--- title: Scrypt Intelligent B2B Payments description: Use payment and treasury analytics to enable smarter payments regardless of payment type--wire, checks, ACH, Same-day ACH and Virtual Credit Card. --- [Skip to content](https://www.scrypt.ai/intelligent-b2b-payments#main-content) [![Logo Monochromatic 03](https://www.scrypt.ai/hs-fs/hubfs/Logo%20Monochromatic%2003.png?width=1370&height=297&name=Logo%20Monochromatic%2003.png) ![Scrypt Wordmark](https://www.scrypt.ai/hs-fs/hubfs/Scrypt%20Wordmark.png?width=2947&height=733&name=Scrypt%20Wordmark.png)](https://www.scrypt.ai?hsLang=en) [Schedule a Live Demo](https://www.scrypt.ai/schedule-a-demo?hsLang=en) - Solutions - [Receivables](https://www.scrypt.ai/integrated-receivables) - [Payables](https://www.scrypt.ai/integrated-payables) - [Payments](https://www.scrypt.ai/intelligent-b2b-payments) - Company - [About](https://www.scrypt.ai/about) - [Partners](https://www.scrypt.ai/partners) - [Newsroom](https://www.scrypt.ai/news) - Resources - [Resource Center](https://www.scrypt.ai/resources) - [Blog](https://www.scrypt.ai/blog) - [Contact Us](https://www.scrypt.ai/contact-us) - Who We Serve - [TV & Film Production](https://www.scrypt.ai/industry-tv-and-film) - [Property Management](https://www.scrypt.ai/industry-property-management) # Earn Additional Savings From Early Payment Discounts, No Late Fees, Optimized Cash Flow Use payment and treasury analytics to enable smarter payments regardless of payment type--wire, checks, ACH, Same-day ACH and Virtual Credit Card. Never pay a late fee again and take advantage of early payment discounts for enhanced cash flow optimization. #### **Scrypt.** **Simply smart.** ## The Scrypt Payment Platform Minimize the risks that come with traditional payment methods. Electronic payments, like [virtual credit cards](https://www.scrypt.ai/virtual-card-payments?hsLang=en), are faster, more efficient, more secure and cost less. Help your supplier to adopt electronic payments as well. Scrypt allows you to process an invoice straight through to payment and automatically reconciles it within your ERP or accounting software. #### All Payments in One Place Stop wasting time printing, signing, stuffing, and mailing paper checks. Outsource all of your payments, regardless of payment type.  #### Supplier Onboarding Our supplier onboarding team will do the work for you helping transition your suppliers to accept ePayments. #### Flexible Workflows and Integrations Get up and running in a matter of days using our flexible workflows and seamless integrations. #### 24/7 Visibility Increased insights into data for quicker analysis and improved cash management. #### Increased Security Bank account information is collected, validated, encrypted, and securely stored. #### White Glove Service Work with our dedicated customer success team to address any questions and handle any supplier issues.   ### How It Works #### Optimize Scrypt analyzes your AP payment flows to identify working capital savings and the best method of payment for your suppliers. #### Deliver Payments and remittance details are sent to suppliers via their preferred payment method. #### Support Scrypt engages with suppliers directly to remove work from your AP team. ![Scrypt Payment Platform](https://www.scrypt.ai/hs-fs/hubfs/Ativo%2029@3x.png?width=1513&height=1125&name=Ativo%2029@3x.png) ## Learn More About Scrypt Virtual Card Payments [![VIEW INFOGRAPHIC](https://no-cache.hubspot.com/cta/default/8553478/92fb0d85-26ec-4bdb-a966-ee2e4db64ce8.png)](https://cta-redirect.hubspot.com/cta/redirect/8553478/92fb0d85-26ec-4bdb-a966-ee2e4db64ce8) ### 10+ Payment Methods For More Intelligent Payment Routing - #### ACH ACH transfers are electronic, bank-to-bank money transfers processed through the Automated Clearing House Network. - #### Wires A wire transfer is a method of transmitting money electronically between people or businesses in which no physical money is exchanged. - #### Physical Checks Physical checks are checks that have been printed and mailed. - #### eChecks eChecks are a digital version of a paper check and are also known as an electronic check, online check, internet check, and direct debit. - #### Virtual Cards A [virtual credit card](https://www.scrypt.ai/virtual-card-payments?hsLang=en) is a temporary credit card number that is designed to protect your actual account number from falling into the wrong hands. - #### Card By Mail This is the same as paying with a physical check, except you can pay your bills by sending your card information via the mail. - #### Card & AR-ERP Integration Make payments directly from your ERP system with integrated payments. - #### International Payments International payments, also known as cross border payments or global payments, are transactions that involve more than just banks. They connect companies, individuals, banks, and settlement institutions operating in at least two different countries with different currencies that need to be paid. - #### Card to Check - #### Early Payment/SCF Early payments, or supply chain finance (SCF), is a form of supplier finance in which suppliers can receive early payment on their invoices. # An Opportunity To Cash In On #### Turn your AP into a profit center with every payment. Who said there’s no easy money?   ## Ready to get started? Join our customers who have already processed thousands of invoices worth over $2B. ##### Corporate Address Corporate Address 1972 Massachusetts Avenue Cambridge, Massachusetts, 02140 ##### About About - [About Scrypt](https://www.scrypt.ai/about) - [Partners](https://www.scrypt.ai/partners) - [Newsroom](https://www.scrypt.ai/news) [![Scrypt Wordmark](https://www.scrypt.ai/hubfs/Scrypt%20Wordmark.png)](https://www.scrypt.ai?hsLang=en) - [Terms and Conditions](https://www.scrypt.ai/terms-and-conditions) © 2026 Scrypt, Inc.