Payments for B2B marketplaces and platforms
You collect from buyers and pay out to sellers, which makes you a payments company whether you wanted to be one or not. The hard part is that both sides have to reconcile.
The problem
How payments actually hurt in b2b marketplaces
Generic payment advice misses what's specific to your category. These are the failure modes we see most often here.
You're running two payment systems
Collection from buyers and disbursement to sellers usually live on different providers, which means reconciling two ledgers that were never designed to agree.
Large tickets, thin platform take rate
When your take rate is 2–4% and MDR is 2%, payment cost is a huge share of platform revenue. A quarter point matters enormously.
Seller payouts are your reputation
Sellers judge the platform on payout reliability and speed. A failed or delayed payout is a churn event for supply, which is harder to replace than demand.
Net banking and RTGS dominate
B2B ticket sizes push past UPI limits into net banking and RTGS, where success rates and processing windows behave differently.
What we do about it
How PayVizio is set up for b2b marketplaces
Both sides, one ledger
Buyer collections and seller payouts on the same platform and the same double-entry ledger — one reconciliation for the whole flow.
Bulk seller payouts
Batch payouts over IMPS, NEFT, RTGS, and UPI with per-record status, idempotent processing, and clear failure reasons.
Large-ticket routing
Amount-band rules keep high-value B2B transactions on the acquirers that handle them best.
Maker-checker on disbursement
Approval thresholds and a full audit trail before large payouts leave the platform.
Beneficiary validation
Verify seller accounts before the first payout rather than discovering a bad account after a failed transfer.
Lower MDR protects take rate
Rate shopping across acquirers directly widens the margin between what you charge and what payments cost you.
Run the numbers
What is this costing you today?
Three inputs, no form. If the number is uncomfortable, the written audit shows you exactly where it's going.
Your numbers
What that is costing you
Avoidable payment cost, per year
₹6.00 L
₹50K a month — modelled at an effective 1.70% versus your 1.95%.
₹6.67 L
Working capital unlocked by moving 1 day earlier
₹36.00 L
Annual GMV recovered at a 1.5% authorisation uplift
Indicative model, not a quote. It assumes a 0.25% improvement on your effective MDR, T+1 settlement, and a 1.5% authorisation uplift from failover and retries. Your actual numbers depend on business category, payment mix, and volume — the audit works them out from your real statements.
Find out what payments cost your b2b marketplaces business
A free, written payment cost audit against your real numbers. No integration, no obligation.