International bank transfers are expensive and time consuming.

B2B’s mission is to make international business transactions as quick and as cheap as possible with complete transparency about costs.

We also simplify the bureaucratic process and eliminate the need for back and forth paperwork.

Our pricing model is based on two pillars:

Transparent, straightforward pricing
Lowest possible rates

We are currently focusing on payments from Europe to India.

The Process

  1. 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.

  2. We provide your business with an EUR payment account in Finland

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

  3. We immediately notify you

    When your money arrives in the account and 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.

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.


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.

BarclaysTechstarsNordea bankNestholma Venture AcceleratorsTekes VCMaharashtra Chambre of Commerce

The founding team has a 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 values

Our vision

International business without friction -- reducing costs, paperwork, and time to the absolute minimum.

  • Customer satisfaction first.
  • 100% transparency in all communication.
  • Embrace diversity.
  • Equal opportunities and rewarding excellence.

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.

Every year over 100,000 small exporters send goods and services to their customers in Europe. In almost all cases the payment is initiated with the importer's local bank. The exporter carries all the costs related to the transaction.

B2B Pay uses the latest technology to save money and improve profitability for exporters to Europe. Our soultion is 80% cheaper and faster than the current methods.

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


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

Kasper Souren
Kasper Souren



An entrepreneur and IT specialist who has worked on startups and online projects including the biggest Dutch social network, CouchSurfing, Wikipedia in African languages, Hitchwiki, Mercedes-Benz and the Dutch tax authorities. Kasper has an MSc in Mathematics.

Ben Lavi
Ben Lavi



He has experience with risk and fraud analysis from the leading Fintech company Payoneer, and has also worked for Matrix-IFS, where he operated as a consultant and implementer of comprehensive AML monitoring systems for global banks. Ben has also worked for PwC in the field of insurance and in Israel’s leading law firm focusing on Corporate law. Ben is a Certified Public accountant and Advocate In Israel and holds degrees in law and business (accounting).

Leonardo Bassani
Business development
Leonardo Bassani



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

Nordea bank accelerator

We are part of the Nordea Bank accelerator program powered by Nestholma. In Nordea we are working directly with executives with an in depth knowledge of banking.

  • Barclays
  • Techstars
  • Nestholma
  • Nordea
  • Tekes