Why Your Buyers Keep Re-Entering Payment Details (and How to Stop It)

Picture this: your customer opens their vendor portal to pay three invoices. Each invoice belongs to a different department. The engineering team uses a corporate card. Operations prefers ACH from a specific account. And the project-based work? That gets billed to yet another card tied to a client budget.

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Under the old system, they'd need to delete their saved payment method, add a new one, complete the payment, then repeat the entire process twice more. It's the kind of friction that makes finance teams quietly dread month-end.

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The Hidden Cost of "Good Enough" Payment Portals

The average cart abandonment rate across ecommerce sits at 70.22%, calculated from 50 different studies. Baymard While B2B portals aren't shopping carts in the traditional sense, the psychology is identical. Payment flexibility is one of the top requirements for B2B buyers, with about 50% favoring payment choices other than credit cards, such as net-terms or ACH payments. Resolve

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Here's where it gets interesting for accounts receivable teams: 72% of B2B buyers are more loyal to suppliers that offer their preferred payment methods. Digital Journal That's not brand affinity talking. That's operational convenience driving vendor selection.

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When your customer portal forces buyers to manage a single payment method at a time, you're essentially asking them to work around your system's limitations. They'll do it, grudgingly, until a competitor makes their lives easier.

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What Actually Changed in Centime's R90 Release

The December 2025 release addresses this friction head-on with two connected improvements to the customer payment portal.

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Multiple saved payment methods are now supported. Buyers can store multiple credit cards and bank accounts simultaneously, then choose the appropriate one at checkout. No more delete-and-recreate cycles. The engineering team's card, the operations ACH account, and the project-specific payment method all coexist in the same portal.

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Adding new methods is straightforward: navigate to Settings > Payment Settings, then select either "Add an ACH account" or "Add a Credit Card." All saved options appear in a dropdown during payment, letting buyers switch between methods on the fly.

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Smart defaults reduce decision fatigue. The system now remembers and pre-selects the last payment method used. Centime also removed the "Payment Method" column from the Unpaid tab entirely, simplifying the interface. Buyers who consistently use the same method never need to think about it. Those who switch between methods get a clean dropdown showing all their saved options without visual clutter.

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This matters because 18% of US online shoppers have abandoned an order due to a "too long / complicated checkout process." Baymard Removing even small points of friction compounds over hundreds of transactions.

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Real-World Applications

Consider a construction company managing multiple job sites. Each site has its own budget and payment source. The project manager responsible for paying vendor invoices might need to:

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Pay Site A invoices from the corporate Visa
Pay Site B invoices via ACH from a project-specific bank account
Pay Site C invoices from a client-funded card

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Previously, this required three separate sessions of payment method management. Now it's a dropdown selection during checkout.

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Or think about a purchasing department where different team members handle different vendor relationships, but they all access the same customer portal. The marketing coordinator pays creative agency invoices from one card. The IT manager pays software subscriptions from another. Each person can save their preferred method without affecting anyone else's workflow.

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The Autopay Consideration

One deliberate design choice: autopay setup still requires explicit payment method selection. This prevents the "wrong card got charged" problem that plagues automated billing systems. The convenience of smart defaults applies to manual payments; recurring obligations get the extra confirmation step they deserve.

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Why This Matters for Cash Flow

86% of B2B buyers are willing to pay more for a better experience. Digital Journal More importantly for AR teams, buyers who find payment easy tend to pay faster. Every unnecessary step in your payment portal is a potential delay, a moment where someone decides to "finish this later" and lets invoices age.

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ACH payments represent almost half (47.9%) of B2B transaction value in 2024, eMarketer yet many customer portals still treat card payments as the primary option. Supporting both methods equally, with the flexibility for buyers to save multiple accounts of each type, aligns your portal with how businesses actually move money.

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Getting Started

For existing Centime users, the multi-payment functionality is available now. Buyers can add payment methods under Settings > Payment Settings, and the payment selection dropdown appears automatically during checkout.

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View the full R90 release notes for additional details on this and other December 2025 updates. Not a Centime customer yet? Book a demo today.

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**Deposit placement through ICS is subject to the terms, conditions, and disclosures in the applicable agreements. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA (e.g., before settlement for deposits or after settlement for withdrawals) or be uninsured (if the placing institution is not an insured bank). The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through ICS satisfies any restrictions on its deposits. A list identifying IntraFi network banks appears at https://www.intrafi.com/network-banks. The depositor may exclude banks from eligibility to receive its funds. IntraFi and ICS are registered service marks, and IntraFi Cash Service is a service mark, of IntraFi Network LLC.

^††2.25% Annual Percentage Yield (APY) as of 12/23/25. Deposit rate may adjust to current market rate and may change daily. Fees may reduce earnings.

*Centime is not a bank and is not authorized by any federal or state agency to engage directly in core banking activities.
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*All banking products and services available through Centime are provided by FNBO and are governed by the applicable agreements and related disclosures provided to you by FNBO. Member FDIC.
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‍*While Centime facilitates traditional banking activities (such as the acceptance of deposits or extensions of credit), these services are actually provided by our banking partner, FNBO.
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*Centime may provide support services to FNBO, as permitted by applicable law, to facilitate the delivery of its bank products and services.

**Deposit placement through ICS is subject to the terms, conditions, and disclosures in the applicable agreements. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA (e.g., before settlement for deposits or after settlement for withdrawals) or be uninsured (if the placing institution is not an insured bank). The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through ICS satisfies any restrictions on its deposits. A list identifying IntraFi network bank

Why Your Buyers Keep Re-Entering Payment Details (and How to Stop It)

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