EMBEDDED B2B PAYMENTS · RAINDROP SYSTEMS
ONE WORKFLOW,
EVERY PAYMENT
The embedded B2B payments platform inside your AP workflow.
Most payment tools live outside your AP workflow. You approve an invoice in one system, then jump to a separate payment portal to actually send the money, and reconcile the two by hand. RainPay closes that gap. It’s an embedded B2B payments platform built into the Raindrop Systems suite, not a standalone processor you bolt on after the fact. It reaches 200+ countries and 140+ currencies through the TransferMate network, backed by 100+ regulatory licenses, while you keep the banking relationships you already have.
Embedded Payments by the Numbers
What "Embedded" Actually Means for Your AP Workflow
“Embedded” gets used loosely across the payments category, so it’s worth being precise. Point payment solutions and closed-loop payment networks treat payments as the whole product: you connect your AP data to their system, then work inside their interface to release funds. That’s a second system of record, a second login, and a second place things can go wrong.
RainPay works differently because it isn’t a separate product bolted onto your AP Automation workflow. It lives inside it. Approval routing, invoice matching, and payment release happen in the same place, with the same data, under the same controls. A finance team member approving an invoice never has to leave the workflow to trigger the payment. The invoice becomes the payment, once it clears approval. That’s AP-to-pay automation done as one motion rather than two disconnected ones, and it’s the difference between an embedded B2B payments platform and a payment portal you happen to have connected.
Six Capabilities That Make Payments Part of the Workflow
Invoice-to-Pay Automation
Once an invoice clears approval, RainPay routes it straight to payment execution, no manual handoff and no re-keying data into a separate system. Configurable approval routing means the right people sign off before funds move, and clean ERP reconciliation means every payment ties back to its source invoice automatically. Procurement and finance teams get faster invoice-to-pay cycles and real-time cash visibility out of this. Suppliers get paid accurately and on time, without anyone chasing down exceptions after the fact.
Global Payment Rails
RainPay supports ACH, Same Day ACH, domestic wire, and international SWIFT, the last of which runs through the TransferMate partnership that put global payment capabilities directly inside Raindrop Systems’ Source-to-Pay workflows. TransferMate is a regulated, licensed payment infrastructure provider. It’s the rail RainPay runs on, not a Raindrop Systems product. You get global rail access, and RainPay’s global payment orchestration picks the right rail automatically based on destination and currency.
Fraud Mitigation & Controls
Every payment moves through configurable approval workflows before funds are released, and real-time beneficiary verification checks that the payment is actually going where it’s supposed to. Role-based access and segregation of duties mean no single person can both approve and release a payment alone. Rain, the AI agent embedded across the Raindrop Systems platform, adds another layer here: it flags duplicate or suspicious invoices and mismatched beneficiary data before a payment ever moves, and it can surface early-payment discount windows. Legal and compliance teams end up with audit-ready payment trails on regulated infrastructure.
Multi-Currency & FX Visibility
Virtual accounts in 30+ currencies mean a payment can settle in the currency your supplier actually invoices in, not a currency you have to convert around. Live FX rates pull directly from your ERP, so the rate a treasury lead sees matches the rate the payment actually executes at. Real-time exposure tracking gives treasury teams centralized visibility into cash position and FX exposure across every currency they hold.
Bank-Agnostic Connectivity
RainPay works alongside your existing banking relationships without disruption. It connects through full API and ERP integration, and there’s no rip-and-replace of the banking infrastructure you already have in place. RainPay is powered by regulated, licensed payment infrastructure from TransferMate, embedded natively in the Raindrop Systems workflow. Raindrop Systems itself is not a bank or a money transmitter. An IT or security team gets bank-agnostic, API-first integration without a new attack surface.
Compliance & Security
RainPay meets SOC 1 Type 2, SOC 2 Type 2, PCI DSS, and GDPR standards, and it’s backed by 100+ regulatory licenses through the TransferMate network. Legal, compliance, and IT/security teams get one answer instead of five separate vendor security reviews. Full detail on how Raindrop Systems approaches security and compliance across the whole platform lives on its own page.
How RainPay Works
The mechanics stay simple on purpose. Four steps, one continuous workflow.
Connect
RainPay connects to your ERP, banking, and supplier data that’s already on file, the same way Raindrop Systems integrates across the rest of the platform. There’s no separate onboarding process and no duplicate data entry.
Approve
Invoices route through configurable approval workflows tied directly to AP Automation. The same rules and hierarchies that govern invoice approval govern payment release.
Pay
Approved payments execute across 200+ countries using the global rails described above: ACH, Same Day ACH, domestic wire, or international SWIFT via TransferMate.
Reconcile
Payments auto-match back to their source invoices and feed directly into your ERP. That closes the loop between payment execution and the E-Invoicing side of the workflow, so reconciliation isn’t a separate manual project at month-end.
Proof: What Embedding Payments Actually Changes
The numbers matter more than the framing, so here’s what customers actually report. The TransferMate network that powers RainPay processes $70B annually across 200+ countries and 140+ currencies, and that reach only matters if it changes outcomes for the finance teams using it.
A global premium travel company saw roughly 90% lower payment processing costs and payment cycles running about 75% faster after moving onto RainPay, with cross-border B2B payments now executing across 100+ countries from a single workflow. Speed to value showed up fast for Midwest Vision Partners, too. “This is the fastest AP implementation I’ve ever seen, we were live in less than 3 months,” said the company’s AP Manager, describing the full run from kickoff to first live payment.
The proof doesn’t stop at the payment step, either. A global medical device manufacturer cut invoice cycle time by 76%, from 30 days down to roughly a week, with 56% of invoices now processed touchless before a payment is ever triggered, the same touchless-versus-autonomous distinction that separates payables automation from payables that still need a human in the loop. The AP automation gain upstream is what makes the payment execution gain downstream possible: you can’t pay fast if the invoice sat in someone’s queue for three weeks first. For executives, the net result is real-time visibility into cash flow, FX exposure, and spend, in one place instead of stitched together from three systems.
Why RainPay (vs. Point Payment Solutions)
Two things set RainPay apart as an embedded B2B payments platform rather than a standalone payments product, and a third thing we want to be precise about.
First, RainPay is the last mile of Source-to-Pay, not a freestanding fintech tool you connect to your finance stack after the fact. Point payment solutions and closed-loop payment networks ask you to adopt a new system of record for the payment step alone. RainPay doesn’t introduce a new system. It finishes the one you’re already running, from a sourcing decision through contract through invoice through payment.
Second, RainPay is bank-agnostic by design. You keep the banking relationships you already have. There’s no closed-loop network forcing your suppliers onto a proprietary payment method, and no pressure to move your treasury operations onto a new banking relationship just to use the product.
Third, precision on who actually moves the money. TransferMate holds the licenses and regulatory standing; Raindrop Systems builds the workflow on top of that infrastructure and is not a bank or money transmitter itself. We think that clarity is a trust signal, not a disclaimer. A finance team evaluating this category should know exactly which entity is regulated and licensed to move their money, and we’d rather state that plainly than leave it vague. See how RainPay fits alongside the rest of what Raindrop Systems offers finance teams across the full S2P workflow.
Settlement Times by Payment Method
How long does a payment actually take once it’s approved? Here’s the answer, by method.
See these settlement times running against your own invoice volume. Request a demo and we’ll map RainPay to your current AP workflow.
FAQ
RainPay supports ACH/EFT, Same Day ACH, domestic wire, international SWIFT, checks, and push payments, giving finance teams one workflow that covers nearly every payment method a supplier might require.
RainPay reaches 200+ countries and 140+ currencies through the TransferMate network, backed by 100+ regulatory licenses across those jurisdictions.
Yes. Virtual accounts cover 30+ currencies, and FX rates pull live from your ERP so treasury sees the same rate the payment executes at, with real-time exposure tracking across every currency held.
It depends on the rail. See the settlement times table above: ACH/EFT runs 1-3 business days, domestic wire settles same-day or next-business-day, and international SWIFT via TransferMate takes 2-5 business days.
SOC 1 Type 2, SOC 2 Type 2, PCI DSS, and GDPR, all in one place. That matters because a payments vendor and an ERP vendor usually mean two separate security reviews for your IT and legal teams. RainPay collapses that into one, since the certifications cover the same infrastructure your invoices already run on.
Yes, and that's a deliberate choice, not a gap. You don't switch banks or migrate treasury operations to adopt RainPay; it plugs into what you already run through API and ERP integration. The regulated infrastructure underneath belongs to TransferMate, not Raindrop Systems, so you always know which entity is licensed to move your money.
Configurable approval workflows, real-time beneficiary verification, role-based access, and segregation of duties all work together before a payment releases. Rain, the platform's AI agent, adds a further check by flagging duplicate or suspicious invoices and mismatched beneficiary data before funds move, and by surfacing early-payment discount windows worth acting on.
RainPay is the payment execution step of the same workflow that starts with E-Invoicing and AP Automation. An invoice arrives, gets matched and approved, and RainPay executes the payment, all inside one connected system rather than three separate tools you stitch together yourself.
See RainPay in Your Workflow
See what an embedded B2B payments platform looks like inside your own AP process. Request a demo and we’ll walk through your current workflow with you.