Popular cross-border B2B payment methods in the U.S. 2023

When paying for products or services provided by foreign companies, over half of U.S. enterprises use electronic checks and bank transfers. According to a survey from 2023, 56 percent of B2B companies based in the United States used eChecks for cross-border transactions. About the same percentage opted for bank transfers. However, the preference rate for eChecks was extremely low, at eight percent. The gap suggests that digital payment providers could expand their customer base, which appears interested in digital solutions. Over 50 percent of surveyed B2B professionals considered digitization for cross-border transactions a key priority. The most wanted payment condition With the B2B payment market size surpassing 300 billion U.S. dollars by 2030, payment providers must focus on the B2B purchase experience, tailoring it to companies’ needs. A bit like consumers are lured by buy-now-pay-later options, enterprises look for convenient trade credit options allowing them to postpone the payment. In a worldwide survey, 85 percent of B2B buyers stated they wanted to purchase goods and services with trade credit. Personalization matters Of all the ways B2B platforms can personalize the purchase experience, payment methods were the second most appreciated by companies worldwide, preceding product recommendations and other marketing actions. To 56 percent of the surveyed professionals, personalized payment services were as important as shipping options.

在支付由外国公司提供的产品或服务时，超过半数的美国企业采用电子支票和银行转账的方式进行支付。根据2023年的调查，美国境内56%的B2B公司利用电子支票进行跨境交易。与之相仿的比例选择了银行转账。然而，电子支票的偏好率极低，仅为8%。这一差距表明，数字支付提供商可以扩大其客户群，这些客户群对数字解决方案表现出浓厚的兴趣。超过50%的受访B2B专业人士认为，跨境交易的数字化是一项至关重要的优先任务。最期望的支付条件：随着B2B支付市场规模预计到2030年将超过3000亿美元，支付提供商必须关注B2B购买体验，并针对企业的需求进行定制。正如消费者被即买即付选项所吸引一样，企业寻求便利的贸易信贷选项，以便他们能够推迟支付。在全球调查中，85%的B2B买家表示，他们希望使用贸易信贷购买商品和服务。个性化至关重要：在B2B平台可以用于个性化购买体验的所有方式中，支付方式是全球受访企业第二受欢迎的选择，仅次于产品推荐和其他营销活动。对于56%的受访专业人士来说，个性化的支付服务与运输选项同样重要。