Dec 1, 2025
By The LiquidTrust team
LiquidTrust is a payments innovation company serving FIs, B2B platforms and SMBs globally.
B2B marketplaces win when payments are invisible for buyers, reliable for sellers, and accountable for operators. This guide shows how to evaluate providers across onboarding, rails, risk, conditionality, payouts, and working capital.
The B2B marketplace payments checklist
Unified onboarding (KYB/KYC): pre‑fill data, UBO checks, sanctions screening, progressive disclosure.
Multi‑rail acceptance: ACH, wires, RTP, cross‑border; approvals/POs; invoice capture/generation
Conditionality: escrow, milestone releases, delivery verification, dispute paths.
Risk controls: device + behavioral signals, policy engine, case management, audit trail.
Payouts: scheduled/instant, split, multi‑currency, statements and reconciliation.
Compliance‑by‑default: permissions, logs, reports, evidence retention.
Developer ergonomics: clear APIs, sandbox, webhooks, idempotency, retries.
Operator surfaces: ledgers, statements, search, exceptions, SLAs.
Reliability & scale: uptime SLAs, redundancy, observability.
Onboarding without friction (but with coverage)
Short forms, progressive asks, and pre‑filled business data reduce drop‑off while maintaining KYB and UBO verification. Risk‑tiering keeps high‑risk reviews thorough without slowing good users.
Payment rails that fit B2B volume
Match rail to ticket size: bank rails for large orders, card reach for long‑tail buyers. Support POs and approvals; reconcile line‑items to orders; show landed cost and fees clearly.
Risk that scales with your volume
Combine onboarding data, order context, device signals, and history to score risk. Use queues for manual review, and close the loop so outcomes train rules—not just block users.
Payouts & working capital
Predictable seller cash flow builds supply trust. Offer scheduled or instant payouts with transparent fees. For buyers, extend terms responsibly to lift conversion and AOV.
Build vs. partner
Building the plumbing (licensing, ledgers, risk, audits) is a multi‑quarter effort. Managed solutions compress time‑to‑market and centralize accountability under one SLA.
