WHITE PAPER The payments spectrum What are the current options for B2B buyers and sellers, and what’s a potentially better model? By Justin Main, Billtrust Vice President of Integrated Payments3 Executive summary 4 Introduction 5 The B2B payments spectrum 6 Cheap and slow: Checks and ACH 7 Moderately-priced and fast: Credit cards 11 Expensive and instantaneous: Third-party guarantors 12 Conclusion and recommendations Contents BILLTRUST | THE PAYMENTS SPECTRUM 2Executive summary The current B2B payments spectrum consists of three segments: If managed correctly, with the right AR technology, there’s opportunity to expand the use of credit cards in B2B accounts receivable. Beyond this lies the developing possibility of third-party guarantors, including fintech providers, who will

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