The B2B Payment Challenge in E-commerce
B2B e-commerce presents specific challenges. Merchants regularly face these issues:
- Professional clients abandoning high-value carts due to credit card limits
- Traditional bank transfers adding 2-3 days to processing times
- Complex accounting reconciliation with numerous transfers to identify manually
- Credit card fees eating into margins on large transactions
B2B e-commerce requires payment solutions tailored to its specific needs, beyond standard consumer offerings.
Bridge API: Open Banking for Business
A Solution Built for B2B
Bridge operates as an institution licensed by the ACPR (French Prudential Supervision Authority) and DSP2-certified. The concept is innovative: rather than waiting for a manual transfer prone to errors, Bridge initiates the transfer directly from the client’s banking app with biometric authentication in just a few clicks.
Key figures:
- 500+ companies trust Bridge
- €3+ billion in executed transactions
- 8 million bank accounts synchronized daily
- Notable clients: Cdiscount, Cegid, Sage, Qonto, PayFit, Roche Bobois
Why Choose Bridge for B2B?
| B2B Pain Point | Bridge Solution |
|---|---|
| Limiting card ceilings | Payment limits up to 30x higher |
| High fees on large carts | Advantageous flat-rate pricing |
| Manual transfers with errors | Auto-filled bank details |
| J+2 confirmation delay | Instant confirmation |
| Manual reconciliation | Order reference embedded in the transfer |
| Credit card fraud risk | Irrevocable transfer, zero disputes |
Hyvä Checkout: Flexibility at the Service of Integration
A Modern Checkout Architecture Built for Integrators
Hyvä Checkout is more than just a fast purchase flow. It’s a modular, extensible architecture that allows the integration of any third-party payment system.
Unlike traditional Magento checkouts that impose technical constraints (RequireJS, KnockoutJS, complex XML), Hyvä offers:
- Magewire: reactive PHP components without complex JavaScript
- Alpine.js: lightweight and maintainable interactions
- Tailwind CSS: native visual integration
- Open API: documented extension points for developers
The Hyvä Checkout Advantage for Merchants
This technical flexibility creates a concrete business advantage: offering exactly the payment methods your customers expect, without compromise.
Merchants can integrate:
- B2B financing solutions (Alma, Pledg, Oney)
- Deferred or installment payments
- Instant bank transfers (Bridge, Fintecture)
- Industry-specific solutions
XTAND’s Integration: Expertise and Know-How
Our Approach
XTAND doesn’t just install standard modules. The agency designs custom integrations that address each client’s specific business needs.
For Bridge API in Hyvä Checkout, XTAND developed an integration aligned with business processes:
An Integration Aligned with Your Business Processes
Bank transfers have their own specificities: confirmation delays, validation steps, traceability requirements. The integration adapts to internal processes rather than the other way around.
This includes:
- Complete traceability: every step timestamped and visible in the back-office
- Accounting synchronization: transaction references automatically linked to orders
- Customizable workflows: automatic triggering of business actions
- Audit and compliance: detailed history for internal review
A Seamless User Experience
The customer selects “Instant Bank Transfer”, is redirected to their banking app, authenticates via fingerprint, and confirms. Less than 30 seconds for a secure, error-free payment of several thousand euros.
A Robust Technical Integration
- Webhooks for real-time payment confirmations
- Cancellation handling with automatic cart restoration
- Detailed logs for monitoring and debugging
- Automatic emails on every status change
The Magequip Case Study
Magequip, a professional equipment specialist, illustrates the concrete benefits of this integration.
Observed results:
- Higher average carts (removal of the psychological barrier of card limits)
- Reduced processing time (instant confirmation vs. J+2)
- Decreased administrative burden (automatic reconciliation)
XTAND: Your Magento Integration Partner
Our Expertise
For over 10 years, XTAND has supported businesses in their Magento e-commerce projects, with complete mastery of the ecosystem:
- Magento 2: architecture, performance, security
- Hyvä Themes: modern frontend framework
- Third-party integrations: ERP, CRM, PIM, payment solutions, logistics
- Custom development: tailored business modules
What Sets Us Apart
Based in Bordeaux, France, XTAND delivers customized solutions rather than generic offerings. The agency analyzes needs, designs the architecture, and develops robust integrations built to last.
Conclusion
The integration of Bridge API into Hyvä Checkout demonstrates what’s possible when you combine an innovative payment solution designed for B2B, a flexible checkout framework that adapts to all needs, and integrator expertise mastering the entire technical chain.
The result: a seamless payment experience for professional clients and simplified management for teams.