Embedded Finance

A modular B2C payments solution with built-in SCA

Streamline your private clients’ experience with a high-performance B2C payments solution designed for security and scale. Integrate modular financial tools with built-in Strong Customer Authentication (SCA) to ensure secure, compliant B2C transactions.

Contact sales

A modular B2C payments solution with built-in SCA

Why your business needs a modern B2C payment system

A B2C payment solution is a digital system allowing businesses to send money directly to consumers or receive payments from them. In today’s digital economy, businesses that fail to modernize their B2C digital payments often face inefficiencies, payment delays, and higher operational costs.

Enhanced customer satisfaction: Offering multiple B2C payment methods – including credit/debit cards, bank transfers, and digital wallets – improves the user experience and significantly reduces cart abandonment.

Streamlined disbursements: Our B2C payment system simplifies complex payouts, including insurance claims, employee wages, customer rebates, and refunds.

Automated efficiency: By automating your digital B2C payments, you eliminate manual checklist tasks and speed up transaction processing.

Global market access: Leverage our multi-currency support to settle B2C payments in local currencies, helping you launch in new markets with less friction.

How to accept B2C payments securely with SCA

Security is the most critical factor when choosing a B2C payments solution. Strong Customer Authentication (SCA) is foundational to our platform, protecting your business and your clients from fraud.

Biometric authentication: Secure B2C transactions with Face ID, Touch ID, or secure passcodes via the ConnectPay app.
Tokenization for data privacy: We use tokenization to replace sensitive card information with secure digital tokens, ensuring actual account numbers are never transmitted during a transaction.
Regulatory compliance by design: Our embedded compliance platform handles automated KYC and AML monitoring so you can focus on innovation instead of regulatory paperwork.

Diversify your B2C payment methods with modular integration

Our B2C payments solution is built on a three-layer technical stack, allowing you to embed finance directly into your product experience. This ensures that B2C digital payments feel like a native part of your service.

High-speed B2C payouts and disbursements

Manage your workforce or customer base efficiently with automated B2C payouts. Whether it’s payroll or insurance disbursements, our platform ensures fast, reliable delivery of funds to your end-users.

Digital wallets and mobile-first payments

Give your customers the speed they expect. By using the ConnectPay API, you can support digital wallets like Apple Pay, Google Pay, and PayPal, which provide faster checkouts by utilizing stored payment information.

Multi-currency IBAN accounts and bank transfers

Allow customers to transfer money directly from their bank account to yours via electronic funds transfers. Our B2C payment methods support 80+ currencies and global SWIFT/SEPA networks to facilitate worldwide trade.

We're here to do the heavy lifting for you

connectpay matrix yellow & green background

Here's what you won't have to take care of

Simply integrate user creation flows and perform session management—we will handle SCA for you, giving you peace of mind and easing your operational load.

External vendor not required

No enhanced logs saving required

No additional password protection

No user management needed

No API certificate to maintain

Essential Embedded Finance for B2C

For B2C businesses with straightforward needs, our embedded finance with SCA option covers the essentials—payments, statements, and top-ups—while we take care of the complexities. Streamlined and secure, it’s the perfect fit for businesses looking to keep things simple.

Payments

Statements

Top ups

Perfect for first-time financial integrations

See documentation

Need a full-scale solution? Discover our standard embedded finance package

If your business requires a more comprehensive embedded finance setup, let’s explore our standard package. Designed for complex needs, it offers an extensive suite of features tailored to meet high demands and growth objectives.

Cards

Payments' acceptance for merchants

Business clients onboarding

Discover more

You may also find interesting

Business accounts

Business debit cards

Business debit cards Cross-border payments

B2C payments solution FAQs

What is a B2C payments solution?

A B2C payments solution is a secure digital architecture that enables businesses to manage financial transactions with individual consumers, covering both payment collection and disbursements like refunds or payroll.

How does a B2C payment system differ from b2b?

B2C systems are typically designed to handle a higher volume of smaller transactions that occur at the time of purchase. B2B payments, conversely, usually involve larger sums and a delayed invoicing process after goods are delivered.

What are the most popular B2C payment methods today?

While credit and debit cards remain standard, alternative methods like digital wallets (Apple/Google Pay) and Buy Now Pay Later (BNPL) services are increasingly preferred for their speed and convenience.

How to accept B2C payments on my platform?

The most efficient way to accept B2C payments is through an API-first B2C payment system. This allows you to integrate a secure payment gateway directly into your existing operational workflows and CRM.

How does SCA protect my B2C transactions?

Strong Customer Authentication (SCA) requires multi-factor verification for digital transactions. This ensures that even if card data is compromised, an unauthorized user cannot complete a purchase without a second form of ID, such as a biometric scan.

Can I automate B2C payouts for my global workforce?

Yes. Our platform allows businesses to automate the payout process, reducing administrative burdens and ensuring that employees or customers receive funds in their local currency without delays.