Balance Integrates RTP Rails to Deliver Frictionless B2B ACH Payments and Improve Merchants’ Cash Flow

A credential-free, real-time verification experience enables seamless ACH setup for buyers—and gives merchants faster access to funds while reducing transaction costs.

NEW YORK--(BUSINESS WIRE)--Balance, the financial infrastructure platform for B2B commerce, today announced the launch of Instant Bank Connection, a new capability powered by Real-Time Payment (RTP) rails that simplifies ACH setup for buyers and speeds up payments to merchants—improving cash flow and reducing processing costs.

Although ACH is one of the most cost-effective payment methods in B2B, its adoption has been held back by outdated onboarding flows such as credential-heavy logins and multi-day verification delays. Traditional microdeposit processes can take three to five days to complete, while login-based methods often fail in B2B settings—where buyers typically don’t have access to their company’s banking credentials, creating unnecessary friction at checkout. As a result, merchants often delay fulfillment until payments are confirmed, slowing down the entire order-to-cash cycle and impacting customer satisfaction.

Balance’s new RTP-powered Instant Bank Connection capability removes these barriers by allowing buyers to link their accounts using only routing and account numbers. This real-time verification streamlines the buyer experience while giving merchants immediate payment confirmation, faster payouts, improved cash flow, and the ability to release goods sooner with confidence—accelerating fulfillment and strengthening customer relationships.

Balance’s RTP-powered bank connection is more than just a faster onboarding method—it’s a strategic lever for B2B merchants looking to scale with efficiency. By making ACH payments as seamless as cards, merchants can unlock significantly lower processing costs.

“Merchants shouldn’t have to choose between affordability and speed when it comes to getting paid,” said Bar Geron, CEO and Co-founder of Balance. “With RTP-enabled ACH payments, they can reduce costs and accelerate access to funds—all while giving buyers a smooth, payment experience.”

This launch advances Balance’s mission to modernize B2B commerce and bring consumer-grade simplicity to complex B2B payment workflows. By combining RTP-powered bank verification with AI-powered credit management, billing, collections, and cash application, Balance empowers merchants to reduce overhead, improve cash flow, and scale with confidence.

Instant Bank Connection is now available to all eligible Balance customers. To learn more visit https://getbalance.com/

About Balance

Balance is a leading financial infrastructure platform for B2B commerce, enabling embedded payments and digital trade credit solutions.

Merchants use Balance to accept payments, offer net terms, and automate accounts receivable —boosting revenue, lowering payment costs, and improving cash flow, while minimizing complexity and credit risk.

With robust APIs supporting embedded and customizable customer journeys, advanced billing, AI-powered credit risk management, industry-best approval rates and flexible financing, Balance streamlines B2B payments from onboarding to reconciliation, powering invoice-to-cash operations for leading enterprises.