Optimise conversion on high-value baskets – B2B and B2C alike
Whether they’re businesses or consumers, your customers now expect the same things from an online buying journey: simplicity, fluidity, and security. Deliver a payment experience that lives up to those expectations with bank transfers and virtual IBANs – the ideal solution for high-value transactions and B2B e-commerce.
Enhance B2B payments with shorter, simpler processes
B2B purchase cycles are long, complex, and financially significant. Smoothing out the payment journey is strategic to:
- Maximise conversion rates
- Shorten payment delays and reduce the risk of non-payment
- Strengthen trust and customer relationships
- Gain a competitive edge
- Accelerate growth
With our Payment Experience solution, you integrate payment methods directly into your existing systems, enabling seamless, frictionless purchasing journeys.
Overcome the challenge of high-value baskets in B2C
In e-commerce, high basket values increase the risk of payment abandonment, often due to card limits being reached. The result? Failed payments, lost sales, and rarely a second chance.
By offering alternatives such as bank transfers, you can ensure:
- Successful transactions, even for high amounts
- More completed sales
- Higher customer satisfaction
- Secure, sustainable revenue
Want to increase your payment acceptance rate? You Can.
Whether for B2B payments or high-value transactions, offer all your clients the payment method best suited to their needs.
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Transport
A customer selects tickets and options, enters their details, and is ready to pay… but the card payment fails.
Integrate bank transfers into the checkout flow – and save the sale. -
Automobile
A buyer configures their vehicle and attempts to pay a deposit online by card. Payment declined.
Offer a seamless high-value transaction experience by automatically suggesting a bank transfer. -
Household appliances
A customer urgently needs a new washing machine. They choose a premium model from a trusted brand. Card limit hit…
A bank transfer integrated into the checkout takes over. That customer leaves a five-star review. -
Luxury goods
Your luxury leather goods site showcases excellence in every detail. But a failed card payment at checkout ruins the experience.
Instant transfers provide a smooth, secure, and premium payment alternative. -
A couple books a luxury holiday with bespoke extras. Everything’s ready – except the card is declined. With no alternative, they turn to a competitor.
Be proactive: offer a bank transfer to secure high-value bookings.
Cards aren’t always the right fit
- Spending limits? Authentication issues?
Offer an alternative when a card isn’t enough: enable classic or instant bank transfers, linked to a virtual IBAN for improved traceability and simplified reconciliation. - Streamline and automate refunds.
Retrieve the source IBAN from the first bank transfer and offer instant refunds for an optimal customer experience.
The benefits of bank transfers
Classic or instant, bank transfers offer multiple advantages for both B2B and B2C transactions:
- Flexibility: Ideal for high-value payments
- Cost control: More affordable than card payments
- Traceability: Eases accounting and cash flow management
- Planning: Enables scheduled payments in B2B contexts
- Security: Lowers fraud risk
The specific advantages of instant transfers
As an “instant” method, this transfer type is a powerful tool for both B2B and B2C, particularly in e-commerce:
- Near-instant execution: Funds transferred in under 10 seconds, 24/7
- Real-time confirmation: Perfect for immediate order or deposit validation
- Faster delivery or service launch: No need to wait for funds to clear
- Improved customer experience: Smoother journeys, especially for high-value or time-sensitive purchases
Optimise incoming payment management with virtual IBANs
Linking a virtual IBAN to the payment link sent to your customer increases efficiency without requiring a reference entry:
- Real-time transaction tracking
- Fast anomaly detection for quicker responses
- Automatic and instant bank reconciliation
- Protection of your main IBAN and bank account
Streamlined B2B and B2C payments through a seamless integration
Choose of payment method
On the payment page of the e-commerce website, the business or consumer customer is offered an alternative to card payment to validate their basket: a bank transfer (standard or instant).
Creation and sharing of a new IBAN
Execution of the bank transfer
Automatic reconciliation
Add payment initiation for a frictionless journey
With payment initiation, your customers can trigger a transfer directly from your site, via their bank, without entering an IBAN.
Results:
- A near one-click experience – safe and simple
- Improved conversion rates and lower costs
To further boost engagement beyond checkout, our solution enables you to launch loyalty programmes with integrated payment cards and e-wallets.
Boost your sales with secure and tailored payments
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Higher conversion rates
Payment options tailored to maximise
your cart conversion.
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Payment security
Irrevocable transfers
for complete security.
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Simplified reconciliation
Automatic matching of payments
and invoices using virtual IBANs.
How Oveo optimises its customer journey using the Xpollens solution?
