โ† Back to platform
Payments & collections

B2B payments & collections:
collect better, reconcile effortlessly.

Smart collection with adaptive strategy. Automatic reconciliation in real time. Checkout with all methods. Subscriptions. Payment links. In-store card terminal. All connected to your B2B credit platform.

Request demo โ†’
Mร‰TODO DE PAGO
Pay in 60 days BNPL
FutureBNPL ยท The seller collects today
๐Ÿฆ SEPA direct debit
โšก Instant transfer
๐Ÿ’ณ Credit card
๐ŸŽ Apple Pay / Google Pay
+ PayPal ยท Sofort ยท iDEAL ยท Klarna ยท Bancontact ยท more
Todos
The methods you expect
Auto
Collection retries
0
Manual reconciliation
24h
BNPL collection
Payments & collections

Every way to collect,
covered & automated

Smart collection with adaptive strategy, automatic reconciliation, checkout with all methods, subscriptions, payment links and in-store payments. All connected on one platform.

๐Ÿง 

Smart collection

Automatic collection on the agreed date. If it fails, the platform adapts the strategy to the client profile: retries via the right method, personalised communication by sector and country, and progressive escalation until resolution.

A collection engine that learns from each client's behaviour and improves with each cycle.

View module โ†’
๐Ÿ“Š

Automatic reconciliation

Every collection is automatically matched to its invoice in real time. Intelligent matching by amount, reference and client. Instant discrepancy alerts. Accounting export ready for your ERP.

No more end-of-month manual cross-checking. Your accounts receivable always up to date.

View module โ†’
๐Ÿ’ณ

Checkout payments

All modern payment methods in your checkout: card, PayPal, SEPA, Sofort, iDEAL, Apple Pay, Google Pay โ€” plus FutureBNPL 30-60-90 day deferred payment as an option.

Your client chooses how to pay. You always collect. Without integrating each gateway separately.

View module โ†’
๐Ÿ”„

Subscriptions

Periodic collection of monthly, quarterly or annual instalments. Saved payment methods for frictionless charging. If a collection fails, the smart collection engine acts automatically.

Ideal for B2B SaaS, recurring services, BNPL split payments and instalment financing.

View module โ†’
๐Ÿ”—

Payment links

Send a link via email, WhatsApp or SMS. Your client pays from any device with their preferred method. Ideal for one-off collections, invoices or phone orders.

No checkout needed, no technical integration. Generate a link, send it and collect.

๐Ÿช

In-store / card terminal

Collect in person with a card terminal integrated into FutureBNPL. Card, contactless, mobile โ€” every in-person collection is reconciled just like digital ones. Same dashboard, same traceability.

For businesses with physical points of sale, showrooms, warehouses or trade fairs. No separate gateway.

The differentiator

The entire B2B collection cycle on one platform:
from checkout to recovery

Most companies use one gateway to collect, another tool to chase defaults, another for subscriptions and another for credit. We've built it all together, and that changes the rules.

โœ“
Checkout + smart collection
A failed collection isn't a problem: the engine has alternatives and knows when and how to use them
โœ“
Collection + credit connected
If the client buys on credit, the platform already has their payment profile and alternative methods ready
โœ“
Unified client history
Every payment, retry, communication and status in one place. Without jumping between platforms
โœ“
Collection + defaults + disputes
If a collection escalates, default and dispute management has full traceability from day one
โœ“
Subscriptions + automatic escalation
A recurring collection that fails enters the smart collection flow directly. No setup needed
โœ“
Automatic reconciliation
Every collection syncs with your ERP. No more manual end-of-month reconciliation

This is only possible when checkout, smart collection, reconciliation, subscriptions, credit and defaults share the same platform. That's why we built it this way.

Payment methods

All the methods your clients
expect to find

โšก FutureBNPL 30-60-90 ๐Ÿฆ SEPA direct debit โšก Instant transfer ๐Ÿ’ณ Visa / Mastercard ๐Ÿ…ฟ๏ธ PayPal ๐ŸŽ Apple Pay ๐Ÿ“ฑ Google Pay ๐Ÿ”ต Wero ๐ŸŸ  Sofort ๐ŸŸฃ iDEAL ๐Ÿ”ต Bancontact ๐ŸŸข Payconiq ๐Ÿ”ต Tikkie ๐Ÿง Bank transfer ๐Ÿ”— Link de pago ๐Ÿ“ฒ QR de pago ๐Ÿ’ฌ SMS / WhatsApp ๐Ÿ‡ฌ๐Ÿ‡ง BACS (UK)

International coverage. New methods added without development on your part.

What changes

What you eliminate with automated B2B payments & collections

You eliminate
ร— Integrating each gateway separately
ร— Manually chasing failed collections
ร— Managing subscriptions and instalments manually
ร— Defaults due to method failure without alternative
ร— Offering only bank transfer or direct debit
You get
โœ“ A single checkout with all methods
โœ“ Automatic retries with alternative method
โœ“ Periodic collection without intervention
โœ“ Always an alternative collection method ready
โœ“ FutureBNPL B2B as a payment method
FAQ

FAQ sobre B2B payments & collections

What does FutureBNPL's payments and collections cycle cover?
Four modules: Smart collection (adaptive strategy per client with automatic retries), Checkout payments (all B2B methods in one integration), Automatic reconciliation (real-time invoice-payment matching) and Subscriptions (automated recurring billing).
Can I use payments without activating BNPL or credit?
Yes. Payment and collection modules are independent from the credit cycle. Subscribe to smart collection, reconciliation or checkout payments alone, without activating scoring, insurance or financing.
What B2B payment methods are available?
Three categories: FutureBNPL BNPL (deferred payment), fixed-cost direct methods (SEPA direct debit, instant transfer, iDEAL, Bancontact, Wero) and universal gateway with variable commission (Visa, Mastercard, PayPal, Apple Pay, Google Pay, Klarna).
Does reconciliation work with payments from outside the platform?
Yes. Reconciles payments from any source: banks, gateways, manual transfers. Everything unified in a single dashboard with automatic matching to the cent.
How many hours per week does automating collections and reconciliation save?
According to the EU Payment Observatory (2025), European companies spend an average of 10 hours per week just chasing payments. Add manual reconciliation and the operational cost multiplies. Automating both processes completely frees that time.

Want to see payments & collections
in action?

Free demo, no commitment. We'll show you how it works with your real data.