Strategic Partnership

RoxPay & FlowPay: B2B Payment Innovation

The perfect union between RoxPay's advanced payment gateway and FlowPay's open banking infrastructure, for instant Account-to-Account collections and automated reconciliations.

The Partner

Specialists in Open Banking and B2B Flows

FlowPay is an innovative fintech company specializing in open banking services and the optimization of financial flows for the B2B market. The primary goal is to simplify the management of collections and payments through open, fast technologies that can be seamlessly integrated into existing management software.

Open Banking

Payment Gateway

Modular APIs

Unified Ecosystem

Payment orchestration and open banking in a single platform

Transparency

Maximum visibility on financial processes and applied fees

Adaptability

Infrastructures designed to break down fragmentation and complexity

The Partnership

Integrated Payment Gateway and Open Banking

The technological collaboration between RoxPay and FlowPay was born to respond to a crucial need for modern businesses: reducing the fragmentation and complexity of corporate payments. By combining RoxPay's expertise in payment orchestration with FlowPay's open banking capabilities, we offer a unified and transparent financial ecosystem.

Integration

Account-to-Account Solutions and Modular APIs

The core of the integration lies in the implementation of direct Account-to-Account (A2A) payment flows, which bypass traditional card networks to guarantee reduced fees and instant settlement times. The architecture rests on modular, flexible APIs, allowing businesses and digital platforms a gradual, secure adoption customized to their business model.

Instant Payments

PSD2 Compliant

Flexible API

High Volume

The Benefits

Operational Efficiency and Automated Reconciliations

This technological synergy generates an immediate positive impact on corporate treasury. Manual processes are zeroed out thanks to integrated reporting and the automatic matching of invoices with collections, allowing companies to operate with greater liquidity and absolute control over financial data.

What is an Account-to-Account (A2A) payment?

A2A (Account-to-Account) allows funds to be transferred directly from the payer's bank account to the beneficiary's in real-time, leveraging open banking APIs without the need for credit cards.

What advantages does A2A offer for B2B?

A2A offers three main advantages for B2B: drastically reduced transaction costs, the absence of fraudulent chargebacks, and instant settlements, which significantly improve cash flow.

How does automated reconciliation work?

Through bank data aggregation, received payments are automatically matched to the corresponding accounting documents within the company's management system, eliminating all manual intervention.

Do I need to change my bank to use the service?

Absolutely not. The RoxPay-FlowPay system securely connects to all major European banks under PSD2 regulations, allowing you to maintain your current corporate bank account.

Use Case

Automated B2B Invoice Management and Collection

A fast-growing B2B supplier struggled to manage unpaid invoices and payment delays caused by the inefficiencies of traditional bank transfers. By integrating the joint RoxPay and FlowPay solution into their ERP system, the company embedded a 'Pay by Bank' link directly at the bottom of its invoices. The result? Clients click to authorize the payment from their banking app, the settlement is immediate, and the invoice is automatically marked as paid in the system, cutting administrative costs by 60%.

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