Business buyers increasingly expect the convenience of one-click checkouts and digital wallets, yet B2B payments often involve manual approvals and chasing confirmations. Mike Shafro, CEO and Founder of xpate, shares his thoughts about this gap between consumer expectations and the realities of moving money between businesses.

The focus extends beyond checkout, when suppliers wait for funds and finance teams work across separate accounts, currencies and systems. Mike Shafro connects these delays with their impact on cash flow, supplier relationships and growth.

Drawing on familiar consumer payment experiences, he discusses how real-time settlement, clear account balances and built-in multi-currency management can make receiving and using money more straightforward for businesses operating internationally.