For a consumer card payment, all of the financial settlement information tied to the transaction is immediately available. Business-to-business transactions are more complicated. Goods and services are invoiced when delivered, but payment typically occurs 30 to 45 days later. In addition, buyers and sellers might settle multiple invoices in a single payment. Reconciling payments with invoices is difficult because existing networks such as the automated clearing house (ACH) system in the U.S. and SEPA in Europe utilize only 94 characters (ACH) or 140 characters (SEPA), which are not sufficient ...