# Overview {#en_b2bremit_overview}

An article with the introductory information about B2B payments and the general description of working with remittance accounts and remittance payments.

## Purpose {#section_qsp_xzx_dtb .section}

B2B remittances via the Ecommpay payment platform help merchants build strong financial relationships with their trade partners on the basis of the same platform the merchants use for processing payments of their customers.This solution eliminates the need to work with individual payment orders using additional services and banks and, as a whole, simplifies business and technical processes.

**Note:**

B2B payments are currently available in [EUR](references/en/currencies/EUR.md) and [GBP](references/en/currencies/GBP.md). If you have any questions regarding the B2B remittances solution and the specifics of its use, contact your account manager.

## Working with remittance recipient accounts {#section_e4r_b1y_dtb .section}

Payments to corporate accounts require due diligence checks to ensure compliance with the current rules and regulations of different regulatory authorities. In the platform, this is achieved by creating recipient accounts that contain detailed information about the prospective recipients of such payments.

Each new recipient account with the information about the merchant's partner is sent for approval to Ecommpay where payment details and other data are validated and verified. *As a rule, the process of approval takes two business days*.

Once the account has been approved, the merchant can create orders to pay this particular partner without the need to enter the information about the partner every single time.

Remittance recipient accounts can have the following statuses:

-   **Draft** is assigned to saved drafts; the account can be edited.
-   **Created** is assigned to created accounts that have been sent for approval; the account cannot be edited or deleted.
-   **Active** is assigned to accounts that have been approved by Ecommpay.
-   **Denied** is assigned to accounts that have not been approved by Ecommpay.
-   **Expired** is assigned to expired accounts.

These statuses are used for working with recipient accounts both via Dashboard and the Gate API.

## Making B2B payments to partners {#section_c3c_x1y_dtb .section}

In the payment platform, payments to corporate accounts are carried out using the `remittance` payment type that utilises one request to initiate a one-time transfer of funds from the merchant's account to the partner's account.

When the remittance order is created \(both via Dashboard and the Gate API\), a `remittance` request is sent to the platform. Once the platform receives the request, it creates a `payout` operation. In certain cases, the order may require *additional approval* by the Ecommpay specialists, which can take *two or more business days*. The payment is assigned the `awaiting approval` status, and, if the status persists for more than 14 business days, the payment is declined.

The `remittance` payment can have the following statuses:

|`error`|Error occurred when request processing. Payment is not performed.|*Final status. The request can be resent with the same payment identifier.*|
|`processing`|Payment is being processed.|*Intermediate status*|
|`awaiting approval`|Payment processing is suspended until the payment is approved by Ecommpay.|*Intermediate status*|
|`decline`|Payment has not been completed.|*Final status*|
|`success`|Payment has been completed.|*Final status*|

The `payout` operation can have the following statuses:

|`processing`|Operation is being processed.|*Intermediate status*|
|`awaiting approval`|Operation processing is suspended until the payment is approved by Ecommpay.|*Intermediate status*|
|`decline`|Operation has not been completed.|*Final status*|
|`success`|Operation has been completed.|*Final status*|

**Parent topic:**[B2B Remittances](en_b2bremit_about.md)