B2B payment methods
Accept ACH, credit cards, and wire transfers, with optional net terms and embedded financing. The platform supports same-day ACH rails, global card acceptance, and credential-free ACH verification.
Balance
Freemium
Financial infrastructure for B2B commerce, payments, financing, and accounts receivable.
What is Balance?
Balance is a financial infrastructure platform for physical B2B commerce. It combines business onboarding and risk assessment with payment processing, financing, payment operations, and accounts receivable workflows. Businesses can use Balance to offer payment methods such as ACH, cards, wire transfers, net terms, and embedded financing across online, offline, and in-person channels. The platform also supports payment portals, payment links, terminals, reconciliation, dispute management, and AI-powered cash application. Its integrations and APIs are designed to connect these workflows with B2B commerce platforms, ERP systems, and accounting software.
What can Balance do?
Embedded financing and net terms
Offer eligible business buyers financing at checkout, including payment terms of up to 90 days, dynamic credit limits, and a buyer portal for tracking payments and transaction history.
Omnichannel payment tools
Support online, offline, and in-person transactions through embedded checkout, payment links, and terminals. Features include partial payments, installments, payment links generated through an API, and offline terminal mode.
Payment cost optimization
Balance provides built-in surcharging, L2/L3 data support, and personalized ACH incentives to help businesses manage card and payment processing costs.
Accounts receivable operations
The payment portal supports invoice and document access, autopay, batch payments, and multiple payment methods. AI-powered cash application matches payments to invoices, while dispute management and invoice adjustments support downstream operations.
Integrations and APIs
Connect Balance with platforms including Salesforce Commerce, Adobe Commerce, BigCommerce, Shopify, Mirakl, LogicBroker, Nautical Commerce, and Virto Commerce. Open APIs, real-time data synchronization, and configurable workflows support custom integrations.
Use Cases
“Selling to business buyers online”
Add B2B checkout, multiple payment methods, net terms, or financing to an ecommerce store or marketplace while keeping the payment experience within the existing sales channel.
“Offering financing without building an internal credit operation”
Give eligible buyers instant financing at checkout or in-store, with automated applications, real-time decisions, adaptive credit limits, and Balance assuming the credit risk for eligible transactions.
“Accepting payments across channels”
Use payment links for email or other channels, terminals for in-person sales, and embedded checkout for online orders so transactions can follow a consistent payment flow.
“Scaling finance and AR workflows”
Use the payment portal, automated payment-to-invoice matching, dispute workflows, invoice adjustments, and ERP or accounting integrations to reduce manual payment administration as transaction volume grows.
Frequently Asked Questions
What types of businesses is Balance designed for?
Balance is designed for companies involved in physical B2B commerce, including businesses selling through ecommerce stores, marketplaces, offline channels, and in-person transactions.
Which payment methods does Balance support?
The platform supports ACH, credit cards, and wire transfers, with optional net terms and embedded financing. Buyers can also use credit card, wire transfer, or ACH to repay financed orders.
How does B2B financing work through Balance?
Eligible business buyers can apply through an embedded flow at checkout, in store, or through email. Balance provides real-time decisions, may adjust credit limits using purchasing and repayment data, and can allow payment up to 90 days later.
Can Balance connect to existing commerce and finance systems?
Yes. Balance provides integrations for several B2B commerce platforms, open APIs for custom integrations, real-time data synchronization, and connections for ERP and accounting systems.
What does the buyer payment portal provide?
Buyers can view invoices, statements, receipts, and accounts payable documents; manage payment methods and autopay; and make partial, installment, or batch payments. Approved terms buyers can also use it as a credit management hub.
Quick Facts
- Category
- B2B financial infrastructure
- Primary users
- B2B commerce, payments, finance, and accounts receivable teams
- Payment channels
- Online, offline, in person, and payment links
- Payment methods
- ACH, credit card, wire transfer, net terms, and embedded financing
- Integration model
- Commerce platform integrations, ERP and accounting connections, and open APIs
- Source domain
- getbalance.com
Balance Traffic Analysis
Traffic data is for reference only.
- Domain Rating
- 54
Balance Alternatives
Shopify
shopify.com
Shopify is a commerce platform for creating online stores, selling in person and across digital channels, and managing products, orders, payments, inventory, and customers from one administration system. It serves solo entrepreneurs, small teams, retailers, global merchants, and larger businesses.