B2B Transfers

B2B Transfers

International transfers should not be expensive and slow.

B2B Transfers

B2B Pay's mission

To make B2B transfers affordable, transparent and instantaneous.

B2B Transfers

Virtual bank accounts

VBAs are the best way to redefine the banking industry.


Transparent, straightforward pricing



We can perform payments from Europe to anywhere

The Process

  • We simplify the paperwork

    You provide us with the required documentation at sign-up. We go through a KYC/AML compliance check and ensure the banks and authorities involved receive the needed documentation.


    With SEPA you can receive euro payments from 35 countries in Europe at no cost.


    When your money arrives in the account and when we send the money to your local bank account for the best fee in the market.

    You will save between 50% and 85% in transaction fees with an accompanied increased profit margin of 7% up to 20% when choosing B2B Pay over a wire transfer from one of the 200,000 banks in Europe.

Trust, Investors

b2b has partnered with two prestigious financial institutions:
Nordea Bank, one of the biggest and most trusted banks in the world, with headquarters in Sweden, as well as Barclays Bank, a world leader in finance.

We have received funding from the Finnish government and from investors in Finland and the United States.

  • Techstars
  • Accenture
  • Barclays
  • Exec Fintech
  • Nordea
  • BAI
  • BAI

The founding team has broad and in-depth experience in both finance and technology, with a solid track record with companies such as AEGON, Mercedes-Benz and governmental organisations including the Dutch tax authorities and the New Zealand financial authorities.

Our vision for non resident bank accounts

A global direct bank providing virtual banking for international SMEs & multinationals

  • Mutiple IBANs accounts supporting multiple currencies and countries

  • API access & business rules library for automation

  • Marketplace for Insurance, logistics, credit protection, working capital

  • Omni channel payment processing

  • Customised modules for invoicing, salaries, industries

Our Story

Our Story

In 2013, Neil was helping restructure a small pharmaceutical exporter in India, near Mumbai. He noticed that by the time the transaction was processed, the exporter had lost 20-30% of their gross margin due to international fees and currency conversion rates.

Hundreds of thousands of companies perform transactions with their customers in Europe. In almost all cases the payment is initiated at a local bank. The non-resident company carries all the costs related to the transaction.

B2B Pay uses the latest technology to save money and improve profitability for these companies. Our solution is 80% cheaper and faster than the current methods.

read more about us here

Our Team

B2B Pay is founded by Neil Ambikar and Kasper Souren. Both international travelers, speaking a combined 14 languages, their expertise is wide varied - Neil has experience in business, finance and regulations, while Kasper is an expert in all facets of integration and implementation of web based businesses. In 2015, after almost a decade of friendship, Neil and Kasper decided to work on innovating global B2B payments.

Neil Ambikar


Neil Ambikar

New Zealand
Email: [email protected]

A finance and business professional who has worked in four countries in the field of business advisory, tax, audit, restructuring and management reporting. Neil has worked as a bank auditor, interim CFO and is a registered chartered accountant in the UK, Australia and New Zealand and holds a degree in business.

Leonardo Bassani


Leonardo Bassani

Email: [email protected]

Leonardo has a long track record with sales and marketing with internet businesses, working with organisations Red Bull, Nokia, Avaya Comm, the Red Cross and Miss America. Leo co-founded CouchSurfing.

How it works

financial technology

Financial technology, also known as Fintech, is a line of business based on using software to provide financial services. Financial technology companies are generally startups founded with the purpose of disrupting incumbent financial systems and corporations that rely less on software.

Wikipedia: Financial technology

Fintech companies are taking parts of what banks are doing and optimising heavily.

They’re doing things that would have been impossible 10 years ago, that probably would have been impossible 5 years ago.

Business Insider: This is how a new crop of companies is trying to reinvent banking

reduced operating costs

Unlike banks we're not employing hundreds or even hundreds of thousands of people. We don't have big offices. Banks have many costly legacy processes. B2B Pay is a nimble organisation that mostly automates its work.

We needed a partner who could understand our needs and provide us with a solution to take payment in our customers' currency, in order for them to not pay high fees via banks and international wire transfers. B2B Pay is the perfect solution for our business: SEPA wire transfers are easy and fast. Our customers don't pay any additional fees and they get the best conversion rate! Our customers are very pleased with this solution, and so are we!

Thibaud Lucas, Experilang

fast & flexible b2b money transfer

When it comes to building our company reliability comes first. Nevertheless we are still about a 100 times faster than any big bank when it comes to your B2B money transfer.

virtual bank account for aggregation of funds

We're combining a large number of transactions, so that a 10k€ payment will actually be transferred for the rate of a 10M€ transaction. When you do smaller transactions the spread costs are much higher. Banks typically charge between 3-6% on international transactions and currency exchange for transactions up to 1M€, without explicitly telling you. If you enquire you will get the reply that the cost is "only" 30€ for an international transaction.

If you look deeper into this you see that the currency exchange happens at a price far from the mid-market rate.


  • "The application process is very easy and can be done completely online. Our account management is also fully digital."

    — Too Mobiles

  • "We have been very happy with the service provided by B2B pay - in fact, their great service is why we chose them."

    — Blue Mobile Ltd, England

  • "B2B Pay allows me to receive payments from Amazon, which wasn’t possible before. They made it easy for me to open an international account - even as a non-resident!"

    — Melina Lewis, Tankwa Sky Holdings Pty Ltd, South Africa

  • "We can now do business more easily with EU clients as B2B pay’s account offering has allowed us to accept SEPA payments."

    — Shahar Mor, Mohaban Mor & Co., Israel


become partner

Join the 10 thousand plus businesses already with B2B Pay