B2B Trade Collections

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What you can build
Give business customers an account number in their region. They pay by normal bank transfer. The money lands on your balance and is settled to you.

How the money moves

Customer's bank transfer → your account number → your balance → settled to your bank, or held in your MCA

Flows you'll use

Flow guide
Collections	✓
Settlements	✓
POBO / COBO	◐ only if you move money for your own customers
MCA	✓

Your integration

Create your account number — Create Virtual IBAN
Give it to your customer. They pay by bank transfer.
Check the money is available — Get IBAN Balance
Receive it in batches — Settlements — or hold it in your MCA

Before you go live

KYB must be complete before an account number is issued — Identity Verification
A deposit is held until it matches an order and the sender is identified. If one stays held, that's why.
An unmatched deposit can be linked to a customer — Link IBAN Orders
Collecting for your own merchants? Create one account number per merchant — POBO / COBO