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The Benefits of Electronic Payments for B2B Transactions

In the digital age, businesses are increasingly moving away from traditional payment methods such as checks and cash, and adopting electronic payment methods for B2B transactions. Electronic payments offer numerous advantages over traditional payment methods, making them an ideal choice for businesses looking to streamline their payment processes and improve cash flow. What are the benefits of electronic payments for B2B transactions? Faster payment processing Electronic payments are processed much faster than traditional payment methods. With electronic payments, the payment is transferred directly from the payer's bank account to the payee's account, eliminating the need for physical checks or cash. This significantly reduces payment processing time, allowing businesses to receive payments faster and improve cash flow. Increased convenience Electronic payments offer increased convenience for both the payer and the payee. With electronic payments, businesses can make and recei

Tokenized Payments. Storing Your Customer Data in the Cloud

Tokenized payments are all the rage so what are they all about?


What is cloud computing?
Cloud computing is a style of computing in which virtualized resources are provided as a service over the Internet. For our purposes, tokenized payments is a place to store your sensitive customer data like credit card numbers.

How do token payments work?
Simply put, the customer information name, credit card number and other information are sent to the provider or the gateway. The gateway returns a token. The next time you want to perform a transaction that token is used instead of passing the credit card number.

What are the advantages of token payments?
There are several advantages to offloading sensitive customer data.

  • Data is stored safely and securely
  • No storage of credit card numbers reduces the Payment Card Industries rules and regulations on your company. Expensive audits are reduced to a self assessment questionnaire in most cases.
  • Reduced programming costs
  • Some gateways offer eChecks and credit card data storage.
  • Rebilling is made easy since you have the payment information
Providers that offer tokenized payments.Token payments are relatively new, but the list is growing.

  • Braintree
  • Cybersource
  • USEPay
  • Stripe


  • Comments

    Admin said…
    You should add that Commerce Lab from IP Commerce also offers tokenization of payment account data for software companies and service providers.
    Anonymous said…
    Three years old but still very useful information. Very much appreciated for anyone crossing over this article there are companies out there now that are experts in PCI Tokenization
    and offer free test accounts.

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