Embedded B2B Payments: AP Digitization Delivered

Introduction

In the age of digital convenience, businesses increasingly expect their B2B payment experiences to mirror the ease of consumer transactions—whether it’s sending money to a friend or tapping a phone (or card) at checkout.

This expectation has driven the rise of Embedded B2B Payments: the ability to initiate and manage payments directly within the software platforms businesses already use. But while the experience feels seamless on the surface, there’s a powerful infrastructure underneath—AP Payments as a Service—doing the heavy lifting.

Embedded B2B Payments and AP Payments as a Service are not siloed strategies. They’re interdependent components of a modern B2B payments experience. Embedded B2B Payments enhance and enable the front-end experience; AP Payments as a Service ensures those payments are delivered accurately, securely, and at scale.

Embedded B2B Payments and AP Payments as a Service: Two Halves of a Modern Strategy

Here’s how these two models work hand-in-hand:

Think of Embedded B2B Payments as the food delivery app—the intuitive interface users see.
AP Payments as a Service is the kitchen, preparing and delivering every order with precision.

Embedded Finance Isn’t a Trend—It’s an Expectation

Embedded finance has matured beyond trend status. It’s now the standard for how businesses expect financial tools to function.

This shift is being accelerated by:

• Platformization: ERPs and spend management tools are becoming financial hubs, not just record-keepers.
• Consumerization: Business users expect the same one-click experiences they use in their personal lives.
• Revenue Expectations: Platforms and their partners increasingly look to monetize embedded financial capabilities—especially payments.

According to Global Market Insights, the embedded payments market is projected to grow at a 30.3% CAGR through 2034, driven by rising adoption in both consumer and business channels.¹ And more than 50% of B2B transactions are expected to be fully digital by 2025.²

Delivering Embedded B2B Payments: The Power of AP Payments as a Service

Behind every seamless embedded payment is a robust infrastructure that makes it happen: AP Payments as a Service delivers the operational execution required to fulfill embedded experiences.

Finexio AP Payments as a Service

Fully Managed Payment Delivery & Operations

Automates the entire payment lifecycle—from initiation to reconciliation—across ACH, wire, check, and virtual card.

Supplier Optimization & Development

Leverages AI to predict supplier payment preferences and drive digital adoption, with 90%+ accuracy in conversion predictions.

Payment Data Management & Security

Includes built-in fraud detection, OFAC screening, KYC/AML compliance, and account validation services to eliminate risk.

Dynamic Payment Reporting & Analytics

Provides real-time insight into payment performance, cash flow, and supplier engagement.

Revenue Generating Payments

Optimizes virtual card delivery to increase rebates and turn AP into a profit center—with more than 60% supplier acceptance across electronic payment methods.

Building the Future of B2B Payments—Together

As finance leaders modernize their AP operations, it’s clear that Embedded B2B Payments and AP Payments as a Service are mutually reinforcing. One delivers the experience, the other delivers the outcomes.

Together, they enable finance teams and software platforms to:

• Optimize every transaction for cost and efficiency
• Monetize payments through virtual cards and shared economics
• Secure every step with built-in controls and automation

B2B payments are evolving. Finexio is building the infrastructure to power that evolution—from the kitchen to the checkout screen.

Sources

1. Global Market Insights, “Embedded Payments Market Size, Growth Report 2025–2034”
   https://www.gminsights.com/industry-analysis/embedded-payments-market
2. Gitnux Research, “B2B Payments Statistics 2025”
   https://gitnux.org/b2b-payments-statistics/
3. Global Payments, “2025 Commerce and Payment Trends”
   https://investors.globalpayments.com/news-events/press-releases/detail/465/global-payments-releases-its-2025-commerce-and-payment

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