B2B Payment Trends 2026: Statistics for B2B Ecommerce Key takeaways ACH has become the dominant B2B payment method in the US by transaction count, while paper checks continue to decline. Wire transfers represent only a small share of B2B transactions but still carry the overwhelming majority of payment value because they are used for very large transfers. Checks remain widely used by businesses despite their falling transaction share, creating avoidable processing cost and fraud exposure. Trade credit remains fundamental to B2B purchasing, especially in Western Europe, where a large share of sales still takes place on payment terms. B2B checkout should support net terms, purchase orders, credit limits, approvals, invoices, ACH, and cards rather than copying a consumer-style card-only checkout.