B2B transfers in seconds. Account to account.
A service that moves funds directly between bank accounts with SEPA Instant, with no card networks or intermediaries. B2B transfers credited in under 10 seconds, reconciled automatically.
What's wrong with traditional B2B transfers
Fees and hidden costs
Every traditional B2B transfer adds up fees: sending, receiving, correspondent banks. At high volumes, margins quietly erode.
Fixed rates, no surprises
The A2A API uses SEPA Instant directly, skipping correspondent banks. Up to 80% lower costs.
Slow settlement: 1-2 days
A standard B2B transfer takes 1-2 business days. When you need cash now, the delay blocks your treasury.
Funds available in under 10 seconds
With RoxPay A2A the transfer lands in under 10 seconds, 24/7/365. Even on holidays.
Manual reconciliation
Matching thousands of transfers to orders and invoices by hand is slow and error-prone. Your treasury team loses hours every day.
Automatic reconciliation
Every transfer carries a unique reference. With multi-tenant virtual IBANs, matching happens automatically.
RoxPay's A2A services
A2A SEPA Instant Transfer
B2B transfers via SEPA Instant. Funds credited in under 10 seconds, 24/7, including holidays. Up to €100,000 per transaction.
Multi-tenant Virtual IBANs
A dedicated virtual IBAN for every entity, project, or client. Automatic reconciliation, no multiple physical accounts.
Automatic Reconciliation
A unique reference for every transfer — invoice, order, or project. Your ERP updates automatically via webhook.
Intra-group Cash Pooling
Move liquidity between your companies in seconds. Real-time dashboard, configurable limits, reporting for the CFO.
What is RoxPay's A2A API?
Account-to-Account (A2A) moves funds directly between bank accounts, with no card networks or intermediaries. Our API triggers, tracks, and reconciles B2B transfers in real time.
- SEPA Instant B2B: transfers credited in under 10 seconds, 24/7/365.
- Multi-tenant virtual IBANs: a dedicated IBAN for every entity or client.
- End-to-end reference: every transfer matches automatically to an invoice or order.
- Intra-group cash pooling: move liquidity between your companies in seconds.
- Zero chargebacks: once confirmed, the transfer is irrevocable.
- High limits: up to €100,000 per transaction.
What you get with the A2A API
SEPA Instant B2B
Funds credited in under 10 seconds to any SEPA Instant bank. Live 24/7/365, including holidays.
Multi-tenant virtual IBANs
Every entity or client gets a dedicated virtual IBAN. Automatic reconciliation, no extra physical accounts.
End-to-end reference
Every transfer carries a configurable reference — invoice number or order ID. Matching to your ERP is automatic.
Zero chargebacks
The SEPA Instant transfer is irrevocable. Once authorized, it can't be disputed or reversed.
Intra-group cash pooling
Move funds between your companies in seconds. Fewer overdrafts, better returns on liquidity.
RESTful API with webhooks
Documented API, free sandbox, real-time webhooks. Integration in 2-5 business days.
Standard transfer or A2A Instant? The right choice for every scenario.
Standard SEPA transfer (SCT) and A2A Instant (SCT Inst) are both useful, but different. SCT is cost-effective and fine for non-urgent payments. SCT Inst is instant, live 24/7, and the right choice for treasury and urgent payments. RoxPay supports both from the same API.
Standard SEPA Transfer
The classic SEPA transfer (SCT) is fine for non-urgent payments. Settled the next business day, low cost. For: suppliers on 30/60/90-day terms, payroll, taxes.
A2A Instant (SEPA Instant)
The A2A Instant transfer (SCT Inst) credits funds in under 10 seconds, 24/7/365. Irrevocable, €100,000 limit. For: urgent cash pooling, critical suppliers, marketplace payouts.
Optimal Hybrid Strategy
The most efficient strategy: A2A Instant for urgent needs, standard SCT for scheduled payments. RoxPay handles both from the same API, with automatic routing.
RoxPay supports both standard SEPA transfers and A2A Instant transfers. Pick the right network for every payment.
Talk to an expertSecurity and compliance, on every transfer
Every A2A transfer follows the SEPA Instant standard (SCT Inst), meets GDPR requirements, and never requires card data or banking credentials.
SEPA Instant SCT Inst
EPC standard for instant transfers
Irrevocable
Zero chargebacks by design
PSD2 Compliant
Authorized operator in the EU
GDPR Ready
No sensitive card data
Manage A2A transfers for merchants onboarded on your platform
The A2A API isn't just for your own treasury. Marketplaces, B2B SaaS platforms, and aggregators use it to manage instant account-to-account transfers on behalf of their merchants or clients, with a single integration.
Who the A2A API is built for
Corporate groups & Cash pooling
Centralize group liquidity with instant transfers between your companies. Fewer overdrafts, better returns.
B2B supplier payments
Pay suppliers in seconds, with a unique invoice reference and automatic reconciliation.
Marketplace & Platform payouts
Pay out your platform's sellers instantly. A dedicated virtual IBAN for every merchant.
B2B SaaS & Recurring billing
Collect B2B subscriptions via A2A transfer. No chargeback risk.
Move funds in seconds, not days.
Discover how RoxPay's A2A API can transform your corporate group's B2B payments.
