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7 Flexible Payment Methods to Drive Better Customer Experiences
DynamicWeb
Learn 7 customer-friendly payment options that improve satisfaction, streamline operations, and future-proof your B2B eCommerce experience.
When it comes to closing an eCommerce sale, customer experience is a powerful factor. In fact, 47% of B2B firms cite “improving customer experience” as the top driver behind their digital commerce investments in 2025. Customers today expect seamless, trust-worthy, secure, and self-directed payment options, and businesses that fail to deliver lose sales and more.
Notably, a Salesforce report shows that 57% of customers stop buying from a company when a competitor offers a better experience. Incentives for improvement are high because 67% of customers will pay more for stellar experiences.
One area where many businesses fall short is payments. If you are serving B2B, B2C, or D2C buyers, offering convenient payment methods is a strategic and necessary edge. These seven flexible payment methods can help reduce friction, increase trust, and support stronger long-term customer relationships.
Invoices via Customer Payment Portal
Customer portals are now essential for B2B. In 2025, 85% of businesses offer online invoice management centers, giving customers visibility into past invoices, balances, and payment options.
With a payment portal, customers do not have to contact the merchant to make a payment. Instead, they can handle their payments on their own time, when it is most convenient for them. They can view their full transaction history and choose to make full or partial payments on invoices. Their card data is never shared with the merchant, which is necessary for security and maintains trust. For businesses, customer payment portals lighten the load on AR teams and increase on-time payments.
Mobile Wallets
Finder, a company that provides financial product advice, revealed that 53% of online transactions were made with mobile wallets in 2024, and these numbers are expected to continue to rise.
Mobile wallets like Apple Pay, Google Pay, and Samsung Pay have moved beyond retail and into B2B eCommerce. Today’s buyers use smartphones for everything from research to purchasing, and they expect mobile-optimized, tap-and-go convenience at checkout. Mobile wallet payments reduce cart abandonment by speeding up the transaction process, reducing friction, and increasing perceived security.
Recurring Billing
SaaS and subscription models are so ubiquitous now. B2B and B2C customers alike are accustomed to recurring billing and find the system convenient. They don’t have to worry about manually making a payment, and their service is never suspended since the card is automatically charged. With recurring billing, the company essentially fades into the background, and the customer enjoys uninterrupted service without having to bother with the hassle of making a payment.
Whether you offer software, consumables, or professional services, recurring billing removes barriers to retention and supports long-term customer value.
Bank Transfers
Bank transfers remain essential for large transactions, especially in B2B. Accepting ACH (U.S.) or SEPA (Europe) payments leads to faster, more secure transfers without the hassle or friction of credit card fees. These methods are especially important for businesses operating internationally, processing high-order volumes, or both.
Offering bank transfer options in your checkout or portal improves trust and provides payment flexibility that many B2B buyers prefer. Interestingly, in 2024, 41% of B2B eCommerce payments were executed through bank transfers and ACH payments.
Buy Now, Pay Later (BNPL)
Once confined to consumer retail, BNPL has found a home in B2B. The global B2B BNPL transaction volume reached about $16 billion in 2024, up from $14 billion in 2023. BNPL solutions let buyers break large purchases into installments without added interest or risk to the merchant.
For businesses, BNPL increases average order value and reduces approval delays. For customers, it eases budget constraints and encourages quicker decisions. It's a clear win-win.
Cryptocurrency
While still niche in B2B, crypto is gaining ground among global enterprises and tech-savvy buyers. Accepting cryptocurrency can position your brand as forward-thinking and privacy-conscious, particularly for international transactions or decentralized industries.
Before enabling crypto payments, be sure to evaluate volatility and compliance considerations. For some businesses, it’s a valuable differentiator; for others, an emerging opportunity to monitor.
Rewards and Points
Loyalty programs that allow customers to earn and redeem points at checkout create stickier, more profitable relationships. Points can be earned through purchases, referrals, or early payments, and redeemed for discounts, exclusive access, or product upgrades. The strategy works across B2B, B2C, and hybrid models, especially when integrated with CRM and marketing tools. When well-designed and effective, programs achieve ROI’s between 2:1 and 4:1.
DynamicWeb's Payment Flexibililty
Dynamicweb offers integrated payment options built for flexibility, scale, and customer satisfaction. Whether you're managing invoices, subscriptions, international orders, or self-service portals, our composable commerce suite makes it easy to:
- Connect with your ERP to support real-time pricing and tax logic
- Offer secure, global payment options (including digital wallets and invoicing)
- Enable recurring billing and quote-to-cash flows
- Provide seamless multichannel and multi-currency experiences
With Dynamicweb, you can customize your checkout to fit your customers, not the other way around.
Contact us to learn how we support smarter payments and better experiences for your buyers.