今天早些时候，TraxPay宣布了它had raised $15 millionfrom a set of financial and strategic investors, includingCommerzbank。在未来几周的花费问题上，我们将在最近与Traxpay首席执行官约翰布鲁格曼（John Bruggeman）提供详细的采访，我已经知道了近15年（在我们俩进入这一部门）。Traxpay是一个真正迷人的，但早期的营商专注于动态支付空间。它不是阿巴巴/ SAP的竞争对手，垒软那Tungstenand加德里亚世界提供者，而是潜在的伴侣（由于各种原因）。然而，它对银行和可能对卡公司的严重威胁（这可能解释了MasterCard与IT合作 - 也宣布）。
以下是宣布的一些亮点（营销夸张编辑）：
- “超额认购的循环由...... [本]公司孵化器（Xetra：CBK），软件AG（Xetra：Sow）与现有投资者早期风险投资和前高级Apax合作伙伴，Castik Capital Partners的Michael Phillips，还参加了这一轮“
- “Traxpay’s B2B Dynamic Payments platform … consists of a … cloud-based runtime and development environment and … suite of integrated B2B payment capabilities, as well as a central gateway to critical value-added financial services … Traxpay provides supply chains with … new integrated tools such as supply chain financing, factoring and dynamic discounting that will enable them to better predict and optimize their business.
David Gustin and I previously covered and explained the concept behind Traxpay on Spend Matters PRO (see:The Holy Trinity that Makes Traxpay Connect Networks with Payments）。在构成TraxPay试图解决的挑战中，它实际上比许多人更复杂，即使在采购，财政部和AP都知道，我们注意到：
“Many of us have sent money cross border, using banks, and find that once we initiate a wire, it becomes a big black hole as to when and how much your beneficiary of the wire will receive. There may be multiple correspondent banks, each taking out their fees, so the end result is that the funds sent do not equal the funds. And besides the obvious problem of not knowing how much money will be lost along the way, the tracking of payments can also be a nightmare.
好吧，现在在B2B世界中考虑这个问题。例如，考虑供应商向买方提交发票时。发票只不过是根据某些采购订单（或不）付款请求。当我们导航到B2B商务世界时，我们发现一套新的中介网络越来越多地在这个空间上玩。
“Traxpay enables structured (e.g., invoice, purchase order) and unstructured data (e.g., photos, PDFs, etc.) to travel between buyers and sellers to make and reconcile payments in a dynamic fashion. Their platform does this by offering three main propositions.”
The full research brief explains in detail what these三elements are and how they work together (hint: 1) a core banking system/platform; 2) secure B2B transaction layer; 3) payment platform as a service (PaaS) model). There’s nothing simple about it. But to begin, think of Traxpay as a bank replacement – a true virtual bank with backing physical infrastructure for authorizing and managing payments – and a new type of network and platform in one.
The Spend Matters hat goes off to the Traxpay team for closing the round and joining forces with Mastercard. Payments is a sector that must be disrupted for eProcurement, e-invoicing, supplier networks and trade financing to take their next big leap forward.
花费很重要prosubscribers can learn more about the Traxpay model here:The Holy Trinity that Makes Traxpay Connect Networks with Payments。
也可以看看贸易融资事宜coverage:在焦点 - TraxPay获得资助以扰乱B2B付款。
讨论这一点：