B2B Secure Payments
Buy and sell more securely, anywhere in the world.
There’s never been a better time to go global, but expansion brings its own unique set of challenges. The risk of non-payment is a top concern for many cross-border sellers. That’s why we joined forces with Payoneer to provide qualified buyers and sellers a secure method to conduct both domestic and international transactions. With B2B secure payments, businesses can more safely expand sales to new customers and purchase from new suppliers, while significantly reducing payment risk. Additional benefits include discounted transaction fees for shipments within the worldwide UPS network, along with multiple online payment options.
Benefits for buyers and sellers alike.
Buyers can pay with confidence knowing that their supplier gets paid when and if they deliver as expected. And, sellers can deliver goods with the certainty that payment is in process. Both parties are protected as the platform ensures transparent and quick outcomes should any dispute arise. Watch a video from Payoneer to learn how their cutting-edge capabilities can help companies expand with less risk.
Reap the benefits of doing business in 200 countries and territories, utilizing 150 currencies.
Sign Up FreeLess risk, less cost—more trust.
B2B secure payments is specifically designed to reduce risks so companies can transact with confidence, no matter where they are. Why settle for traditional, more expensive ways to complete payment transactions?

Looking for ways to grow your business? Learn how UPS Capital® can provide options for accessing working capital.
FAQ
Global Asset-Based Lending
What is a traditional asset-based loan (ABL)? How does Global Asset-Based Lending (GABL) offered by UPS Capital® enhance a traditional ABL loan?
Asset-based lending refers to a revolving credit facility where the amount of funds available to be borrowed at any time is based upon the value of the borrower's current assets – usually, domestic finished goods and raw material inventory and domestic accounts receivable. These assets, which comprise the "borrowing base," are pledged to the lender as collateral. In traditional asset-based lending, foreign accounts receivable, if backed by credit insurance, sometimes may be included in the borrowing base, but inventory that is in-transit or located in foreign countries usually is not eligible for borrowing. UPS Capital’s Global Asset-Based Lending solution, on the other hand, provides customers with additional liquidity and flexibility by broadening the borrowing base to include inventory that is in-transit and, in some countries, foreign-domiciled inventory.
What is the difference between asset-based lending and cash flow lending?
The primary differences between asset-based lending and cash flow lending arise out of the different approaches taken toward underwriting and documenting such loans. In considering repayment sources for their loans, cash flow lenders traditionally look first to the cash flow and balance sheet of the borrower, and only secondarily to collateral. Asset-based lenders look first to the collateral pool, and secondarily to the balance sheet and finances of the borrower. These different approaches have several effects that are critical to commercial customers in need of liquidity:
- Asset-based lenders often approve credits that are not eligible for cash flow loans. Cash flow lenders may shy away from borrowers with significant leverage, perceived undercapitalization or earnings weakness. While asset-based lenders will consider these factors, they will place greater emphasis on whether the borrower has sufficient eligible collateral to pledge as security for the requested loans.
- Asset-based lenders frequently offer greater liquidity (more loans) and flexibility (fewer financial covenants) than cash flow lenders. Since traditional cash flow lenders underwrite cash flow as their primary repayment source, their loan commitments may be limited by existing leverage or earnings, and they tend to impose stringent financial covenants to monitor their exposure. Because asset-based lenders are more focused on eligible collateral, asset-based loan agreements generally have fewer financial covenants (usually, fixed charge ratios).
- The tradeoff for asset-based lenders to provide such additional liquidity and flexibility is that asset-based lenders require periodic borrowing base reporting and the establishment of lockboxes for the collection of accounts receivable.
What is a Borrowing Base?
The borrowing base is a formula that determines the amount of loans that are available for borrowing at any time under an asset-based lending facility. The borrowing base is calculated by applying a percentage (the "advance rate") to the amount of "eligible" current assets (usually accounts receivable and inventory), minus reserves for issues such as dilution of accounts receivable. Asset-based lending is a flexible source of funding, and the amount of funds available to be borrowed at any time depends upon the amount of the eligible collateral that you furnish. The borrowing base for GABL transactions may include in- transit inventory and foreign warehoused inventory that is under UPS® control.
What is a lockbox?
Lockbox services are offered by commercial banks to simplify collection and processing of accounts receivable. Traditionally, a "lockbox" was, literally, a post office box to which a borrower's customers would mail payments. The bank would open the mail, deposit checks and route payments to the correct deposit account. In today's world, where customers make payments by ACH, wire transfer, credit card and other electronic methods, in addition to traditional "snail mail," lockbox services refer generally to the bank's processing of all such payments. Asset-based lenders utilize lockbox services to ensure that a borrower’s accounts receivable collections are applied to pay down the outstanding loan balance as received. A lockbox arrangement is advantageous because it lowers the borrower's interest expenses by minimizing delays between receipt of a payment and application of the funds to the borrower's loan. As cash collections are received and cleared, the revolver loan is credited automatically, and the funds become available for re-borrowing, subject to the terms of the asset-based loan agreement.
What is a field examination?
A field examination is an analysis performed by asset-based lenders to verify the existence and performance of accounts receivable and inventory against the borrower's books and records. Examination procedures include a comparison of shipping invoices to supporting documents such as bills of lading and purchase orders. The field exam also assists the lender in constructing a borrowing base that reflects the lendable value of collateral and in establishing advance rates against the collateral. Field exams are performed periodically by the lender.
What is an appraisal?
An appraisal estimates the value of collateral and is used by asset-based lenders to establish advance rates in the borrowing base. Most inventory appraisals develop a net orderly liquidation value, which is the estimated value that can be achieved from the sale of the assets in an orderly fashion but in a distressed situation.
What type of reporting is required by the lender for an asset-based loan?
Borrowers in asset-based lending transactions periodically deliver reports regarding inventory, accounts receivable and accounts payable, along with regular financial statements. Since a GABL loan with UPS Capital may include in-transit and foreign-domiciled inventory, periodic reporting from the borrower regarding in-transit and foreign inventory also may be required.
What is the typical transaction size for Global Asset-Based Lending?
The typical GABL loan includes a commitment amount ranging from $3 million to $25 million. In some transactions, UPS Capital may elect to bring in one or more co-lenders.
What are the eligibility requirements for Global Asset-Based Lending with UPS Capital?
While all transactions and borrowers vary, UPS Capital generally looks for borrowers that:
- Are U.S.-based
- Import finished goods
- Has annual revenue of $10 million to $75 million
- Use UPS services for a portion of their logistics business
Why finance with UPS Capital and use UPS as a transportation provider?
The financial expertise of UPS Capital, combined with UPS’s proficiency in facilitating international trade, makes UPS Capital unique in the marketplace by providing solutions that help businesses finance their international trade, improve liquidity and enhance the efficiency of their supply chains.
All credit is subject to credit approval and applicable laws and regulations. Products may not be available in all areas. UPS Capital Corporation loans are made in California pursuant to a Department of Corporations California Finance Lenders license. UPS Capital HK Limited is a licensed money lender in Hong Kong under the Money Lenders Ordinance, and all loans are made in Hong Kong pursuant to that license. Each global supply chain finance solution will be governed by the terms, conditions, limitations and exclusions set forth in the applicable global supply chain finance agreement with UPS Capital Corporation and any other lender party thereto (the “Global Supply Chain Finance Agreement”). This information sheet does not in any way alter, supplement or amend the terms, conditions, limitations or exclusions of the Global Supply Chain Finance Agreement and is intended only as a brief summary. Please consult the Global Supply Chain Finance Agreement for the exact terms and conditions.
UPS Capital Cargo Finance® and Global-Asset Based Lending Disclosure
Loans are made in California pursuant to a Department of Corporations California Finance Lenders License. Products may not be available in all areas and may be modified based on requirements. Check with your UPS Capital representative for local availability. Credit availability is subject to approval.
U.S. Product Disclosures
UPS Proactive Response® Secure
UPS Proactive Response Secure is a product of United Parcel Service, Inc. Products are administered by UPS Capital Corporation, a subsidiary of United Parcel Service, Inc. Products are not available to and from all countries. Check with your local representative for more information and for product availability.
For C.O.D., offered through UPS Capital® Trade Protection Services
C.O.D. enhancement services are offered through UPS Capital Trade Protection Services, Inc. UPS Capital Corporation and its affiliates reserve the right to change or cancel any C.O.D. enhancement services program at any time. Each C.O.D. enhancement services program is governed by the applicable terms and conditions governing participation in that program and certain limitations and exclusions apply. Information contained in this web site information does not in any way alter, supplement or amend the applicable terms and conditions governing participation in any C.O.D. enhancement services program and is intended only as a brief summary of that program. The UPS® C.O.D. charges, as set forth in the UPS rates in effect at the time of shipping, apply to each UPS C.O.D. package shipped. Some C.O.D. enhancement services may involve loans or the advancement of funds for anticipated C.O.D. receipts. Loans made in California are pursuant to a Department of Corporations California Finance Lenders License. C.O.D. Enhancement Services products may not be available in all jurisdictions and may be modified based on requirements. Check with your UPS Capital representative for local availability. Credit availability is subject to approval. C.O.D. Secure, C.O.D. Automatic and C.O.D. Direct are registered trademarks of United Parcel Service of America, Inc.
Insurance
Insurance is underwritten by an authorized insurance company and issued through licensed insurance producers affiliated with UPS Capital Insurance Agency, Inc., and other affiliated insurance agencies. UPS Capital Insurance Agency, Inc. and its licensed affiliates are wholly owned subsidiaries of UPS Capital Corporation. The insurance company, UPS Capital Insurance Agency, Inc. and its licensed affiliates reserve the right to change or cancel the program at any time. The insurance program is governed by the terms, conditions, limitations and exclusions set forth in the applicable insurance policy. This web site information does not in any way alter, supplement, or amend the terms, conditions, limitations or exclusions of the applicable insurance policy and is intended only as a brief summary of the program. Please consult the policy for the exact terms and conditions. No warranty, guarantee, or representation, either express or implied, is made as to the correctness or sufficiency of any information contained herein. Insurance coverage is not available in all jurisdictions.
Merchant Services Program Disclaimer
All services in connection with the UPS Capital® Merchant Services Program are provided by Worldpay US, Inc., a Registered ISO/MSP of Citizens Bank, NA. All decisions regarding approval of a merchant services application, and all fees charged for merchant services, are determined solely by Worldpay US, Inc. The UPS Capital Merchant Services Virtual Terminal is powered by Maas Global Solutions (MGS) technology.
UPS Capital Cargo Finance® and Global-Asset Based Lending Disclosure
Loans are made in California pursuant to a Department of Corporations California Finance Lenders License. Products may not be available in all areas and may be modified based on requirements. Check with your UPS Capital representative for local availability. Credit availability is subject to approval.
Parcel Pro Disclaimer
Insurance coverage is provided under a policy issued by an authorized insurance company to Parcel Pro, Inc. Terms, restrictions and conditions apply. Please speak to a sales representative for more details.
Effective Date: 18 September 2015
UPS Capital Privacy Notice
UPS Capital Corporation, its subsidiaries, UPS Capital Versicherungsvermittlung GmbH, its branches, and UPSC (Thailand) Ltd. (each, a “UPS Capital Company” and collectively, the “UPS Capital Companies”) are affiliates of UPS. The UPS Capital Companies observe the UPS Privacy Notice, except as follows: (a) the first paragraph of the section entitled "Information We Obtain" shall be modified to read as follows: “We may obtain personal information about our consumers (such as name, contact details and payment information) in connection with various activities such as (i) use of the UPS websites, (ii) shipping activities, including delivery and pickup of packages, (iii) requests to track packages or answer questions, (iv) events in which we participate, (v) promotions and other offers, and (vi) providing shipper’s agent, claims administration, claims adjustment, financial and insurance services, as applicable; (b) the second bullet point of the section entitled "How We Use The Information We Obtain" shall be modified to read as follows: “Provide products and services you request (such as logistics, supply chain management, customs clearance and brokerage services, and shipper’s agent, claims administration, claims adjustment, financial and insurance services, as applicable)”; and (c) the second paragraph of the section entitled “Information We Share” shall be modified to read as follows: “We may also share the personal information we obtain with our affiliates, franchisees, resellers, and joint marketing partners and with claims administrators, claims adjusters, credit reporting agencies, insurers, guarantors, credit enhancement providers (including sureties, indemnitors, and export credit agencies) and their respective agents with which we do business. These entities, which collectively are referred to here as the “UPS Business Partners,” may use the information for the purposes described in this Privacy Notice. We may share physical location data with our UPS Business Partners and other third parties to, for example, enhance location-based services and develop accurate and up-to-date maps. In addition, except as described below, unless you object, we may share other personal information with third parties who are not UPS Business Partners for those parties’ own purposes, such as to offer products or services that may interest you.” The UPS Privacy Notice contains a description of practices regarding the treatment of personal information that is common to all UPS companies and business units adhering to the UPS Privacy Notice in their handling of the personal information that UPS companies collect from consumers. If you have questions about this Privacy Notice, the practices of any UPS Capital Company website, or your experience on our website(s), please contact us. Insurance services are not offered in all jurisdictions.