First Successful Loan

Where we are: A macro perspective

Lemonway offers several payment options; most B2B marketplaces settle using wire transfer or Pay by Bank payments because these marketplaces usually deal with large-scale services or sales of goods. Our onboarding team will already have walked you through the Pay-In and Pay-Out setup, but here is a quick recap of the options available to you.

Payment by Wire Transfer

In most B2B scenarios, the seller invoices the buyer once the sale is completed, since purchases are typically made in bulk. By this stage, the buyer has usually already passed KYC checks and provided the required documentation to demonstrate their ability to pay. The invoice then provides clear payment instructions, including accepted payment methods and settlement details.

Payment in a B2B context, in most cases, is settled by wire transfer. Lemonway should have already provided you with our beneficiary details, this includes our IBAN and BIC. It is these instructions that your seller should use to ensure funds are sent to the buyer.

For example:

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Matching code

To ensure the wire transfer is credited to the correct payment account, include a matching code in the transfer description field. In our case the matching code is equal to the seller's wallet ID.

Your merchant starts selling

The merchant is onboarded, their wallet is set up, and they're ready to sell. Because Online Onboarding handles the A-Z so quickly, you can start earning commissions right away.

Why is the Pay-In flow different in most B2B marketplaces?

In many B2B setups, payment is not captured by card at checkout. It usually emails a final receipt PDF directly to the buyer and instructs them to pay within 30 days. The buyer usually pays by wire transfer within the agreed terms.

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Note

The transfer reference (here: Wallet ID: 679988F) is essential to route funds correctly.

Example Invoice that a buyer would typically receive

How does this appear in your Dashboard?

Since you’ve got your SC Wallet from your Lemonway onboarding and the merchant has their Standard Wallet after onboarding, the Technical Wallet handles the heavy lifting in the middle. Think of it as the staging area: the Pay-In is deposited in the technical account first.
From there, the funds are automatically split, the sale goes to the merchant, and your commission lands right in your SC Wallet.

Where does the money go?

Funds from the sale are transferred to your Technical Wallet. Depending on your setup, this can be either:

• one Technical Wallet that collects funds for all merchants, or
• one dedicated Technical Wallet per merchant.

If you manage hundreds of merchants, the first model is usually easier to operate. Once funds reach your Technical Wallet, you can distribute them to your merchants according to your split logic, minus your platform commission.

End to end B2C marketplace payment flows

You can either use the Lemonway Dashboard to perform a P2P to your merchant or our API (P2P endpoint):

POST: https://sandbox-api.lemonway.fr/mb/ENV-NAME/directkitrest/v2/p2p

How does this appear in your Dashboard?

Since you’ve got your SC Wallet from your Lemonway onboarding and the merchant has their Standard Wallet after onboarding, the Technical Wallet handles the heavy lifting in the middle. Think of it as the staging area: the Pay-In is deposited in the technical account first.
From there, the funds are automatically split, the sale goes to the merchant, and your commission lands right in your SC Wallet.