Global orchestration of B2B collections
Bosch's Automotive Aftermarket division digitized cash flows from its European network of distributors and workshops by adopting RoxPay as its single centralized B2B payment platform.
The fragmentation of international collections
Managing payments from thousands of workshops and distributors across different countries generated inefficiencies, delays, and high operational costs for the headquarters.
Multiple Gateways
Every country manager used different local PSPs (Payment Service Providers), making unified group reporting impossible.
Reconciliation burden
Thousands of SEPA transfers to be manually checked off on the central SAP software required massive administrative resources.
Insolvency Risk
Spare parts orders blocked due to 'exceeded credit lines' slowed down the supply chain, frustrating the sales network.
A unified financial hub for the network
Through RoxPay's integration, Bosch implemented a centralized payment portal where B2B clients can settle invoices and orders autonomously.
Discover Invoice CollectionSelf-service Client Portal
Every workshop accesses a white-label reserved area to view their account statement and pay arrears with one click.
B2B Payment Methods
Integration not only of corporate credit cards, but also Direct Bank Transfer (Open Banking) and SDD.
SAP Synchronization
Bidirectional communication with the corporate ERP: invoices settled on RoxPay instantly close on the balance sheet.
Unlocked supply chain and optimized cash
The choice of a specialized B2B payment platform radically improved the group's international operations.
Infrastructure for large volumes
The RoxPay solutions that guarantee enterprise-grade reliability to Bosch.
Dedicated connectors and APIs for massive, continuous updating of customer ledgers between platform and ERP.
Ability for distributors to order irrevocable bank transfers directly from the portal, zeroing fraud.
Intelligent routing of transactions to the best acquiring bank based on country to slash commission fees.
Fully branded payment environment with Bosch colors to guarantee maximum trust to users.
Automatic matching between collections, invoices, and credit notes without human intervention.
Advanced roles and permissions for country managers, central treasury, and field agents.
"Moving from dozens of local systems to a single B2B payment platform changed the game. RoxPay isn't just a gateway for processing cards, but a true treasury tool that freed our distributors from bureaucracy and allowed the group to slash DSO across Europe."
Deep Dive: Enterprise B2B Payments
Traditional banks offer excellent current account services, but their technological gateways are often obsolete and fragmented by nation (Interbank Corporate Banking). RoxPay provides a software abstraction layer ('orchestration') that unifies all international, multi-bank, and multi-method flows under a single interface connected to the ERP.
Through Open Banking (Payment Initiation Service). In the RoxPay portal, the B2B client clicks 'Pay with Bank Transfer', selects their bank, and authorizes the transaction. The transfer starts immediately with fixed reason codes and amounts. The merchant receives instant notification of irrevocability, allowing them to ship goods immediately (as if it were a card payment).
No, not starting from scratch. RoxPay has modern REST APIs, webhooks, and exports in standard formats (CBI, structured logs) already prepared for native communication with major Tier 1 ERPs.
Huge. Often the sales agent acts as a debt collector for the company. From the portal, the agent or final client clearly sees what's expired and can settle 24/7 with card or Open Banking. This unlocks orders stopped due to exhausted commercial credit and puts the agent back to doing their real job: selling.
Do you manage collections from distribution networks or international markets?
Unify cash flows, automate reconciliation, and reduce DSO with a true enterprise platform.