High Value B2B Payment
A conditional B2B payment divided into three stages, with different companies completing specific tasks. The payer must approve each stage's outcome for the payment to be captured.
https://test-bank.com
Initiate New TransferProvide the payment details and continue to review.
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Add a PayNote code to include additional payment instructions or references
Drag & drop PayNote file here
Supports .yml, .yaml, .json, .txt, .pdf
One PayNote governs several stages (delivery, integration, inspection). The payer must confirm each stage before funds move; if a stage fails, funds stay reserved or are released.
- For banks: a modern alternative to letters of credit/escrow that's faster to issue and cheaper to service; strong event logs for risk, audit, and KYC/AML; reduced wire-recall and dispute workload.
- For card processors: enables card-rail usage for larger, staged corporate purchases with milestone captures; lowers dispute exposure by tying each capture to verified deliverables.