New research from global B2B payments and invoicing network TreviPay has highlighted significant changes taking place across the international payments landscape, with businesses increasingly turning to AI-driven solutions and invoice-based payment systems to improve efficiency and strengthen supplier relationships.
The findings were shared during an industry event attended by EU Reporter, where TreviPay outlined several key trends shaping the future of business-to-business commerce across Europe and beyond.
Among the most notable developments is the growing adoption of artificial intelligence in payment processing and credit management. Companies are increasingly using AI-powered tools to automate approvals, detect fraud, improve cash-flow forecasting and streamline the wider order-to-cash cycle.
The research also points to mounting payment bottlenecks that are beginning to impact supplier loyalty. Delayed payments, complex cross-border processes and inefficient reconciliation systems are placing additional pressure on commercial relationships at a time when many businesses are already navigating economic uncertainty and changing trade conditions.
Invoice-based payments continue to gain momentum, particularly in the B2B retail and wholesale sectors, where buyers are seeking greater flexibility and improved working capital management. According to TreviPay, businesses increasingly view invoicing options as an important competitive differentiator that can help strengthen customer retention and drive repeat business.
The company says organisations are also placing greater emphasis on managing the entire order-to-cash cycle more effectively, especially as geopolitical tensions and global trade uncertainty continue to affect international supply chains and financing conditions.
TreviPay has emerged as a major player in the growing B2B invoicing market through its partnership with Walmart, the world’s largest retailer. The collaboration powers Walmart’s “Pay by Invoice” programme, enabling eligible business customers to access flexible payment options while helping suppliers receive faster and more reliable payments.
Industry observers say the continued expansion of invoice-based commerce reflects a wider transformation in global B2B payments, where businesses are increasingly prioritising flexibility, automation and financial resilience.
TreviPay’s Vice President for EMEA, Inez Berkhof Hollander, said businesses across Europe are re-evaluating how payments fit into broader commercial strategies as economic pressures continue to evolve.
The research underscores how payment innovation is becoming central to competitiveness in international trade, particularly for companies operating across multiple markets and currencies.
As European businesses continue adapting to digital transformation and changing trade dynamics, analysts expect demand for integrated B2B payment solutions to continue rising throughout 2026 and beyond.
