Payments Startup Integrates Buy-Now-Pay-Later for B2B Merchants
PayFlow Dynamics Unveils Integrated BNPL Platform for B2B Merchants, Targeting $14 Billion Market Opportunity
NEW YORK — November 22, 2025 — PayFlow Dynamics, a venture-backed payments technology startup, today announced the commercial launch of its integrated Buy-Now-Pay-Later (BNPL) platform designed exclusively for B2B merchants and marketplaces. The solution embeds directly into existing enterprise resource planning (ERP) and customer relationship management (CRM) systems, allowing business buyers to access flexible payment terms at checkout while merchants receive immediate settlement.
The debut comes as B2B BNPL transaction volumes reached $14 billion globally in 2023, with industry analysts projecting the overall BNPL market to surge from $334 billion in 2024 to $687 billion by 2028—representing 106% growth driven by small and medium-sized enterprises seeking alternatives to traditional trade credit. According to research from Allianz Trade, adoption of B2B BNPL payments is accelerating at a 27.4% compound annual growth rate through 2029, with gross merchandise value expected to hit $669.5 billion as integration with marketplaces and ERP systems becomes standard practice.
“Business buyers are demanding the same frictionless payment experience they encounter in consumer e-commerce, but traditional net-30 terms create working capital gaps that throttle growth,” said Jennifer Chen, CEO and co-founder of PayFlow Dynamics. “Our platform eliminates this tension by underwriting buyers in real time and funding merchants within 24 hours, effectively turning trade receivables into immediate cash without the administrative burden.”
The platform distinguishes itself through several technical capabilities tailored for B2B complexity. Unlike consumer-focused BNPL providers, PayFlow Dynamics processes transactions up to $500,000 per order, conducts dynamic credit assessments using proprietary business intelligence algorithms, and reconciles payments automatically across multiple subsidiaries and tax jurisdictions. Merchants can configure payment terms ranging from 30 to 90 days or installment plans spanning three to twelve months, while maintaining control over risk thresholds for specific buyer segments.
Market data indicates merchants offering BNPL options experience conversion rate increases of up to 40% and average order value improvements between 20-40%, according to multiple industry studies. The solution addresses a critical pain point: 29% of B2B buyers abandon purchases due to insufficient payment flexibility, while suppliers face days sales outstanding (DSO) averaging 47 days across manufacturing and distribution sectors.
PayFlow Dynamics has already completed pilot programs with 23 mid-market industrial suppliers and one major B2B marketplace, processing $28 million in transaction volume during its beta phase. Early merchant partners reported a 35% reduction in DSO and 22% increase in repeat purchase rates within the first quarter of integration. The platform integrates with major ERP providers including NetSuite, SAP Business One, and Microsoft Dynamics 365, utilizing virtual IBANs for streamlined reconciliation.
The B2B BNPL sector’s expansion reflects broader shifts in commercial finance. With 2 billion BNPL transactions recorded globally in 2023 and annual revenue growth projected at 26.1% through 2030, venture capital has poured $2.1 billion into B2B payments startups year-to-date. Regulatory frameworks are simultaneously evolving, with authorities issuing clearer guidelines on transparency and fair lending practices that PayFlow Dynamics has built into its compliance architecture from inception.
“Legacy trade credit models were designed for a pre-digital era. Today’s CFOs need solutions that optimize liquidity without adding operational complexity or credit risk,” Chen added. “We’re not just offering deferred payments—we’re providing a complete financial operations layer that scales with our merchants.”
The company generates revenue through merchant discount rates competitive with traditional card processing, plus subscription fees for enterprise-tier analytics and risk management tools. Implementation typically requires two to four weeks, with API-first architecture enabling custom integrations for complex procurement workflows.
About PayFlow Dynamics
PayFlow Dynamics is a payments technology company founded in 2023 that provides integrated Buy-Now-Pay-Later solutions for B2B merchants and marketplaces. The platform combines real-time business credit underwriting, automated reconciliation, and instant merchant settlement to optimize working capital and reduce days sales outstanding. Headquartered in New York with offices in London and Singapore, PayFlow Dynamics is backed by leading fintech investors including Horizon Ventures and Steelbridge Capital.
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