The verdict in three sentences
Collecting online in B2B is more than a pay button: you must handle cards, bank transfer / Open Banking, payment terms and accounting reconciliation. Commissions range from 0.5% (Open Banking) to 2.9% (cards) by method, and technical integration costs GBP 3,500 to 18,000 in 2026. PCI DSS and GDPR compliance is non-negotiable, but done right it stays invisible to your customers.
Payment method costs
| Method | Indicative commission | B2B use case |
|---|---|---|
| Cards (Stripe) | 1.4 - 2.9% + GBP 0.20 | Small amounts, speed |
| Open Banking / transfer | 0.2 - 0.7% (capped) | Large amounts |
| Direct Debit (GoCardless) | 0.5 - 2% + fixed fee | Subscriptions, recurring |
| Payment terms | Per credit insurer | Negotiated credit |
| Wave / Orange Money | 1 - 2% | West Africa customers |
Integration cost: build vs plugin
| Approach | Upfront cost (GBP) | Timeline | Flexibility |
|---|---|---|---|
| Standard plugin | 800 - 3,500 | 1 - 2 weeks | Low |
| Custom API integration | 3,500 - 11,000 | 2 - 4 weeks | High |
| Payment terms + credit | 7,000 - 18,000 | 3 - 5 weeks | Full |
| Auto reconciliation | 2,500 - 7,000 | 1 - 3 weeks | High |
In B2B, the real challenge is not accepting cards but managing payment terms, credit tracking and automatic reconciliation with your accounting.
Mini case study
James, CFO of an industrial SME in London, collects GBP 800,000/year online, 70% by Open Banking and 30% by card. By optimizing the mix (transfer for large invoices), he cuts his average commission from 1.8% to 1.0%, saving GBP 6,400/year. The custom integration with payment terms and reconciliation costs GBP 13,000; payback is around 24 months on commissions alone, before the accounting time saved.
FAQ
What commissions should I expect in 2026?
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From 0.5% (capped Open Banking) to 2.9% (Stripe cards). In B2B, favouring transfer for large amounts sharply lowers the bill.
How much does payment integration cost?
Between GBP 3,500 and 18,000 depending on methods and payment terms. A simple plugin drops to GBP 800-3,500 but stays inflexible.
Do I have to handle PCI DSS myself?
No, if you use Stripe or a certified gateway: card data never touches your servers, sharply reducing your PCI scope.
How do I handle net-30/60 terms?
Via credit solutions (sometimes with credit insurance) integrated into the platform: automatic tracking, reminders and blocking beyond the approved limit.
Can accounting reconciliation be automated?
Yes. A reconciliation module matches payments, invoices and statements and exports to your accounting, saving hours of manual entry.
Let's scope your project. Share your payment methods, annual volume and credit needs, and we'll cost the integration and the optimal mix. Detailed quote within 48 h. WhatsApp +221 77 596 93 33.
Mohamed Bah
Fondateur, Kolonell
Passionate about digital and entrepreneurship in Africa, Mohamed has been helping Sénégalese businesses with their digital transformation since 2020. Founder of Kolonell, he believes every SME deserves a professional and accessible online présence.
