B2B SaaS and business software

Add payment accounts, IBANs, collection and reconciliation directly inside the tools your business clients already use.

In brief

Businesses invoice inside their software, but the money moves elsewhere. Embedding a payment account, an IBAN, collection and reconciliation in the tool cuts that back-and-forth. No unsourced savings figures are shown here.

Businesses already use their software to invoice, track payments and run their operations. But the money itself moves elsewhere. This gap creates manual work. By embedding financial services into the tool, a SaaS removes these back-and-forths and offers a more complete experience.

Before / after, inside the software

  1. Before

    Exports, transfers outside the tool, manual matching of payments.

  2. After

    Payment account and IBAN in the journey, tracked collection, reconciliation in the software.

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Illustration. Integration with the existing invoicing module is assessed during technical scoping.

What it changes in practice

  • Collection inside the tool

    The client collects payments through a payment account embedded in the software, with a dedicated IBAN.

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  • Automatic reconciliation

    Incoming funds are matched to the corresponding invoices, with no manual matching.

  • New revenue for the SaaS

    The financial module becomes a natural extension of the offering, depending on the chosen integration model.

Typical journey

  1. The business uses its software.
  2. It activates an embedded payment account (verification journey included).
  3. It receives funds through a dedicated IBAN.
  4. Payments are tracked inside the software.
  5. Flows are reconciled automatically.
  6. Additional components can be activated depending on the project.

Components to connect

The SaaS does not necessarily need its own licence. Depending on the model, services remain operated by Tractial. A PI-agent model involves a specific framework.

  • Embedded payment account
  • Associated IBAN
  • Verification journey (KYC / KYB)
  • Reconciliation with the SaaS invoicing module, if scoping allows

FAQ

Does the SaaS need to be regulated to embed payments?

Not necessarily: depending on the model, services can remain operated by Tractial. Some models (PI agent) involve a specific framework. Every project is analysed.

How does account opening work for the end client?

Through a verification journey (KYC/KYB) embedded in the software, tailored to the business profile.

Does reconciliation work with existing invoicing?

Integration with the SaaS’s invoicing module is assessed during the project’s technical scoping.

Related pages