Starting February 2nd, Paynet Business has launched a new functionality within the national payment system developed by the National Bank of Moldova: MIA B2B. Companies can now initiate and accept instant payments with other legal entities directly from the Paynet Business platform.

In a competitive business environment, reaction speed makes all the difference. For entrepreneurs and financial managers in Moldova, the constraints of standard "banking days" have become a brake on development. Efficiency in financial management is no longer just an advantage—it is a necessity for any digitized business.

What innovations does the MIA national system bring to Moldovan businesses?

1. 24/7 Bank Transfers (Total Availability) Your business doesn't stop at 5:00 PM. With MIA B2B, you can make urgent payments at any time, on any day of the week:

• Payments to partners on Saturday or Sunday? Solved.
• Transactions after 8:00 PM? Processed immediately.
• Holidays? Business as usual.

Moreover, the recipient receives the funds in their account immediately. No more waiting for the next day or the start of the following week.

2. Cash Flow Optimization and Processing Speed The term "immediate" is real. Funds reach the recipient's account in seconds. This means unprecedented cash flow optimization: you can unblock merchandise on the spot or pay critical invoices exactly at their due date, without depending on interbank settlement times.

3. Simplicity in B2B Payments To make a payment through the MIA national system, the only identifier needed is the partner company's IBAN code. Other data is automatically completed by the payment system, significantly reducing the risk of human error in your primary accounting processes.

Advantages of integrating instant payments into the Paynet Business ecosystem:

• ⚡ Instant: Payments via the national system reach their destination in seconds.
• 🕒 24/7 Access: The system works non-stop, including weekends and holidays.
• ✅ Standardization: Use the IBAN as a unique identifier, in accordance with BNM regulations.
• 🛡️ Security: Transfers are guaranteed by national payment system standards.

Connect to the speed of modern payments
Important: The payment account can be opened 100% online. No travel required, no physical copies of documents, and no queues at the counter.