Why read this? If you manage revenue, product, or finance, each point below highlights real blockers our customers faced, the cost of staying put, and the measurable upside they unlocked after switching to Tazapay.
You must register subsidiaries and open bank accounts before accepting local methods. This meant 6–12 months of legal work, setup fees, and capital locked in minimum balances. Expansion stalls.
Tazapay Fix: One integration unlocks local payment methods in 80+ countries—no local entities required. Tazapay acts as the Merchant of Record, enabling you to collect like a local. OTAs and SaaS platforms launched in 3 new markets in under 30 days, saving over US$100k in setup costs.
Turning on each new payment rail demands dev sprints, QA, and ongoing maintenance, so product roadmaps slip and tech debt piles up.
Tazapay Fix: A single API or no-code hosted checkout auto‑adds every current and future rail. Teams cut 80% of payment‑related engineering hours after go‑live.
Card disputes and “friendly fraud” drain ops time, inflate reserves, and write off revenue.
Tazapay Fix: Irrevocable local payment methods eliminate chargebacks. For card payments, AI risk engines and 3DS optimization reduce fraud and dispute rates. Merchants recovered 2–3% of topline previously lost to disputes.
Forced currency conversions and opaque spreads quietly erode up to 5% of revenue.
Tazapay Fix: Tazapay reduces unnecessary FX by letting you hold balances in multiple currencies and convert only what you need. You benefit from transparent, competitive FX rates, with up to 80% of conversions avoided.
International card declines of 30–40% lead to abandoned carts and costly re‑acquisition campaigns.
Tazapay Fix: Local payment rails and region-preferred payment options helped global businesses lift success rates to over 85%. Marketplaces saw double‑digit GMV growth within one quarter.
Keeping pace with KYC, AML, and shifting local rules eats legal budgets and risks fines or frozen funds.
Tazapay Fix: Compliance is embedded—Tazapay is MAS-licensed and FINTRAC-registered. With automated KYC, sanctions screening, and localized flows, launches happen 4× faster with no extra compliance headcount. For India, Tazapay also supports FIRC and BOE documentation for regulatory compliance.
Switching gateways can cause downtime, failed callbacks, and angry customers.
Tazapay Fix: A dedicated migration squad runs sandbox shadow tests and parallel processing until everything passes. Clients moved millions with zero service interruption and immediate cost savings.
Managing cross-border collections, holding funds, and making payouts often requires stitching together multiple providers—slowing operations, increasing costs, and fragmenting visibility.
Tazapay Fix: Tazapay unifies the entire payment flow—collect, hold, and payout—into one platform. Accept payments via 80+ local methods, hold balances in 35+ currencies with named virtual accounts, and disburse funds in over 100 currencies globally. Businesses streamline operations, accelerate settlement cycles, and gain full control over their global cash flow.
Share your monthly cross-border volume and top target collection or payout markets, and we’ll map out exact savings and a step‑by‑step migration plan.
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It is a given that all online B2B businesses strive for a seamless checkout experience, crucial for cementing a reputation of impeccable service and reliability. But when it comes to payment solutions, the choice between Payment Links vs Payment APIs often arises. What exactly are these options, and which is best suited to meet your specific business needs? Dive deeper as we explore these online payment integration solutions to determine the best payment API for B2B businesses or if payment links offer the efficiency and security your business requires.
There’s often confusion surrounding the term ‘payment link’ due to varying terminologies used by different payment providers, including phrases like ‘pay by link’ or ‘pay button’. Essentially, payment links are URLs or buttons clicked by users to transfer funds specific to a transaction—typically for purchasing a product or service, distinct from standard options like a “Buy Now” or “Donate” button.
Despite the simplicity of payment links, providers may offer variations:
Payment links seem straightforward to implement and use, but are they the right fit for your online B2B business? Let's explore the advantages and potential drawbacks.
Given their straightforward nature, payment links are particularly advantageous for businesses in the early stages of digital transformation. For instance, freelancers with portfolio sites or businesses that have yet to fully integrate an online checkout system could see significant benefits. Payment links provide a simple yet effective solution for these scenarios.
Moreover, businesses that have not completely digitised their customer interactions or brokers who facilitate transactions between two parties will find payment links invaluable. They are not only easy to implement but also ensure that transactions are completed swiftly and efficiently.
Suitable Business Examples for Payment Links:
The 'API' in 'payment API' stands for Application Programming Interface. Simplified, it acts as the intermediary that allows different software applications to communicate by sending and retrieving data to and from a server. If the software shares a data library, the API can link these systems together, displaying the necessary results to end-users.
APIs generally come in two different variants: hosted and native. An API that is mainly integrated into the website is generally deemed to be ‘native’ whereas one that mostly directs customers to third party services is ‘hosted’.
Much like their counterpart, both forms of Payment APIs possess their pros and cons.
A robust payment API offers diverse configurations to accommodate different levels of integration based on your website’s design, ensuring that whether your online B2B business is small or large, you can tailor the checkout experience to fit your needs.
Payment APIs are particularly beneficial for platforms that require integrated online checkout systems, as these APIs are designed to work seamlessly with such setups. Marketplaces that need flexibility in adjusting fees, such as processing commission deductions in transactions, also find great value in payment APIs. These include:
While setting up payment APIs can seem daunting, understanding how to leverage their capabilities can significantly enhance your operations. The best fit for your online B2B business depends on your unique needs and the complexity of your payment processes.
It's evident that payment links are well-suited for businesses still transitioning to digital platforms or those requiring simple, reliable transaction processes. On the other hand, payment APIs are recommended for businesses with established online checkout systems, marketplaces needing flexible fee adjustments, and SaaS platforms managing recurring payments. These APIs simplify the payment process, ensuring a smooth transactional experience.
Considering an upgrade to your B2B payment solutions? Tazapay offers both hosted and native API solutions tailored to meet your escrow needs. Our APIs are designed for easy integration and transparency in transactions.
Contact us today to explore how our payment solutions can benefit your business
India’s B2B e-commerce market continues to surge ahead in 2025, becoming a hotbed of opportunity for both local and global players. With digital transformation accelerating across all industries, the adoption of modern payment infrastructure is playing a crucial role in shaping India’s business-to-business (B2B) ecosystem.
For businesses planning to expand into India’s booming online B2B space, understanding the evolving payment landscape is essential. In this post, we explore the latest payment trends, preferred methods, regulatory updates, and what to expect when entering this fast-growing market.
A RedSeer report projected back in 2019 that India’s B2B e-commerce market would outpace B2C with an exceptional CAGR of 80%, aiming to hit USD 60 billion by 2025. Fast forward to today, and that forecast has largely held up. India's B2B payments market is now a focal point of innovation and investment, supported by strong internet infrastructure, rising digitization, and favorable government policies.
The payment gateway sector, in parallel, has shown consistent momentum. According to a Business Wire report, India’s payment gateway market was set to register a CAGR of 15% through 2025. This growth has been driven by increased adoption of digital commerce, evolving regulatory frameworks, and the rise of real-time payment rails like UPI.
India's payment behavior in the B2B e-commerce space continues to evolve, driven by convenience, mobile adoption, and growing trust in digital services. Here's how businesses and buyers prefer to transact online in 2025:
Credit and debit cards still hold significant sway, particularly for automated B2B transactions like payroll, reimbursements, and vendor payouts.
Commercial cards are gaining traction among SMEs, despite lingering concerns about high transaction fees.
As of February 2025, HDFC Bank continues to lead India's credit card market with a 22% share, followed by SBI Card at 19%, ICICI Bank at 17%, and Axis Bank at 14%.
Digital wallets have become second nature for Indian users.
Unified Payments Interface (UPI) dominates real-time transfers for both P2P and B2B payments. Its seamless interoperability and previously zero-MDR policy (now re-evaluated) helped skyrocket usage.
UPI 2.0, UPI Lite, and Credit on UPI features are making it even more relevant for B2B transactions.
As of April 2025, UPI processes over 13.2 billion transactions per month.
While not the top choice for B2B e-commerce, bank transfers remain relevant for large-value or bulk transactions.
Traditional NEFT, RTGS, and IMPS services are now integrated into digital platforms to ensure faster settlement and reduce paperwork.
UPI has become the foundation for digital commerce in India. With innovations like UPI AutoPay, UPI Lite, and Credit on UPI, it now supports recurring billing and even offline-first transactions—making it more adaptable to B2B needs.
Global operators like Visa and Mastercard are actively localizing their services.
Soft POS (tap-to-phone) features allow merchants and MSMEs to accept card payments using NFC smartphones—without costly hardware.
Example: Mastercard’s collaboration with Axis Bank and Worldline to roll out contactless payment acceptance for MSMEs.
The Reserve Bank of India (RBI) continues its push for secure, compliant digital payments (Source).
Key updates include:
If you’re building or scaling a B2B e-commerce platform in India, here are a few essentials:
Tazapay is a trusted international payment provider for businesses operating in India and across borders. Here's how we simplify B2B payments:
Whether you're a SaaS company billing global clients, a cross-border marketplace collecting in India, or an enterprise scaling internationally—Tazapay helps you move money faster, safer, and smarter.
India’s B2B payments landscape in 2025 is more digitized, efficient, and innovation-driven than ever before. From real-time UPI adoption and commercial card enablement to regulatory clarity and mobile-first infrastructure—the momentum is clear.
For international businesses eyeing India, the opportunity is massive—but success depends on aligning with the right infrastructure and payment partner.
Tazapay makes that journey seamless, secure, and scalable—so you can focus on growth, not compliance.
