{"id":75406,"date":"2023-05-17T17:37:46","date_gmt":"2023-05-17T15:37:46","guid":{"rendered":"https:\/\/aton.com\/softpos-il-futuro-dei-pagamenti-nel-mercato-b2b\/"},"modified":"2025-08-18T16:03:41","modified_gmt":"2025-08-18T14:03:41","slug":"softpos-b2b-payments","status":"publish","type":"post","link":"https:\/\/aton.com\/en\/softpos-b2b-payments\/","title":{"rendered":"SoftPOS: shaping the future of B2B payments"},"content":{"rendered":"

SoftPOS: leading the digital payments revolution<\/strong><\/h2>\n

May is Netcomm Forum<\/a> time, one of the largest Italian events dedicated to e-commerce<\/strong><\/a> and digital transformation<\/strong>: this year\u2019s agenda also features a series of events focused on Payment & Fintech.<\/p>\n

Just looking at the list of sponsors is enough to realise how digital payments<\/strong> are becoming ever more prominent: a field in which innovation never stops.<\/p>\n

Every year new services emerge, all designed to make the payment experience as simple as possible<\/strong>, both for the payer and for the payee.<\/p>\n

This sector is also constantly growing: the Innovative Payments Observatory<\/a> of the School of Management at the Politecnico di Milano reports that in Italy, card transactions<\/strong> grew by +33.6%<\/strong> in 2022, reaching a turnover that almost touched \u20ac400 billion (equivalent to 40% of consumption).<\/p>\n

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\"pagamenti-carta-crescita-2022\"<\/p>\n

Beyond transaction volumes, the way we pay is changing: in-store payments made via smartphones and wearable devices grew by +119%<\/strong> compared to the previous year.<\/p>\n

We can also observe how the tools we use daily as consumers in the B2C market are, as a natural consequence, being transferred and adopted in the B2B space.<\/p>\n

From smartphone to POS: transforming the B2B payment experience<\/strong><\/h2>\n

The innovation I am referring to is not limited to the physical means of payment, but also \u2014 and above all \u2014 to the services.<\/strong><\/p>\n

Among the many introduced in recent years, here are a couple particularly useful in the B2B space:<\/strong> \u201cpay-by-bank<\/strong>\u201d and \u201cpay-by-link<\/strong>\u201d services.<\/p>\n

With the first, payment platforms aim to make it easy<\/strong> for the user to pay directly via their bank account<\/strong>, without needing to search for the supplier\u2019s IBAN to make a transfer, but simply by authorising the payment, which already contains the necessary data to identify what the user is paying for.<\/p>\n

\"pay-by-bank-softpos\"<\/p>\n

The pay-by-link<\/strong> service is also designed with user simplicity in mind.<\/p>\n

Here\u2019s how it works: the party requesting the payment logs into a portal,<\/strong> enters the amount and the document reference<\/strong>, and the system generates a link that can be sent to the debtor<\/strong>, even by e-mail. By clicking on the link, the debtor can pay using any method available online<\/strong>: it is enough to select the payment option, authenticate if required, and confirm.<\/p>\n

This is particularly useful in the B2B context, for example when chasing payment of an invoice, as an alternative to cheques, or to avoid having to wait until the end of the month to receive a payment.<\/p>\n

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\"pay-by-link-softpos\"<\/p>\n

What makes these systems particularly interesting is their integration with existing software<\/strong>: this way, the user experience can be made even smoother<\/strong>.<\/p>\n

You might say, \u201cSure, we all know online services can be integrated easily, but what if the user wants to pay by card?\u201d This is where the concept of SoftPOS comes into play!<\/p>\n

What is SoftPOS?<\/strong><\/h2>\n

Contactless cards<\/strong>, also thanks to the acceleration brought about by the pandemic in recent years, are becoming increasingly widespread: last year, contactless payments reached \u20ac186 billion<\/strong>, up +45%<\/strong> compared to 2021.<\/p>\n

This trend, combined with the widespread use of smartphones, is enabling the creation of new services<\/strong>.<\/p>\n

Modern smartphones are equipped with NFC readers\/transmitters<\/strong> and can already function as a card through digital wallets<\/strong>.<\/p>\n

But that\u2019s not all: their ability to read NFC tags<\/strong> also allows them to read contactless cards<\/strong>, which use the same technology.<\/p>\n

By leveraging these capabilities, SoftPOS<\/strong> was born: simply download the app provided by the payment service provider onto your device, and your smartphone is instantly transformed into a POS terminal.<\/strong><\/p>\n

Why SoftPOS is a game changer for B2B payments<\/strong><\/h2>\n

The advantages<\/strong> compared to a traditional POS reader are significant:<\/p>\n