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Payment Routing: How it Works Payments are an integral part of modern online business. Customers can use them to pay for services and goods or top up their balance in games, casinos, marketplaces and much more. One of the key elements that enable such a wide variety of services is payment routing. In this article, we’ll look at what it is, how the service works, the benefits it brings and how it solves business problems. What is payment routing and cascading? In routing payments , there are two main services that complement each other by providing businesses with the most convenient ways to make transactions. These are payment routing itself and payment cascading. Why companies need cross-border payment gateways Transaction routing is the process of channelling a payment from a customer’s bank account or credit card through various intermediary links until it reaches the merchant’s account. This process involves selecting the most cost-effective, safe and secure route for each transaction based on pre-defined rules. Definition of cascading payments Cascading payments are an advanced form of payment routing where transactions are automatically routed through multiple payment gateways or providers in sequence. If one gateway fails or rejects a transaction, the system tries another option, ensuring high success rates and reducing failed transactions. Benefits of payment routing and cascading The use of modern technology improves business efficiency. By using BillBlend’s routing, transaction failure rates are reduced and transactions are completed faster, positively impacting the user experience. The main benefits of using this service are: Cost optimisation. Automatically selecting the cheapest payment provider for each transaction allows businesses to save significantly on fees. Increased transaction success rates. With payment cascading, even if one payment method fails, the transaction is redirected to the next, increasing the chances of successful completion. Transaction security. Advanced routing algorithms ensure compliance with security standards such as PCI-DSS while reducing fraud risks. In addition, businesses can set up to accept transfers from different categories of customers – new customers and those who have previously used. This allows for additional verification for newcomers that regular customers don’t need. Scalability. As your business grows, payment routing allows you to process an increased volume of transactions without losing speed or reliability. This has a positive impact on the overall turnover of financial transactions. How payment routing works A universal algorithm describing the sequence of router actions: Transaction initiation. The customer initiates a payment using the preferred method (credit/debit card, e-wallet, etc.). Routing decision. Based on specified rules (cost, availability, location, etc.), the payment processor selects the optimal path for the transaction. For example, by geo-customer or selected currency. Processing. The selected payment gateway processes the transaction and passes it to the acquiring bank. Closing the transaction. Once approved, funds are credited to the merchant’s account via the selected route. Cascade payments are activated only if the transaction is rejected at any of the stages. There are several principles of cascading payments: Sequential. This is the simplest method. If the selected route resulted in a transaction rejection, the buyer’s data is sent to the second one and so on until all routes are completed or the transaction is approved. Reservation. The sequence of actions is already defined in the system, and it can be different from the one defined in the first option. Dynamic. This is the most advanced technology, in which cascading payments evaluate the load on each gateway and assess the probability of failure, which allows you to choose the most successful sequence of actions. Regardless of the operating principle chosen, the very essence of the solution does not change. Cascading allows you to resend customer data if the first gateway fails. BillBlend solution: Optimising payments with routing and cascading At BillBlend, we’ve taken payment routing to the next level. Our artificial intelligence-based algorithms analyse past data, current market conditions and user behaviour to determine the best route for each transaction. Additionally, our proprietary cascading technology minimises the number of unsuccessful transactions, increasing revenue for merchants. Learn more on our Telegram at https://t.me/BillBlendBot. By leveraging advanced technologies like payment routing and cascading, companies can achieve new levels of operational efficiency, security, and profitability. Answers to common questions What is the difference between payment routing and cascading: Payment routing directs transactions to a single gateway, whereas cascading payments attempt to use multiple gateways sequentially if the first attempt is unsuccessful. How does routing increase the success rate of transactions? By selecting the most appropriate payment method or gateway based on factors such as availability, fees, and reliability. Can BillBlend’s routing be used for international transactions? Yes, we support multi-currency transactions and offer optimised routing for international use. Is payment routing secure? Routing uses encryption, tokenisation and strictly adheres to security protocols such as PCI-DSS. Does BillBlend support cascading payments? Yes, BillBlend offers dynamic cascading functionality to increase transaction success rates while reducing costs. How can I integrate the services into my business? BillBlend, offers readily available APIs and plugins that are compatible with popular e-commerce platforms. Payment routing directs transactions to a single gateway, whereas cascading payments attempt to use multiple gateways sequentially if the first attempt is unsuccessful. By selecting the most appropriate payment method or gateway based on factors such as availability, fees, and reliability. Yes, we support multi-currency transactions and offer optimised routing for international use. Routing uses encryption, tokenisation and strictly adheres to security protocols such as PCI-DSS. Yes, BillBlend offers dynamic cascading functionality to increase transaction success rates while reducing costs. BillBlend, offers readily available APIs and plugins that are compatible with popular e-commerce platforms. 4

Cross Border Payment Gateway The world is becoming increasingly interconnected, and borders are no longer a barrier to business. Companies seeking to open new markets and expand their trade turnover face the need for fast and secure payment processing in different countries. This is where cross border payment services come in – powerful tools that overcome currency and legal barriers, making international sales easy and affordable. In this article, we will look at how cross border payment platforms work, what benefits they bring and why BillBlend will be your reliable partner on the way to success in the global economy. What is a cross border payment platform Across border payment solution is a specialised service designed to process payments between different countries. It enables the transfer of financial data between banks and payment systems, simplifying international transfers and reducing delays and additional fees. Such platforms are often used by companies operating in the global market, as well as individuals who need to send money abroad. The main features of cross border payment platforms: Process automation. Platforms automatically process international payments, eliminating the need to manually enter data and track the status of transactions. Multi-currency support. Multi-currency support allows businesses to easily make payments in different countries, avoiding the hassle of exchanging currencies. Minimal fees. Many platforms offer competitive rates for international transfers, reducing the overall cost of doing business internationally. High level of security. Using the latest encryption technologies and security protocols protects personal data and financial transactions from unauthorised access. Integration with accounting systems. Most platforms can be easily integrated with popular accounting and CRM systems, simplifying accounting and reporting. Why companies need cross-border payment gateways Let’s tell you what gives companies the opportunity to use cross-border payment gateways. Market expansion With cross-border payment gateways, companies have the opportunity to enter the global market, overcoming the limitations associated with currency and traditional payment methods. This opens up access to new audiences and regions, increasing business growth potential. Improved customer experience Allowing customers to choose their preferred currencies and payment methods creates a better shopping experience. This improves conversion rates and customer satisfaction, forming long-term relationships. Increased revenue Access to a wide international audience and a simplified shopping experience can significantly increase revenue. Cross-border payment solutions help reach a diverse group of customers around the world. Save on currency conversions Many cross-border payment platforms offer favourable exchange rates and low fees, reducing the burden on your company’s budget and increasing your net profit. Regulatory compliance Navigating the various tax and legal regulations can be challenging. Cross-border payment gateways are often equipped with regulatory compliance tools, allowing companies to operate internationally with confidence. How to set up cross border payments To take advantage of cross border payment services, there are several aspects to consider: Customer location. Determine where your customers are located to ensure the right languages and tax compliance. Payment methods. Offer payment options that are convenient for your customers based on their location and preferences. Integration with local laws. Use legal entities and partner with local financial institutions to simplify procedures. The answers to these three questions are enough to choose the best partner. International payment gateways from BillBlend BillBlend offers efficient and reliable cross-border payment solutions that are suitable for e-commerce companies. Here are just some of the benefits we provide: Full service. Directly accept payments in cryptocurrencies, electronic payment systems, MOTO payments and other popular methods. No hidden fees. We help our clients avoid unnecessary currency conversion costs by offering transparent and competitive terms. Customisation. We create payment pages that fit perfectly into your website design, increasing customer trust and improving conversion rates. Adaptability. BillBlend payment pages display perfectly on any device, regardless of operating system or browser. Security. Modern encryption technologies and multi-level data protection ensure maximum security of financial transactions. Conclusion Cross-border payment gateways have become an indispensable tool for companies seeking to enter international markets. BillBlend offers a full range of services to successfully realise your ambitions, ensuring growth, security and customer satisfaction. Check out our cross-border payment offerings. Frequently Asked Questions (FAQ) What is a cross-border payments platform? A cross-border payments platform is a service that facilitates international money transfers by enabling the fast and secure exchange of information between banks and payment processors. What are the benefits of using a cross-border payment gateway? Platforms reduce fees, speed up the transfer process, support multiple currencies and provide a high level of security, which is particularly useful for international businesses. How do I choose the right cross-border payment platform? Pay attention to supported countries and currencies, speed of transaction processing, cost of services, security and availability of technical support. What are BillBlend’s cross-border payment features? BillBlend offers coverage of over 100 countries, competitive rates, superior security and easy integration with accounting and CRM systems. How do I get started using BillBlend’s cross-border payment services? Simply register on our website and follow the instructions. Our specialist will contact you to set up and launch the service. What security measures are applied at BillBlend? We use advanced encryption technologies and multi-layered data protection to ensure the security of your financial transactions. A cross-border payments platform is a service that facilitates international money transfers by enabling the fast and secure exchange of information between banks and payment processors. Platforms reduce fees, speed up the transfer process, support multiple currencies and provide a high level of security, which is particularly useful for international businesses. Pay attention to supported countries and currencies, speed of transaction processing, cost of services, security and availability of technical support. BillBlend offers coverage of over 100 countries, competitive rates, superior security and easy integration with accounting and CRM systems. Simply register on our website and follow the instructions. Our specialist will contact you to set up and launch the service. We use advanced encryption technologies and multi-layered data protection to ensure the security of your financial transactions. 4

What is a Payment Card Processor A card payment processor is an integral part of the modern financial ecosystem, acting as a link between banks and businesses that accept credit and debit card payments. It processes transactional data between the consumer and the organisation, ensuring secure and speedy payments. It is important to realise that a payment processor interacts with various financial institutions by providing access to international payment systems such as Visa, MasterCard and others. Role and functions of a payment processor The main task of a card processor is to ensure the correctness and speed of financial data transfer between all participants of a transaction. Let’s analyse the key stages of such a service: Data transfer. When a customer makes a purchase, whether online or offline, he enters his bank card details. This data is sent to the payment gateway, from where it goes to the payment processor. Verification and authorisation. After receiving the information, the payment processor contacts the card network (e.g. Visa or MasterCard) to verify the availability of funds in the customer’s account. If the verification is successful, the issuing bank confirms that the transaction can proceed. Transaction Approval. Upon receiving a positive response from the issuing bank, the card network notifies the payment processor that the transaction has been approved. This information is then returned to the payment gateway and from there to the merchant. Funds Transfer. Funds are debited from the buyer’s account and transferred to the seller’s current account, having previously passed through intermediate stages of storage on a special account. Thus, online credit card payment system helps to carry out cashless settlements in automatic mode, reducing the time of operations and increasing the level of trust among the participants of transactions. Important aspects of choosing a payment processor When choosing card solutions, it is worth paying attention to several key points: Commission rates. Different services offer different terms of co-operation, including fixed and variable commissions for each transaction. It is important to compare these parameters with the planned turnover of the company. Tariffs and additional services. Some processors charge for the use of equipment (POS-terminals), server rentals and other related services. It is worthwhile to familiarise yourself with the full list of services and commissions in advance. Integrations and compatibility. It is necessary to make sure that the chosen processor is able to integrate with your existing accounting and management systems, as well as support the types of cards and payment methods you need. Security and support. A reliable payment processor must provide a high level of cybersecurity and offer 24/7 technical support. Differentiation from other elements of the payment chain It is important to understand the differences between a payment processor, payment gateway and merchant account. While the functions are similar, each of these components plays a unique role in the payment processing process: A payment gateway is a tool that allows for the transfer of data between the merchant and the processor. Merchant (acquirer) – a legal entity that has contracted with a bank to service payments. Issuing bank – the organisation that issued the card to the client and ensures its functioning. The right choice of each element of this chain will allow your business to effectively manage cash flows and minimise risks. Advantages of using a payment processor Using a modern processing solution opens up a whole range of opportunities for your business: Sales growth. Thanks to the support of international payment systems, your business gains access to the global market, increasing the number of potential customers. Increased loyalty. Customers appreciate the convenience and ease of purchasing goods and services, especially when the payment process is fast and secure. Reduced costs. By automating many of the manual steps involved in payment processing, you can save significant resources. Scalability. A quality payment processor easily adapts to growing business volumes, supporting a flexible payment infrastructure. Learn more about our services and start your partnership right now on our website. Choosing BillBlend for your business BillBlend offers a modern payment processing solution that combines high performance, security and favourable cooperation conditions. We offer a wide range of tools for efficient work with electronic money, optimised for your business needs. We are ready to offer you a personalised approach and comprehensive support at every stage of interaction. Choose BillBlend – and be confident in the stability of your financial flows! Thus, a payment processor is an important element of any commercial activity related to the acceptance of electronic payments. Correct understanding of its role and competent choice of service provider will help your business to develop successfully and increase profits. Frequently Asked Questions (FAQ) What is a payment processor and why does my business need one? A payment processor is a company that manages the processing of credit and debit card transactions. It serves as an intermediary between the buyer’s bank and the seller’s bank, ensuring that payments are secure and fast. For any business that accepts card payments, a payment processor is essential to ensure smooth payment acceptance. What fees are associated with using a payment processor? The main types of fees include: transaction fees, chargeback fees, POS terminal rental fees, and other ancillary services. These costs are necessary to keep the payment system running and are processor-specific. How do I choose the right payment processor for my business? To choose the right processor, look at fees, support for the types of cards and payment methods you need, integration with your accounting systems, level of security, and availability of quality technical support. Compare offers from several companies to find the best solution. A payment processor is a company that manages the processing of credit and debit card transactions. It serves as an intermediary between the buyer’s bank and the seller’s bank, ensuring that payments are secure and fast. For any business that accepts card payments, a payment processor is essential to ensure smooth payment acceptance. The main types of fees include: transaction fees, chargeback fees, POS terminal rental fees,

Online Payment Methods in Singapore Singapore is one of the most technologically advanced countries in the world, where electronic payments have become an integral part of everyday life. Banking and e-commerce have become widespread. In the country, you can pay for goods or services either by bank card or by alternative methods, such as QR code or cryptocurrency. Despite the wealth of offers, choosing the best payment method can be a difficult task. In this article, we take a closer look at the main online payment methods in Singapore, their features and advantages to help you understand the variety of solutions available. What shoppers pay with in Singapore Some Singapore online payment methods in 2025: Using credit or debit cards. As of 2025, 89 per cent of Singaporeans use this method for online purchases. Popular payment networks include Visa, Mastercard, Amex, and JCB. Use of mobile wallets. In 2025, 5.8 million people are projected to use them. Some digital wallets are GrabPay, FavePay, DBS PayLah. Bank transfers. For example, through the PayNow service. QR code payments. Singapore has a single payment QR code SGQR. Buy Now Pay Later (BNPL). These services include ShopBack and Atome, for example. Digital payment platforms such as Alipay and WeChat Pay are also available in Singapore. There are several factors to consider when choosing Singapore payment methods. User preferences are most important, as a business should offer methods that more customers can use. The payment gateway should support as many payment methods as possible. It will shut out the needs of the majority of the customers if they are not using the most popular methods. You should not choose the cheapest option, as in most cases with low commissions the merchant receives less services or, worse, various hidden fees. The terms of co-operation should be honest. A few payment gateways that you can use for business in Singapore in 2025 are BillBlend, Opn Payments, Eway, PayPal, Choco Up and Stripe. What to look out for when choosing a payment gateway When choosing a payment gateway, it is important to consider several key factors to ensure security, convenience and cost benefits for your business. Below are the key criteria to help you make the right choice. Security Handling your customers’ finances and personal information requires special attention to security. The main aspects to pay attention to are: Data encryption. Use of algorithms to protect information, especially credit card data. Authentication. Verifying the identity of the payer using passwords, PINs or biometrics. Combating fraud. Real-time transaction monitoring and notifications of suspicious activity. Standards Compliance. Compliance with security standards such as PCI DSS ensures your data is securely protected. Ease of use The checkout process should be as simple and intuitive as possible. Otherwise, a high failure rate is inevitable. Here’s what you need to keep in mind: Minimal steps. Order placement should take a minimum of time and effort. User-friendly control panel. The interface for managing transactions, returns, and reporting should be simple and straightforward. Integration capabilities The payment gateway should easily fit into existing business systems. Important aspects of integration: APIs and SDKs. These tools allow developers to customise the payment gateway’s features and integrate it with your platform. Documentation. Detailed instructions on how to use the API and SDK will help speed up the implementation process. Technical Support. Access to expert help in case of technical issues. Customer support Effective customer support involves quick response to questions and issues that arise. Ideal support should include: Accessible channels. Phone, email and chat for prompt resolution of issues. Experienced professionals. A qualified team ready to help in difficult situations. Transaction fees  The cost of processing payments can have a significant impact on the profitability of a business. You should take into account: Transparent fees. Avoid hidden fees and unclear terms and conditions. Competitive rates. Transaction fees should be favourable and not exceed an acceptable threshold. BillBlend offers all the features you need to accept payments securely and conveniently. We provide easy integration, transparent pricing and quality customer support. Contact us to find out how we can help your business grow and develop Answers to common questions What are the most popular payment methods in Singapore? The most popular payment methods in Singapore are credit and debit cards, e-wallets, bank transfers via PayNow, payment by QR code (SGQR) and Buy Now Pay Later (BNPL) services such as ShopBack and Atome. What factors influence the choice of payment method in Singapore? The main factors in choosing a payment method are user preferences, the need to support as many payment methods as possible and fair terms of cooperation with payment gateways. It is important to avoid cheap options with low fees as they may come with hidden fees and fewer services. How to choose the right payment gateway? When choosing a payment gateway, pay attention to security (data encryption, authentication, anti-fraud), usability (easy checkout, user-friendly dashboard), integration options (API, SDK, documentation, technical support), customer support (available communication channels, experienced professionals) and transparent fees with competitive transaction rates. Can foreign cards be used in Singapore? Yes, most foreign cards issued by international systems (Visa, MasterCard, American Express) are accepted in Singapore. However, it is recommended that you check with your bank before travelling to find out the terms and conditions of using your card abroad and any fees that may apply. The most popular payment methods in Singapore are credit and debit cards, e-wallets, bank transfers via PayNow, payment by QR code (SGQR) and Buy Now Pay Later (BNPL) services such as ShopBack and Atome. The main factors in choosing a payment method are user preferences, the need to support as many payment methods as possible and fair terms of cooperation with payment gateways. It is important to avoid cheap options with low fees as they may come with hidden fees and fewer services. When choosing a payment gateway, pay attention to security (data encryption, authentication, anti-fraud), usability (easy checkout, user-friendly dashboard), integration options (API, SDK, documentation, technical support), customer

Payment Orchestration: Key Benefits for Businesse Today’s e-commerce market is growing rapidly and global online sales are expected to reach $9.4 trillion by 2026. To stay ahead of the competition and gain share in this huge market, businesses need to implement innovative solutions that can optimise payment processes and improve customer experience. One such solution is payment orchestration, a tool that helps businesses manage their payment operations more efficiently and scale in international markets. What is payment orchestration Payment orchestration is an integrated system for managing all stages of the payment process, from transaction authorisation to settlement. This technology allows companies to be more agile and respond quickly to changes in market conditions, ensuring compliance with legislation and smooth business development in new territories. How payment orchestration works: A customer places an order. The customer adds items to the basket and proceeds to the payment stage, selecting a convenient payment method. The data is sent through the payment gateway. The payment gateway encrypts the customer’s card information and transmits it to the acquiring bank via the payment processor. Payment authorisation. The acquiring bank contacts the issuing bank to verify and approve the transaction. If the payment is rejected, the system automatically routes the request to an alternative payment channel, minimising the risk of rejection. Transaction Completion. If the payment is successful, the issuing bank returns the authorisation code and the payment is considered complete. What is payment orchestration The ability to make purchases online is no longer a luxury, but a necessity. People value their time and comfort, so they prefer to make orders directly from home or office. And if your online shop does not offer online payment option, you risk losing potential customers. In addition, online payment has a number of benefits for your business: Time savings. You no longer need to spend time processing cash or cheques – everything happens automatically. Expanding your sales geography. You can take orders from anywhere in the world where you have internet access. Increased customer loyalty. The possibility of fast and convenient payment makes the purchase process pleasant and memorable for the customer. BillBlend: Your guide in the world of cross-border payments Payment orchestration platform BillBlend offers a powerful payment organisation solution that combines high security standards, transparency and flexibility. That’s why BillBlend is chosen by leading companies: Global coverage. Supports over 150 currencies and works in hundreds of countries. Minimal fees. Payment route optimisation to reduce transaction costs. Multi-level security. Client data protection using modern cryptographic standards. Interactive analytics. Tools to analyse and monitor all aspects of the payment process in real time. Full customisation. Ability to customise payment pages to meet the unique requirements of your brand. Examples of success with BillBlend Payment orchestration benefits for businesses will be revealed by examples of successful integrations and problem solving. PIX Payments: simple PIX payment process in Brazil. The optimised payment flow led to a significant increase in transaction success rates, reaching an impressive 90%. The ability to transfer funds instantly improves the user experience by eliminating delays and complications. Another successful case study of transaction processing implementation is available in the Turkish financial market. The client received a convenient system for accepting credit card payments, which reduced fraudulent transactions, refunds and increased customer retention. Conclusion Discover new growth horizons with BillBlend. Our team of experts is ready to help you integrate orchestration solutions into your business and take it to the next level. Contact us for a free consultation and find out how we can help you achieve your goals. Learn more about the capabilities of BillBlend’s payment orchestration providers. Start growing today. Answers to common questions What is payment orchestration? Payment orchestration is the process of centrally managing all stages of payment processing within a company. It involves integrating and coordinating different payment systems, service providers, and payment methods to ensure optimal and secure transaction processing. The main goal of orchestration is to increase efficiency, reduce costs and improve customer experience, giving businesses the flexibility and ability to scale across international markets. What are the benefits of payment orchestration for businesses? Payment orchestration helps to increase revenue, reduce payment processing costs, improve customer experience, optimise transaction routes and simplify integration with different payment service providers. It also provides real-time analytics and improves payment acceptance rates. What is an example of payment orchestration? An example of payment orchestration is an e-commerce platform that integrates multiple payment gateways and services into a single service. This setup allows customers to choose their preferred payment method – be it credit cards, digital wallets or bank transfers – all through one unified system. It’s a smart way to streamline the payment process, making it easier and more efficient for both businesses and their customers. How do I get started with BillBlend? To get started with BillBlend, contact our team of experts for a free consultation. We can help you integrate our solutions into your business and help you achieve your goals. Payment orchestration is the process of centrally managing all stages of payment processing within a company. It involves integrating and coordinating different payment systems, service providers, and payment methods to ensure optimal and secure transaction processing. The main goal of orchestration is to increase efficiency, reduce costs and improve customer experience, giving businesses the flexibility and ability to scale across international markets. Payment orchestration helps to increase revenue, reduce payment processing costs, improve customer experience, optimise transaction routes and simplify integration with different payment service providers. It also provides real-time analytics and improves payment acceptance rates. An example of payment orchestration is an e-commerce platform that integrates multiple payment gateways and services into a single service. This setup allows customers to choose their preferred payment method – be it credit cards, digital wallets or bank transfers – all through one unified system. It’s a smart way to streamline the payment process, making it easier and more efficient for both businesses and their customers. To get started with BillBlend, contact our team of

B2B payment solutions Every modern business strives to optimise its financial operations. Business-to-Business (B2B) payments play an important role in the success of any company. B2B payments are any financial transactions that take place between two organisations, rather than between an individual and a company. These payments are a key element of a business’s financial health, and using the right tools to handle them can have a significant impact on overall performance. In this article, we will look at what B2B payment solutions are, how they work and what they mean for the success of your business. What are B2B payment solutions? B2B payment platformsare specialised digital services designed to automate, manage and optimise financial transactions between businesses. These solutions significantly simplify and accelerate workflows such as invoicing, payment processing and reconciliation. Key features of business to business payments: Support for multiple payment methods: bank transfers, online bank card payments, cryptocurrencies, paper cheques and cash. Process automation: minimising delays and allowing payments to be made regardless of the presence of employees in the office. High level of security: modern encryption technologies, multi-factor authentication and monitoring of suspicious activities. Integration with ERP systems and accounting software to ensure data consistency. B2B payment gateway uses businesses to make payments between companies, but there are also B2C payments, which are relevant for retail and accepting funds from individual customers. The difference between B2B and B2C payments The difference between B2B and B2C payments isn’t just limited to the type of customer – it also covers aspects such as payment sizes, frequency of transactions and payment methods used. Let’s take a look at the key criteria that differentiate the two types of payments. Criterion B2B B2C Transaction volume Large amounts typical of bulk purchases or long-term contracts. Smaller amounts typical of retail purchases. Payment terms Long-term terms such as Net 30 or Net 60. Instant or near-instant payment; customers pay for goods or services immediately upon purchase. Payment methods Mainly corporate payments: bank transfers, ACH transactions. Personal payments: credit cards, digital wallets. Requirements Credit checks for terms like Net 30 or Net 60. Minimal security measures such as PIN verification. Customer examples Wholesalers, suppliers, contractors, non-profit organisations. Individuals, occasional purchases by organisations. Thus, the differences between B2B and B2C payments are not only about scale and customer types, but also about a number of important aspects that influence the choice of the right payment method for each type of business. Business challenges and solution through BillBlend Businesses often face challenges with B2B electronic payments: slow wire transfers; high fees for international transfers; errors in manual processing of documents; insufficient transparency of financial flows. BillBlend offers a comprehensive solution to all these problems. Here’s what customers get: fast and convenient payment processing; advanced security technologies for data protection; transparency and tracking of payment status; savings on commissions thanks to favourable tariffs; support for international transfers and cryptocurrencies. This gives BillBlend partners fast, secure and convenient processing of B2B electronic payments, minimising risk and increasing business efficiency. Benefits of BillBlend B2B payment system BillBlend stands out among competitors due to the following unique features: Flexibility: support for a wide range of currencies and payment methods. Security: advanced encryption and monitoring technologies to prevent fraud. International accessibility: work with different currencies and countries. Cryptocurrency transfers: save time and money and expand into new markets. Easy integration: compatible with ERP systems and accounting software. Contact us for a consultation and find out how BillBlend can improve your financial operations. Conclusion B2B payment methods from BillBlend are the key to your company’s financial success. Join provider BillBlend and get access to innovative tools to improve your B2B payments. Frequently Asked Questions (FAQ) What are B2B payments? B2B payments are financial transactions between two companies. They include payments for goods and services, equipment rentals, licence fees and other types of commercial transactions. What are the different ways to make B2B payments? The following types of B2B payments are available today: wire transfers, ACH payments, cash, debit/credit cards, and cryptocurrencies being the most popular among them. What are the benefits of B2B payment solutions? Key benefits include faster processes, reduced errors, savings on fees, increased security, and better financial management. What currencies does BillBlend support? BillBlend supports a wide range of currencies including US dollars, euros, rubles and many others. This makes the platform convenient for international businesses. How is B2B different from B2C? B2B is an interaction between companies, B2C is between a company and a consumer. How do I start accepting B2B payments? To accept cross-border payments or make payments, you need to find and connect a reliable payment gateway (bridge) needed to process transactions, and then implement it into the company’s infrastructure. B2B payments are financial transactions between two companies. They include payments for goods and services, equipment rentals, licence fees and other types of commercial transactions. The following types of B2B payments are available today: wire transfers, ACH payments, cash, debit/credit cards, and cryptocurrencies being the most popular among them. Key benefits include faster processes, reduced errors, savings on fees, increased security, and better financial management. BillBlend supports a wide range of currencies including US dollars, euros, rubles and many others. This makes the platform convenient for international businesses. B2B is an interaction between companies, B2C is between a company and a consumer. To accept cross-border payments or make payments, you need to find and connect a reliable payment gateway (bridge) needed to process transactions, and then implement it into the company’s infrastructure. 6

Crypto Payment Gateway for High Risk Business Crypto Payment Gateway for High Risk Business is a secure payment processor that effectively serves risky businesses. It allows you to securely accept transactions with varying levels of risk from customers across the globe.Billblend, one of the leading payment gateways in high-risk cryptocurrency, legally eliminates AML and KYC procedures and thus ensures that your account is not blocked no matter what transactions you accept. There is also the ability to segregate payments by risk level, which increases the variety of payment methods and the speed of transactions. Businesses get a high level of protection against fraudulent transfers. What business industries need a high-risk payment gateway High-risk industries are areas of business that are considered risky by payment card operators. This is because these business areas have a higher proportion of suspicious transactions. Such businesses need to be more careful in selecting crypto-payment solutions and other payment methods in order to offer the customer a wide choice of payment methods, speed up transactions and at the same time reduce the risks of fraudulent transfers.The high-risk business was one of the first to integrate cryptocurrency gateways, which helped keep conversion rates at a good level. Billblend is one of the best KYC-free crypto payment gateways to integrate for businesses specialising in: sports betting; online slots; live casinos; poker games. These are some of the most popular businesses that need a reliable payment gateway between fiat and cryptocurrency. Billblend offers such a solution. Through a free consultation, you can find out about the cost of running a cryptocurrency payment gateway. For a more detailed and detailed answer, you can fill out the feedback form, indicating the specifics of your business. The consultation is free of charge. Advantages of a Billblend cryptocurrency payment gateway Crypto payment provider Billblend stands out as a leading payment gateway for high-risk businesses. These are not empty words, but a real picture confirmed by the following facts: Extensive cryptocurrency support – The crypto payment provider supports more than 100 payment methods, providing flexibility and extensive payment options. Easy integration – Billblend provides easy integration with various e-commerce systems, which simplifies crypto payment processing. Personalised Fees. The payment platform has flexible tariffs as the cost of services depends on the turnover of the business and the scope of work. This is a fair position, as it provides advantages for small companies that cannot pay a large commission. Partners have the opportunity to save on the costs of a connected crypto payment processor for business. Security. Advanced protocols and security measures are used to protect transactions and data, giving businesses peace of mind. 24/7 support. Billblend provides 24/7 support to help businesses deal with any issues they may encounter, ensuring smooth operations. For high-risk businesses, integrating a crypto-payment gateway like Billblend can be transformative for your company’s growth. Accept crypto payments to enjoy all the benefits of cryptocurrencies. This overcomes the challenges associated with traditional payment methods. Cryptocurrency payments for betting shops, investment projects, online casinos and other types of businesses allow for smooth operations, lower costs and higher payments.Discover a new direction in business development with Billblend and take your business to the next level. To set up a cryptocurrency gateway you need to contact Billblend representatives. You can write to the online chat or fill out the feedback form. Specialist’s consultation is free of charge. Answers to frequent questions? What are the benefits of a cryptocurrency payment gateway? Cryptocurrencies such as Bitcoin and Ethereum provide businesses with a variety of payment methods, reducing their reliance on traditional banking systems. Cryptoassets are inherently borderless, allowing businesses to accept international payments without the need for currency conversion or international fees. This makes it easier for businesses with customers living in different countries. The security of cryptocurrency payments cannot be overlooked. Blockchain technology provides unprecedented security and transparency of transactions, significantly reducing the risk of fraud. What is the best payment gateway for high-risk businesses? Billblend solves most of the problems businesses face with conventional payment methods. With Billblend, you get rid of such problems and instead focus on your business. What is considered a high risk business? A high-risk business is a business that has a higher percentage of suspicious transactions accepted than a low-risk business. Payment processing in such businesses may have certain local restrictions. Cryptocurrencies such as Bitcoin and Ethereum provide businesses with a variety of payment methods, reducing their reliance on traditional banking systems. Cryptoassets are inherently borderless, allowing businesses to accept international payments without the need for currency conversion or international fees. This makes it easier for businesses with customers living in different countries. The security of cryptocurrency payments cannot be overlooked. Blockchain technology provides unprecedented security and transparency of transactions, significantly reducing the risk of fraud.Billblend solves most of the problems businesses face with conventional payment methods. With Billblend, you get rid of such problems and instead focus on your business.A high-risk business is a business that has a higher percentage of suspicious transactions accepted than a low-risk business. Payment processing in such businesses may have certain local restrictions. 6

Discover Alternative payment methods The e-commerce industry is changing rapidly. New trends come and go, new audiences emerge, and customer expectations change. Given the changing trends and user preferences, businesses must respond to the changes and offer new solutions. One such trend that is becoming increasingly important is the use of alternative payment methods. The active adoption of alternative payment systems is associated with Generation Z and millennials, who have a purchasing power of over $200 billion per year. The amount is colossal, so it is not worth neglecting the demands of young customers. For them, the availability of alternative payment methods is the most important advantage when choosing a website or shop.Alternative payment solutions are just one of the many innovations adopted by the modern shopper, but it can have a big impact on purchase decisions. Billblend has support for over 100 payment systems and over 70 currencies, including digital assets. This variety of alternative payment options will appeal to all customers. What are alternative payment methods? Alternative payment systems are much more than just a technical implementation or a tool to receive funds through an e-wallet, cryptocurrency wallet, bank account or other payment methods. Alternative payment solutions can include card payment by QR code, transfer by phone number, payment in instalments or instalments, purchase on credit, payment after receipt of goods. The use of alternative ways of payment allows to attract new customers, as they have a choice of different options of purchase. They can choose the method that suits them, which increases the conversion rate and therefore the profitability of the company.Billblend refers to alternative payment providers for high-risk businesses. The company specialises in working with betting shops, online casinos, poker rooms, investment projects and other businesses that use alternative payment systems.Billblend offers partners global alternative payment methods, with the company helping partners select the optimal set of payment systems. To determine the selection of advanced payment acceptance methods, it is important to answer four simple questions: which devices my customers use most often; who my customers are: gender, age, interests, financial security; the geography of my customers and which payment methods are most popular; how payments are processed by the top companies in my industry. By answering these four questions you will be able to pick the best alternative payment methods that customers use. By providing alternative payment options, merchants can avoid forcing customers to abandon a purchase because of the high cost of an item. Instead, you can provide the customer with a variety of options that will make almost any purchase easier. Payment methods and what to do next The selection of alternative payment methods can vary from region to region, but there are payment solutions that are very popular. Some of the most popular alternative payment methods that Billblend offers its partners include: QR code payments; quick transfers; instalment payments; payment from the balance of an electronic or cryptocurrency wallet. You can find out about all the payment systems that Billblend has through the feedback form. Specialists will tell you about Billblend opportunities for your business.If you plan to expand the geography of your business, increase turnover and attract new customers, it is impossible to stay in the past. It is important to pay attention to modern alternative payment methods.The emergence of alternative payment methods is certainly not the latest innovation, in e-commerce, but it is a very important one. For businesses to stay on trend it is important to keep an eye on all innovations as it allows them to expand their market presence. In order to achieve success and keep it for many years, you need to create all possible conditions so that customers not only make purchases, but also come back for more.At Billblend you will find innovative solutions for your business, free website integration for accepting payments, support for all modern payment methods, including rare ones like agency programmes. You can book a free consultation to learn about all alternative payment solutions. FAQ Which businesses are most in need of alternative payment methods? Some market segments are most in need of alternative payment methods, namely Forex, binary options, gambling, betting, marketing agencies, e-goods and video games, gaming marketplaces, deating sites, freelancers, web design studios, IT teams, travel, e-commerce, infobusiness, training. What are the most popular alternative payment methods? Some of the most popular alternative payment methods include digital wallets such as Apple Pay and Google Pay, cryptocurrency, bank transfers, instalment payments. What is the difference between alternative and preferred payment methods? A preferred payment method is the default payment method that a customer chooses to use when making a purchase, while an alternative payment method is any payment method other than cash, credit or debit card. Some market segments are most in need of alternative payment methods, namely Forex, binary options, gambling, betting, marketing agencies, e-goods and video games, gaming marketplaces, deating sites, freelancers, web design studios, IT teams, travel, e-commerce, infobusiness, training.Some of the most popular alternative payment methods include digital wallets such as Apple Pay and Google Pay, cryptocurrency, bank transfers, instalment payments.A preferred payment method is the default payment method that a customer chooses to use when making a purchase, while an alternative payment method is any payment method other than cash, credit or debit card. 6

An electronic payment facilitator (PayFac) is a financial intermediary or organisation that simplifies payment processing for small merchants or businesses. The main goal of PayFac is to enable partners to accept payments faster and more efficiently: payment by card, e-wallet or other means. A payment processor provides similar services, but it works on a slightly different principle.Let’s consider what a payment intermediary is, how it works, how a payment processor is structured and how they differ. What is a payment processor? The main task of a payment processor is to execute transactions between three parties. The parties involved in executing a payment transaction are: seller – a shop, a BC site, a casino, a service aggregator, and so on; issuing bank – a financial organisation that issued a card or a buyer’s wallet; acquiring bank – the bank where the merchant account of the merchant is opened. A payment processor, such as Billblend, not only handles the processing of financial transactions, but also provides the necessary software hardware to accept payments.It can be said that the payment processor acts as an intermediary between the business and the banks that are involved in the financial transaction. On the merchant’s website, the customer enters payment details, the processor accepts the data, performs encryption, transmits the information between the payment participants and confirms or denies the transaction based on the responses received.Modern online shops support different payment methods. Among the most popular are: credit and debit cards; electronic wallets; bank transfers; contactless payment; cryptocurrencies. Billblend offers customers more than 70 payment methods. When entering into a partnership, you can enable all of these methods or choose only those that are most in demand from your customers. What is a payment facilitator (intermediary)? A payment facilitator (PayFac), like a payment processor, is an intermediary, but the key difference is that PayFac makes its own financial settlements rather than being part of the processing of bank transactions. Payment intermediaries simplify the registration process for merchants, making it faster and more accessible. Among the distinguishing features of the platform is the ability for businesses to register and accept payments for their services with minimal time and document collection.The facilitator has already entered into an agreement with the bank and has an individual number under which merchants can register, without interacting with the bank directly. The partners of the payment facilitator are called sub-merchants.Billblend as a payment intermediary offers customers: fast connection; a flat rate for connection; favourable tariffs. It is necessary to emphasise the peculiarity of PayFac with accumulation of funds on an individual account, which are transferred to the bank not at the moment of transaction, but after a short time. If you choose an unreliable intermediary, there may be delays with the transfer of funds. Another peculiarity is the use of a universal payment terminal. If there are changes in functionality, they affect all sub-merchants.Billblend acts as a reliable payment processor, offering partners modern payment methods and fraud protection. The advantages of the solution are free consultation, fast integration, flexible tariffs and a personalised approach. There is an opportunity to connect to trading accounts with a high level of risk. What are the differences between a payment processor and a payment intermediary The table below summarises the peculiarities of payment processors and intermediaries. Aspect Payment FacilitatorPayment processorConnectionsimpler registration form on the portal, which makes it easier for sellers to connect to the resourceMore complex process as individual settings are used rather than generic settingsTrading accountall payments are made under a common account belonging to the provider, allowing merchants to use a singlea separate processing account is created for each partnerResponsibilitymanages regulatory compliance, often sharing some responsibility with subcontractorsensures compliance with payment network rules and regulations for individual merchant accounts.Risk managementrisk management is utilised on a collective basis for all subcontractors, it includes return risks and fraud protectionsellers are responsible for managing transaction risksData securityindustry safety standards are usedsafety standards appropriate to each partner’s area of work are utilisedSettlement periodclients get quick access to transaction settlements, usually no more than 1-3 daysSettlement terms may vary, from 1 to 3-5 days depending on the area of business operation and industry standardsSeller registrationfaster access to the platform, as common settings are used without a customised approachmore complicated registration process, as the provider conducts a more thorough vetting processA payment intermediary is needed by SaaS companies and platforms that offer different solutions to customers, such as selling services or goods. With this payment acceptance model, businesses get the maximum benefit and their customers get an integrated simple and secure payment process. FAQ What role does a payment processor play in transactions? During a financial transaction, a payment processor encrypts data and sends data between the card issuing bank and the account servicing bank. What is a payment intermediary? A payment intermediary or PayFac is a service provider for merchant accounts, specifically software-as-a-service (SaaS) companies. The intermediary enables customers to conduct transactions on their platform by making payments to merchants. What are the advantages of using Billblend? The main benefit is that you can use one platform to aggregate multiple shops. This results in savings How does PayFac make it easy to accept payments? PayFacs system supports subcontractors, tracks transactions and adheres to set standards in operations. It simplifies payment acceptance because you don’t have to open a separate account for each merchant. During a financial transaction, a payment processor encrypts data and sends data between the card issuing bank and the account servicing bank.A payment intermediary or PayFac is a service provider for merchant accounts, specifically software-as-a-service (SaaS) companies. The intermediary enables customers to conduct transactions on their platform by making payments to merchants.The main benefit is that you can use one platform to aggregate multiple shops. This results in savingsPayFacs system supports subcontractors, tracks transactions and adheres to set standards in operations. It simplifies payment acceptance because you don’t have to open a separate account for each merchant. 5

A payment service provider is a company that helps businesses make various money transfers. Payments can be made using debit or credit cards, e-wallets, fast transfers, cryptocurrency and other methods.Biilblend acts as an intermediary between the business, the client and the payment system. The business receives a ready-made solution, as the payment service provider offers a complete solution. Let us tell you what makes payment solution provider Billblend stand out from other competitors. How a service payment provider works Service payment providers offer intermediary services. Billblend processes a customer’s application for payment, which he leaves on the website of a shop or bookmaker’s office. The application itself goes to the payment gateway, then to the payment processor, which confirms the debit. The payment processor links everyone involved in the purchase – the seller, the buyer and the bank that issued the buyer’s account and the bank where the seller’s account is held.When making a purchase online, the client specifies his data on the payment page and confirms the payment with a code from the card or SMS, or other method provided by the payment system. It takes a few seconds, so there is a false perception of the simplicity of operations.If we consider the payment on the site from a technical point of view, the chain of confirmation of the operation, the payment service provider carries out extensive work. The payment gateway processes the buyer’s application, sends a request to the banking organisation, receives a response, processes the results, issues a payment authorisation or denial of the transaction. What does payment processing service provider mean? Payment processing service provider is a payment processing participant who is responsible for data collection and verification. In e-commerce, PSPs offer a technical solution to make a purchase. Billblend offers businesses to integrate a form of payment by bank cards, e-wallets, direct transfers and other methods into their website or shop. There are over 100 options in total, with the ability to change the currency of the account. This allows you to expand the geography of work, as customers can pay the bill in the national currency. This is very convenient, customers do not experience stress and do not incur additional losses for conversion.Choosing a reliable payment solution provider is very important, as the partner determines how convenient the transaction process will be and what costs you need to incur to connect the provider to your website or shop. At Billblend you can request a free consultation by leaving a request form. For a more detailed response, please describe your field of work, turnover and region of operation. Billblend helps businesses in Europe, Africa, Asia and other continents. Tech support responds promptly. What is the difference between a payment service provider (PSP) and a payment gateway? A payment gateway compared to payment as a service provider is less functional. Both solutions allow businesses to customise the payment acceptance process. The gateway can collect and transmit data, but the transaction itself is handled by the payment solution provider.With Billblend, you get comprehensive support. You can request transfer statistics at any time. You can use the solution for your business by leaving a request for a free consultation. What fees are charged for using payment solution service provider (PSP) services A payment solution service provider enters into a co-operation agreement with a business. The business pays the provider to provide the service and make transfers. At Billblend, we use a dynamic rate grid, so the final figures for connection and account maintenance fees depend on the turnover of funds. Small businesses benefit from this approach, as they pay solely for the transactions they makeIf we look at the payout service provider industry as a whole, we can highlight the main indicators that affect the cost of partnership. There are no uniform standards, as providers attract new customers through tariffsUsually, a business pays for connection to a payout service provider or partially compensates for the initial integration costs. Also the cost of connection is influenced by the speed of connection, the faster the provider integrates with the partner’s site, the less losses the business has.Additional services such as cryptocurrencies, fraud protection, working with high-risk businesses and others can affect the cost of co-operation with a payment method provider. For example, Billblend accepts payments in over 70 currencies, including cryptocurrency. There’s fraud protection, including the use of customer activity analysis to prevent credit card fraud. Pros of using a payment service Much of the popularity of payment service providers stems from the fact that you get a lot of convenience for a low price. Payment service providers are great for growing companies and small businesses. Many providers have a rule of thumb – only pay for completed transactions.For a small fee, you get a transaction provider with great functionality and state-of-the-art fraud protection. The main advantages of PSP include: ease of use; flexible tariffs speed of connection; modern security features; suitable for both small and large businesses. By choosing Billblend you will get a payment service provider with a good reputation, over 100 payment methods and fast integration. FAQ How do I choose the right payment service provider? Choosing the right payment service provider will require you to consider several factors. Some of the main ones include: the need to process transfers, business goals, available costs of the payment service, reputation of the provider, what security measures the service provider uses. What currency does the PSP accept payments in? The functionality varies between payment service providers. Billblend has support for fiat and cryptocurrency, you can use bank transfers, e-wallets, credit cards and other payment methods. The provider processes transactions in more than 50 currencies. The choice of payment solutions is large, so companies from different countries will be able to find a suitable option. How can a payment service provider help businesses? The main goal of a payment provider is to make it easier for businesses to process transactions and make payments safer and easier to understand for