Scenario: A high-tech B2B e-commerce platform aims to offer its customers flexible payment terms by enabling them to defer invoice payments by 30, 60, or 90 days, without disrupting the checkout experience or revealing its financing partner.
Challenge
- The platform wanted to determine if offering deferred payments could significantly increase order volume.
- Maintaining the existing checkout process was critical—no visible third-party involvement could disrupt customer trust.
- Any financing solution had to remain completely behind-the-scenes.
- Testing deferred payments needed to be risk-free in terms of cash flow impact.
Solution
1. Seamless Integration
- Tupel integrated invisibly into the existing checkout, offering customers a straightforward choice at the final step: pay now or defer invoice payments by 30, 60, or 90 days.
2. Daily Invoice Funding
- Each day, invoices were automatically aggregated on the Tupel dashboard.
- The platform requested a single, consolidated wire transfer directly into its business account, ensuring immediate cash availability.
3. Automated and Invisible Repayment
- Customer repayments were seamlessly collected via direct debit on the invoice due dates, with Tupel's role remaining entirely invisible to end customers.
4. Controlled Pilot Evaluation
- Over a 6-month period, the company closely monitored customer uptake, sales volume, and cash flow metrics.
- This pilot ran effortlessly, requiring minimal manual oversight beyond daily funding requests.
Results
- The platform experienced a substantial 30% increase in sales volume, clearly validating strong customer demand for flexible payment terms.
- Immediate invoice funding from Tupel ensured zero negative impact on the company's cash flow.
- Tupel’s financing costs were transparently passed through to customers, making the entire financing solution effectively cost-neutral.
Full Automation via Tupel API
Following the successful pilot:
- The platform transitioned to a fully automated API integration, streamlining the entire financing process—from invoice aggregation to repayments.
- Deferred payment approvals and funding became instantaneous, significantly reducing administrative effort.
- Invoice reconciliation, funding requests, and repayments all happen seamlessly and automatically.
Business Impact
- Automation with Tupel API enabled the platform to scale rapidly and sustainably.
- Maintaining robust liquidity allowed for handling larger transaction volumes without additional operational complexity.
- Customers benefited from an enhanced experience, receiving greater payment flexibility without disruption, fueling continued growth and loyalty.