{"id":5279,"date":"2025-06-30T10:36:25","date_gmt":"2025-06-30T10:36:25","guid":{"rendered":"https:\/\/buvei.com\/blog\/?p=5279"},"modified":"2025-06-30T12:35:19","modified_gmt":"2025-06-30T12:35:19","slug":"b2b-payment-alibaba-balance-sme-financing-3","status":"publish","type":"post","link":"https:\/\/buvei.com\/blog\/pt\/b2b-payment-alibaba-balance-sme-financing-3\/","title":{"rendered":"Como as fintechs B2B est\u00e3o impulsionando o com\u00e9rcio das PMEs na era Alibaba"},"content":{"rendered":"<p data-start=\"518\" data-end=\"759\">Em junho de 2025, a plataforma de pagamentos B2B <strong data-start=\"567\" data-end=\"578\">Balance<\/strong> anunciou uma parceria estrat\u00e9gica com o <a href=\"https:\/\/www.alibaba.com\/\"><strong data-start=\"619\" data-end=\"630\">Alibaba<\/strong><\/a>, oferecendo a pequenas e m\u00e9dias empresas (PMEs) dos EUA a op\u00e7\u00e3o de <strong data-start=\"698\" data-end=\"727\">Buy Now, Pay Later (<a href=\"https:\/\/buvei.com\/blog\/bnpl-global-payments-cover\/\">BNPL<\/a>)<\/strong> em suas compras internacionais.<\/p>\n<p data-start=\"761\" data-end=\"992\">Mais do que um simples parcelamento, essa iniciativa reflete uma mudan\u00e7a estrutural: <strong data-start=\"846\" data-end=\"892\">a digitaliza\u00e7\u00e3o do financiamento comercial<\/strong>, especialmente voltada a PMEs que historicamente enfrentam barreiras no acesso ao cr\u00e9dito banc\u00e1rio.<\/p>\n<h3 data-start=\"994\" data-end=\"1042\">O verdadeiro desafio: fluxo de caixa das PMEs<\/h3>\n<p data-start=\"1044\" data-end=\"1296\">Muitas PMEs que utilizam o Alibaba.com enfrentam dificuldades com <strong data-start=\"1110\" data-end=\"1169\">pagamentos antecipados a fornecedores, varia\u00e7\u00e3o cambial<\/strong> e prazos longos de produ\u00e7\u00e3o. Por serem consideradas de maior risco, os bancos tradicionais costumam negligenciar esse p\u00fablico.<\/p>\n<p data-start=\"1298\" data-end=\"1477\">A Balance resolve esse problema ao integrar <strong data-start=\"1342\" data-end=\"1395\">condi\u00e7\u00f5es de pagamento flex\u00edveis (Net-30, Net-60)<\/strong> diretamente no checkout, com cr\u00e9dito embutido e avalia\u00e7\u00e3o de risco em tempo real.<\/p>\n<p data-start=\"1298\" data-end=\"1477\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-5280 size-large\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/How-B2B-Fintechs-Are-Empowering-SME-Trade-in-the-Alibaba-Era-3-1024x579.jpg\" alt=\"\" width=\"1024\" height=\"579\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/How-B2B-Fintechs-Are-Empowering-SME-Trade-in-the-Alibaba-Era-3-1024x579.jpg 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/How-B2B-Fintechs-Are-Empowering-SME-Trade-in-the-Alibaba-Era-3-300x170.jpg 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/How-B2B-Fintechs-Are-Empowering-SME-Trade-in-the-Alibaba-Era-3-768x434.jpg 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/How-B2B-Fintechs-Are-Empowering-SME-Trade-in-the-Alibaba-Era-3-400x226.jpg 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/How-B2B-Fintechs-Are-Empowering-SME-Trade-in-the-Alibaba-Era-3-800x452.jpg 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/How-B2B-Fintechs-Are-Empowering-SME-Trade-in-the-Alibaba-Era-3-832x470.jpg 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/How-B2B-Fintechs-Are-Empowering-SME-Trade-in-the-Alibaba-Era-3-1248x705.jpg 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/How-B2B-Fintechs-Are-Empowering-SME-Trade-in-the-Alibaba-Era-3.jpg 1472w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<h3 data-start=\"1479\" data-end=\"1518\">O impacto nos pagamentos B2B globais<\/h3>\n<p data-start=\"1520\" data-end=\"1653\">Esse modelo se alinha \u00e0 vis\u00e3o da <strong data-start=\"1553\" data-end=\"1583\"><a class=\"\" href=\"https:\/\/buvei.com\" target=\"_new\" rel=\"noopener\" data-start=\"1555\" data-end=\"1581\">Buvei<\/a><\/strong>: tornar os pagamentos B2B mais acess\u00edveis e inteligentes por meio de:<\/p>\n<ul data-start=\"1655\" data-end=\"1828\">\n<li data-start=\"1655\" data-end=\"1690\">\n<p data-start=\"1657\" data-end=\"1690\">Avalia\u00e7\u00e3o de risco automatizada<\/p>\n<\/li>\n<li data-start=\"1691\" data-end=\"1751\">\n<p data-start=\"1693\" data-end=\"1751\">Emiss\u00e3o instant\u00e2nea de <strong data-start=\"1716\" data-end=\"1749\">cart\u00f5es virtuais empresariais<\/strong><\/p>\n<\/li>\n<li data-start=\"1752\" data-end=\"1788\">\n<p data-start=\"1754\" data-end=\"1788\">Ferramentas de c\u00e2mbio integradas<\/p>\n<\/li>\n<li data-start=\"1789\" data-end=\"1828\">\n<p data-start=\"1791\" data-end=\"1828\">Orquestra\u00e7\u00e3o inteligente de faturas<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1830\" data-end=\"2002\">\u00c0 medida que o BNPL se consolida no B2B, fun\u00e7\u00f5es como <strong data-start=\"1884\" data-end=\"1922\">cart\u00f5es bloqueados por comerciante<\/strong> e <strong data-start=\"1925\" data-end=\"1952\">pagamentos program\u00e1veis<\/strong> deixam de ser extras \u2014 e passam a ser essenciais.<\/p>\n<h4 data-start=\"2004\" data-end=\"2059\">\ud83e\uddfe A infraestrutura de pagamentos virtuais da Buvei<\/h4>\n<p data-start=\"2061\" data-end=\"2085\">Com a Buvei, PMEs podem:<\/p>\n<ul data-start=\"2087\" data-end=\"2317\">\n<li data-start=\"2087\" data-end=\"2140\">\n<p data-start=\"2089\" data-end=\"2140\">Automatizar pagamentos recorrentes a fornecedores<\/p>\n<\/li>\n<li data-start=\"2141\" data-end=\"2202\">\n<p data-start=\"2143\" data-end=\"2202\">Emitir cart\u00f5es virtuais com limite de uso por comerciante<\/p>\n<\/li>\n<li data-start=\"2203\" data-end=\"2257\">\n<p data-start=\"2205\" data-end=\"2257\">Centralizar o controle e a concilia\u00e7\u00e3o de despesas<\/p>\n<\/li>\n<li data-start=\"2258\" data-end=\"2317\">\n<p data-start=\"2260\" data-end=\"2317\">Controlar limites e ciclos de uso em um \u00fanico dashboard<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2319\" data-end=\"2395\">Tudo isso com seguran\u00e7a, escalabilidade e integra\u00e7\u00e3o com carteiras digitais.<\/p>\n<h3 data-start=\"2397\" data-end=\"2438\">O futuro dos pagamentos B2B j\u00e1 come\u00e7ou<\/h3>\n<p data-start=\"2440\" data-end=\"2650\">\u00c0 medida que os marketplaces como o Alibaba evoluem, a infraestrutura de pagamentos tamb\u00e9m precisa acompanhar. A parceria entre Balance e Alibaba sinaliza uma nova fase do B2B \u2014 mais flex\u00edvel, digital e global.<\/p>\n<p data-start=\"2652\" data-end=\"2853\">Plataformas de orquestra\u00e7\u00e3o financeira como a <strong data-start=\"2698\" data-end=\"2707\">Buvei<\/strong> est\u00e3o posicionadas para liderar esse movimento, oferecendo <strong data-start=\"2767\" data-end=\"2829\">solu\u00e7\u00f5es de pagamento seguras, adapt\u00e1veis e interoper\u00e1veis<\/strong> para empresas modernas.<\/p>\n<p><a href=\"https:\/\/buvei.com\/\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-4750 size-large\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-1024x307.png\" alt=\"\" width=\"1024\" height=\"307\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-1024x307.png 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-300x90.png 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-768x230.png 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-400x120.png 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-800x240.png 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-832x249.png 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-1248x374.png 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2.png 1442w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"Em junho de 2025, a plataforma de pagamentos B2B Balance anunciou uma parceria estrat\u00e9gica com o Alibaba, oferecendo&hellip;","protected":false},"author":2,"featured_media":5269,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"csco_singular_sidebar":"","csco_page_header_type":"","csco_page_load_nextpost":""},"categories":[336],"tags":[1667,126,340,2573,625],"class_list":{"0":"post-5279","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-news-pt","8":"tag-b2b-pt","9":"tag-buvei-pt","10":"tag-payments-pt","11":"tag-sme-financing-pt","12":"tag-virtual-cards-pt","13":"cs-entry"},"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts\/5279","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/comments?post=5279"}],"version-history":[{"count":0,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts\/5279\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/media\/5269"}],"wp:attachment":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/media?parent=5279"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/categories?post=5279"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/tags?post=5279"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}