PayTrace & TreviPay enable pay-later for B2B buyers

By Vriti Gothi

PayTrace has partnered with TreviPay to enable B2B merchants to extend net-terms financing and invoicing capabilities to commercial buyers through TreviPay’s Universal Acceptance solution. The integration leverages the Mastercard acceptance network, aiming to streamline trade credit processes and reduce friction in B2B transactions.

The collaboration comes as business buyers increasingly expect consumer-style payment experiences, faster purchasing, more flexibility, and simplified processes, while many merchants continue to rely on legacy billing and receivables systems. Enabling net terms at the point of sale has become a key priority for suppliers seeking to drive loyalty and increase purchasing power amid growing competitive pressures.

Through Universal Acceptance, PayTrace merchants will be able to offer 30-day net terms financing, automated accounts receivable and collections functions, SKU-level invoicing directly into buyers’ ERP or AP systems, and reconciliation and expense matching. TreviPay assumes credit risk and collections management, while merchants receive upfront payment.

“By delivering TreviPay’s Universal Acceptance to PayTrace merchants, we are simultaneously driving business growth and empowering our merchants to offer net-terms financing and invoicing options that meet the evolving needs of B2B buyers,” said Tom Lizzio, Director of Strategic Partnerships at PayTrace.

“TreviPay’s Universal Acceptance is about meeting buyers where they are,” added John Jakobe, Director, Strategic Business and Corporate Development at TreviPay. “Through our partnership with PayTrace, we’re helping merchants offer a frictionless B2B payments experience that supports business buyers’ preferences for paying their invoices.”

The partnership reflects a broader trend in the B2B payments sector, where digital invoicing, automated reconciliation, and alternative financing options have become central to improving operational efficiency and maintaining customer loyalty. Analysts note that enabling trade credit at scale can support larger transaction volumes and higher order values, particularly across retail, logistics, hospitality, and manufacturing segments.

For PayTrace merchants already accepting Mastercard, the integration is designed for rapid deployment without significant changes to existing systems.