Kresus Pay | Deferred Debit B2B Payments — Up to 90 Days

Our solution

A different approach to working capital

Designed for mid-sized companies and corporates

Unmatched speed and flexibility

Instantly optimize liquidity with deferred payments, early settlements, and total flexibility up to 90 days.

All payment types eligible

Invoices, overheads, tax, social expenses — pay anything seamlessly via deferred card-to-account payments.

100% confidential

Transactions occur without any supplier involvement or enrollment and with complete discretion.

Our unique card-to-account service

Our unique card-to-account service transforms virtual cards into powerful deferred-payment instruments, sending payments directly to suppliers' bank accounts.

Card-to-Account service

Deferred payments from cards directly to bank accounts.

Smart Liquidity management

Extend terms up to 90 days or pay early with deferred debit.

Easy Treasury Integration

Fast integration into your ERP and TMS.

Zero Supplier Enrollment

Pay suppliers confidentially. No onboarding required.

Robust security architecture

Automated IBAN checks, AML/CFT constant monitoring.

Top-Tier Financial Partners

Partnered with the best financing institutions worldwide.

Integration

A seamless payment experience

It works with your treasury stack

and many others

Working capital

Cash Flow Revolution.

Deferred Payment Cards

Kresus provides access to a deferred payment card program from top-tier financial partners, built for mid-sized and large enterprises. Kresus generates single-use virtual cards to process payments, minimizing fraud risks while ensuring seamless, secure transactions under your full control with an up-to 90 days settlement. More flexibility, zero compromise.

Top-Tier Card Issuers

We collaborate with leading banks and financial institutions, ensuring best-in-class payment programs and financing solutions. Chances are, you're already banking with them. That makes onboarding with Kresus fast and effortless.

Unmatched Flexibility

Forget rigid financing models. With Kresus, no invoices are required, making it the most flexible cash flow solution on the market.

No restrictions – Every type of payment is eligible as long as you have the beneficiary's bank details.
No spending caps – Scale usage freely, without constraints, up to your max credit limit.
All types of payments eligible – Strategic suppliers, Overheads, Procurement, Social spendings or even Taxes.

Confidentiality

It's Our Secret. Promise.

No contact with your beneficiaries

Kresus is the only solution that lets you finance your payments discreetly, without involving your suppliers. No contracts to sign, no onboarding to make — just seamless liquidity when you need it without external dependencies or administrative hurdles.

They won't notice a thing

Your beneficiaries continue to receive payments exactly as before, from your account, under your name. Kresus operates behind the scenes, ensuring complete discretion. No third-party involvement, no questions asked.

Build stronger supply chain relationships

Whether you're negotiating supplier terms, optimizing cash reserves, or managing working capital strategically, Kresus ensures complete discretion. Your financial decisions remain yours — without signaling to suppliers or the market.

Integration & Safety

Effortless Integration. Absolute Security.

Instant compatibility

You don't need to change how you work. Kresus is fully compatible with your existing TMS and finance tools.

Supports ISO 20022 XML payment files for seamless treasury operations.
Provides real-time Payment Status Reports, keeping your cash forecasts up to date.
Add a new payment method so you can initiate deferred payments straight from your existing systems.

Maximum security level

Your funds remain under your control, backed by bank-grade security. Every payment is processed through a real-time, self-destructing virtual card, eliminating fraud risks. Kresus is fully compliant with ACPR-Banque de France, ensuring the highest standards of compliance and protection. Payments are secured with smart whitelisting and IBAN verification, preventing unauthorized transfers before they happen.

Funds are your property

You own the funds throughout the transaction. No debt transfers, no restructuring required. Full transaction traceability from initiation to final beneficiary thanks to the payment status.

A trusted payment partner

We are compliant with ACPR - Banque de France

Compliant with international regulations, we operate securely to ensure reliable and optimized payments.

Our features

Everything you need, built in

Flexible Payment Initiation

Process payments individually or upload batch files for bulk execution directly from the interface.

Direct Card-to-IBAN Transfers

Send payments directly to beneficiaries' IBANs without involving them.

International Payments

Pay suppliers globally in multiple currencies.

4-Eye Approval

Ensure secure transactions with dual validation and automatic IBAN verification to prevent fraud.

Real-Time Payment Tracking

Monitor transaction statuses instantly for full visibility on fund movements.

Payment Data Reconciliation

Easily generate and export detailed reports for accounting and reconciliation.

Advanced Payment Validation

Assign unlimited validators to approve transactions before execution for full control.

Multi-Bank Compatibility

Centralize multiple credit card programs from different banks in one consolidated account.

With Kresus, we've significantly improved our cash flow management — it's seamless, secure and very discreet. An absolute game-changer.

Guillaume V. — Treasury Director, 3bn€ Agrifood company

FAQ

Frequently asked questions

01Is Kresus compatible with my existing treasury tools?

Yes, Kresus integrates seamlessly with all major TMS and ERP systems, supporting ISO 20022 XML payment files and real-time payment tracking.

02Can I track the status of my payments in real time?

Yes, Kresus provides live payment tracking, allowing you to monitor transaction statuses and ensure smooth cash flow management.

03How does Kresus ensure compliance and fraud prevention?

Payments go through smart whitelisting, IBAN verification, and 4-eye approval, ensuring transactions are secure, controlled, and fully compliant.

04Do suppliers need to sign up or change their processes?

No, Kresus is completely invisible to suppliers. They continue receiving payments from your company as usual, without any changes to their processes.

05Does Kresus work with multiple banking partners?

Absolutely, Kresus supports multi-bank setups, enabling you to centralize and manage multiple credit card programs in one unified platform.

The future of working capital is frictionless.