Omnichannel Payments

What are Omnichannel Payments?

Omnichannel payments provide a unified, consistent payment experience across all of a merchant's sales channels — whether the customer is buying online, in-store, over the phone, or through a field sales representative. The goal is to ensure that the same financing options, credit lines, and payment flexibility are available regardless of how the transaction happens.

Why Omnichannel Matters in B2B

Unlike consumer retail where most purchases happen online, B2B sales happen across many channels. A distributor might take orders via their eCommerce site, through phone-in orders from their sales team, at trade shows, or via in-person visits. If financing is only available on one channel, the merchant misses opportunities to increase order values on all the others.

The Omnichannel Financing Experience

With a true omnichannel financing solution, a buyer who is approved for a line of credit can use it to make a purchase online today, place a phone order next week, and buy in-store the following month — all drawing from the same credit line with the same terms and borrower portal visibility.

Key Takeaways

• Omnichannel payments unify the financing experience across all sales channels
• B2B sales happen online, in-store, by phone, and in the field
• Financing should be available everywhere the merchant sells
• A single credit line across channels simplifies the buyer experience