡️ From instant bank connection via RTP to self-serve credit limit increase requests, the Balance team launched powerful new features in the first half of this year. Check out the highlights ⬇️ Explore all product updates > https://xmrrwallet.com/cmx.plnkd.in/giFQdFTq #b2bpayments #b2becommerce #b2bcommerce

📊 61% of B2B companies say operational efficiency is their top digital commerce priority, according to a new Adobe report. In payments, the challenge is eliminating manual workflows, overcoming fragmented systems, and managing complexity. 🔁 From automating net terms and credit decisions to streamlining invoicing and reconciliation, a modern B2B payment infrastructure plays a critical role in reducing friction, removing complexity, and freeing internal teams to focus on growth. Learn more > https://xmrrwallet.com/cmx.plnkd.in/dNu4uw9 #b2bpayments #b2becommerce #b2bcommerce

➡️ As more B2C companies expand into B2B, a key question comes up: how do you offer net terms and manage credit risk at scale? Should you build an in-house AR team 🏗️ or partner with a provider 🤝? We break down the tradeoffs and what to consider before you decide. 👇 https://xmrrwallet.com/cmx.plnkd.in/gjmMPhfQ #b2bpayments #b2becommerce #b2bcommerce #accountsreceivable #tradecredit