Cross-border payment frameworks have made strides with instant P2P transfers, but that’s just the beginning. The real growth opportunity lies in enabling person-to-merchant (P2M) and person-to-business (P2B) payments that fuel global e-commerce, SME growth, and everyday consumer experiences. Today’s systems still lack merchant identification, QR interoperability, FX transparency, and robust dispute handling — leaving a gap that alternative networks and stablecoins are eager to exploit.

This white paper from RS Software reveals why expanding beyond remittances is critical, what structural gaps must be addressed, and how overlay services like Merchant Registry Bridges, Dynamic QR Translation, Reconciliation-as-a-Service, and Embedded FX at Checkout can transform central cross-border solutions into commerce-ready infrastructures.

Discover how the future of global payments depends on closing the P2M and P2B gap — and why RS Software is uniquely positioned to lead this shift.