Discover how Bluechain is transforming the B2B payment experience through control, flexibility, and security. Learn how it helps businesses save time, improve cash flow, and scale faster.

A Smarter Way to Handle Business Payment

In the rapidly evolving landscape of financial technology, businesses are demanding smarter, more efficient ways to manage cash flow. Bluechain is revolutionizing the B2B payment experience by offering a unified platform and network that seamlessly handles invoicing, payments, and reconciliation. Designed to enhance control, flexibility, and security, Bluechain is the answer for businesses looking to streamline financial operations and focus on growth.

The Problem with Traditional Payment Systems

Despite advancements in digital finance, many businesses still struggle with outdated, inefficient payment systems. These challenges include:

• Time-consuming invoice processing
• Time spent chasing up invoices and overdue payments
• Manual reconciliation
• Multiple different systems
• High costs
• Risk of fraud
• Poor visibility of cashflow
  

Tim Annis, the co-founder of Bluechain, having worked in the payments industry for more than two decades, has seen firsthand the issues that businesses face both in making and receiving payments. The manual time and effort required, the costly processes, and the knock-on effects on cash flow and operations are significant. Tim has developed a deep affinity for the people in finance teams, those who are often caught in the middle, trying to keep processes running smoothly amid inefficiencies and risks.

Many of these professionals deal daily with complex workflows, mismatched records, and constant pressure to reduce costs and errors. Traditional systems not only fail to support them—they often add more layers of complexity. These burdensome processes take time away from strategic initiatives and prevent businesses from scaling efficiently. These issues impact every business across the chain from micro to enterprise.

Bluechain addresses these pain points head-on by offering an all-in-one platform that integrates with existing tools and transforms how businesses manage their finances.

A Vision Built on Experience

With over two decades in the payments industry, Bluechain’s co-founder brings firsthand knowledge of the complexities in making and receiving payments. This deep-rooted understanding has been instrumental in designing a solution tailored to business needs. From SMBs to mid-sized enterprises, Bluechain empowers users to regain control over their payment workflows.

Key Milestones and Rapid Growth

Bluechain’s growth trajectory is nothing short of impressive. As of April 2025:

• £6.2M volume processed in April, a 235% YoY increase
• £144K in platform revenue, also up 234% YoY
• 2,544 active users, marking a 449% increase YoY
• Signed a Visa referral agreement in May, to provide solutions for multiple opportunities
• Launching the Bluechain VISA Card in July with Pliant.

These achievements underscore Bluechain’s market readiness and its strategic momentum leading into a Series A funding round in Q4.

Giving the weekend
back to the business owner

In 2022, Bluechain solidified its industry credibility by winning an RFP to partner with American Express. The collaboration aimed to deliver a flexible payables solution to SMBs and mid-market businesses, combining Bluechain’s innovative platform with American Express’ financial ecosystem.

How it Works:

Streamlined Invoice Management

Managing invoices can be tedious and error-prone. Bluechain simplifies the entire process with an intuitive interface:

Add Invoices Effortlessly

• Sync with accounting tools like Xero, and Sage
• Upload directly via Web or App
• Supplier bank details are confirmed – protecting from fraud

Payment Flexibility

• Use any VISA/Mastercard credit or debit card
• Choose between full or partial payments
• Schedule payments to optimize cash flow
  

Automatic Reconciliation

• Payments are automatically tracked and reconciled back to your connecting accounting package
• Spend less time on admin and more on growing your business
  

Boosting Cash Flow with Credit Card Payments

With Bluechain, businesses can improve liquidity by paying invoices with credit cards even when the supplier doesn’t take card. This not only enhances cash flow but also unlocks valuable rewards. Companies can buy stock at the best price, defer payments without incurring late fees and maintain healthy financial cycles.

Avoid Late Fees and Missed Payments

Bluechain’s scheduling capabilities ensure invoices are paid on time. Whether you choose to pay immediately or on a scheduled date, Bluechain ensures timely payments, eliminating costly delays.

Seamless Software Integration

One of Bluechain’s standout features is its compatibility with popular accounting software. By pulling invoices directly into the platform and reconciling payments automatically, it saves businesses considerable time and effort.

Enhanced Security Framework

Bluechain takes security seriously. Unlike traditional systems, payment data is never in transit, significantly reducing the risk of fraud. Key security features include:

• Payment data never in transit
• Fraud-resistant infrastructure
• Supplier bank details checked to prevent fraud before settlement
• Reduced manual input, minimizing errors
• Enhanced invoice visibility
• Verified ‘Request to Pay’ feature for secure payments
  

User-Centric Design

Bluechain is designed with usability in mind. Its clean interface and guided workflows make it easy for businesses to adopt and scale their financial operations with minimal learning curve.

Using Bluechain for Invoices

1. Add Invoices: Sync or upload your invoices.
   
2. Choose Payment Method: Use any card, select full or part payment.
   
3. Set Payment Date: Pay immediately, on the due date, or schedule it.
   
4. Automated Processing: Bluechain processes the payment and reconciles it in your accounting software.

Using Bluechain to get payment

1. Send Your Bill: Send your bill directly to your customer via email, SMS, or the Bluechain app.
2. Client Chooses Payment Option: They can choose to pay immediately, on the due date, or schedule a date that suits; using any payment method (including credit card). If there’s a query or complaint, they can raise it right away.
3. See Bill Status: You get notified of your customer’s intent to pay in real time as they accept, schedule, or reject bills.
4. Automated Reconciliation: We collect the payment from your customer on the scheduled date and automatically reconcile the transaction to the invoice in your accounting platform.

Importantly, you now have the ability to control where the cost sits based on the benefit. No more getting paid on time and paying card fees for the privilege.

Business Impact: Time, Money, and Peace of Mind

Bluechain’s comprehensive platform reduces the manual workload, cuts down on human errors, and ensures smoother operations. By offering flexibility in payments and automating backend processes, it allows businesses to focus on what truly matters—growth and customer satisfaction.

Roadmap and Future Plans

Bluechain is not slowing down. Right now (June 2025), Bluechain have been working closely with VISA on the world of B2B payments and are launching a Bluechain Visa Card in July with Pliant. With a new VISA card launch and a growing user base, the platform is on track to becoming the backbone of B2B payments infrastructure.. The upcoming Series A funding will accelerate product enhancements and global expansion.

Conclusion: The Future of Business Payments 

Bluechain stands out as a game-changer in the B2B payments landscape. By combining a real time connected network, robust features, seamless integration, and top-notch security, it empowers businesses to take control of their finances. Whether you’re a small business or a growing enterprise, Bluechain offers the tools you need to thrive.

Feel free to reach out to
Tim Annis – Co-Founder of Bluechain

tim.annis@bluechain.com

FAQs

• What is Bluechain?
  Bluechain is a payments platform designed to streamline invoice
  management and improve cash flow for businesses.
• How does Bluechain integrate with accounting software?
  Bluechain syncs with tools like Xero, and Sage to pull invoices and reconcile payments automatically.
• Can I use my credit card to pay invoices?
  Yes, Bluechain allows you to use any credit or debit card, enabling you to earn rewards and manage cash flow better.
• Is Bluechain secure?
  Absolutely. Bluechain ensures payment data is never in transit,
  minimizing the risk of fraud and enhancing overall security.
• What industries can benefit from Bluechain?
  Bluechain is ideal for SMBs and mid-sized enterprises across various sectors, especially those looking to reduce admin and enhance financial control.