Efficiency tools
Deferred payments in ONe
More purchasing options for B2B customers
In B2B sales, the credit limit often determines whether a customer places a larger order straight away or postpones the purchase until later. The problem arises when the purchase requirement exceeds the available limit, and the process begins to require additional arrangements, contact with a sales representative or waiting for a decision.
Deferred payments in ONe help to minimise this problem. Thanks to integration with an external financial provider, B2B customers can use an additional payment method and, following a positive credit decision, also benefit from an additional credit limit to use for future purchases.
For the company, this means fewer barriers in the ordering process, greater flexibility for customers and tangible sales support – both on the B2B platform and in the sales representative’s day-to-day work.
When a customer wants to buy more, but the credit limit prevents the sale
In B2B, the purchasing process rarely ends with a simple click on ‘Place order’. Customers make regular purchases, operate within credit limits, compare product availability and discounts, and often place high-value orders.
The problem arises when the purchase requirement exceeds the available credit limit. This triggers additional arrangements, a credit assessment by the finance department, contact with the sales representative and a wait for a decision. This is the moment when the sale may stall or the customer may switch to a competitor.
Deferred payments in ONe help to mitigate this problem by providing the customer with an additional financing option for their order.
Deferred payment without leaving the purchasing process
Deferred payments in ONe enable B2B customers to finance their orders through an external provider. The customer selects the appropriate payment method when placing an order, and the ONe system forwards the transaction details to the financial partner and receives confirmation of the credit decision.
ONe acts as a technical integrator. This means that the platform manages the order process, statuses and data visibility, whilst credit risk assessment and the financing decision remain the responsibility of the financing partner.
This enables the company to offer its customers a more convenient purchasing model without having to build its own financing process from scratch.
Method available to B2B customers
Select payment method directly in the shopping basket
Transfer of order details to the financing partner
Update of payment status in ONe
Additional credit limit for B2B customers
Following a positive credit decision, a customer may apply for an additional credit limit. Such a limit can supplement the standard trade credit limit and increase the customer’s purchasing capacity without the need to involve a sales representative or the customer service department on a case-by-case basis.
This is particularly important in B2B companies, where basket values can be high, and purchasing decisions often depend on the available limit, payment terms and the ability to finalise an order quickly.
The granted limit can subsequently be used for further purchases on the sales platform, and its current value is visible in the basket.
An additional limit can extend the standard credit limit
The customer can see their available limit whilst shopping
The limit can support subsequent orders
Additional funds for larger purchases, without unnecessary red tape
Sales representative’s dashboard, which supports larger orders
Deferred payments are available not only in the customer’s shopping basket, but also in the sales representative’s dashboard. This allows the sales representative to prepare a quote or order for the customer, select the appropriate payment method, and submit it to the customer for approval and finalisation of the financing.
Information about the customer’s credit limit is also visible to the sales representative. This helps to conduct sales conversations more effectively and respond more quickly to situations where financing may influence the purchasing decision
In practice, online sales and the sales representative’s work operate as a single process, rather than functioning as two separate channels.
The sales representative can create a shopping basket for the customer
The payment method also works in the sales representative’s dashboard
The customer can view orders created by themselves and by the sales representative
Both parties are working from the same overview of the situation
Full visibility of funding status
In B2B, a lack of information about the status of an order quickly creates extra work for sales and customer service teams. That is why, in ONe, the funding status is updated online and visible within the system.
During verification, an order may be given the status ‘awaiting financial decision’, and once a response has been received from the financial partner, it is given the status ‘financing approved’ or ‘financing rejected’.
This means that the customer, the sales representative and the customer service team can see what stage the process is at. There is no need to search for information outside the system or manually check the status of the payment.
Status visible in the customer’s order history
Information available to the sales team
Fewer additional enquiries to customer service
Greater control over the order process
JAK TO DZIAŁA?
A customer or sales representative creates an order
An order can be created on the B2B platform or in the sales representative’s dashboard (transactional CRM).
Deferred payment is selected in the shopping basket
The customer or sales representative selects a payment method available for that shopping basket.
ONe forwards the order details to the partner
The system creates the order and forwards the required details to an external financial partner.
The partner makes a financial decision
Risk assessment and the financial decision are carried out by the financial partner.
The order status is updated in ONe
Once a response has been received from the partner, the financing status is visible in the system.
Following a positive decision, the customer may also apply for an additional credit limit, which they can use for future purchases on the platform.
Did you know that...
ONe is a constantly evolving platform that stays in close contact with its customers. Every month, we organise webinar meetings during which we present new, ongoing and planned projects.
Stay in touch with us and keep up to date with the new features we implement every month.
In selected integrations
Not just orders. More convenient payments and settlements too
In selected integrations, customers can also use deferred payment when settling invoices. After logging into the platform, they can go to their documents, select invoices that meet the financing criteria, and proceed to the partner to complete the process.
This extends the functionality beyond the moment of placing an order and gives the customer additional flexibility in their payments.
For B2B companies, this means the opportunity to streamline not only sales, but also subsequent payment and document processing.
The ability to pay selected invoices directly from the platform
Navigating to the partner directly from a document or list of invoices
Additional flexibility for B2B customers
More convenient post-purchase settlement processing
ONe financial partners
BENEFITS
Key benefits
Higher average basket value
Customers who can access additional financing are more likely to complete larger orders
Fewer interrupted purchases and abandoned baskets
The process does not have to be held up at the stage of credit limits, additional arrangements or waiting for an internal decision.
Greater flexibility and opportunities for B2B customers
Customers gain an additional form of purchase financing and the ability to use their credit limit on subsequent transactions.
Support for sales representatives
Sales representatives can view credit limit information and conduct sales conversations based on up-to-date data.
Consistency between the online channel and the sales representative’s work
The same feature works in the customer’s shopping basket and in the sales representative’s dashboard, ensuring a consistent sales experience.
Transparency throughout the process
ONe displays the status of the financing decision, so the team knows what is happening with the order.
Less manual work
The part of the process that previously often required additional contact now takes place directly on the platform and automatically.
An additional source of financing and risk transfer
The financial decision, risk assessment and financing remain the responsibility of the external financial partner; ONe ensures integration and the smooth flow of information.
Rise above the competition
Discover all the functionalities of ONe, both those ready to be implemented in your company today and those that we will tailor to your business.
WHO IS IT FOR?
For companies looking to remove purchasing barriers in B2B
Deferred payments via ONe are particularly well-suited to companies that sell to their customers on a regular basis, where the average basket value is often high, that operate on trade credit limits and deferred payment terms, and that are expanding their online sales.
High basket values
Regular B2B customers
Sales based on trade credit limits
The need to increase order values
Development of the B2B platform and sales representative dashboard
A desire to reduce manual arrangements in the purchasing process
Would you like to see how deferred payments could work within your B2B sales model?
See how ONe helps B2B customers buy more efficiently and enables sales representatives to close larger orders more quickly
Let’s Work Together
Achieve more, faster with our cutting-edge B2B platform. Streamline your sales processes, boost operational efficiency, and build stronger customer relationships. Get in touch with us today to see how we can help your business grow.
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ONe Company sp. z o.o.
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