By industry · Financial services
Embedded B2B credit and settlement, built to pass review
Turn net terms into an embedded working-capital product — underwriting, spend mandates, real settlement, and a reconciled ledger — with business verification and sanctions screening, SSO/SCIM, and a Commerce360-managed AI model, behind SOC 2-grade controls and a full audit trail.
The challenge
- KYC/AML and sanctions obligations on every counterparty.
- Lending compliance — a licensing or bank-partner model to originate credit.
- PCI scope on card payments.
- Data governance (GLBA) and model governance for credit decisions.
- Security review that stalls on SSO, isolation, and audit.
How ChatCommerce360 helps
Net terms as embedded credit
Underwritten trade credit with spend mandates and approval chains — the net-terms engine, as a product. Originated with a bank/lender partner.
KYB/KYC & sanctions screening
Business verification and watchlist screening before money moves.
Settlement, reconciliation & PCI
Escrow, clawback, and a reconciled payout ledger; card data stays with the processor (SAQ-A posture).
SOC 2-grade controls & managed AI
SSO/SCIM, per-tenant isolation, an immutable audit trail, and a Commerce360-managed AI model with no additional AI vendor; bring-your-own-model is on the roadmap. (Controls are in place; a SOC 2 report is in progress.)
See it run on your own data
Book a demo and we’ll run the Order Desk against your catalog, terms, and carriers — no rip-and-replace.