The current economic climate is stressing supply chain management, with Walmart adding business payment features designed to address clients’ cash flow challenges while expanding its long-standing encroachment into banking. “For small- to medium-size businesses and nonprofits, they need to be flexible and in times of uncertainty it’s especially important,” Ashley Hubka, senior vice president and general manager of Walmart Business, told American Banker. Walmart is testing a product that offers extended payment terms and treasury management tools for businesses, nonprofits and government-affiliated organizations. While the big box retailer has long pushed a consumer-focused financial services menu, its Pay by Invoice release is a deeper foray into B2B finance. Walmart’s Pay by Invoice works through TreviPay to set up 30-day terms for business purchases at Walmart. Buyers apply for a line of credit with TreviPay, with options to increase the credit limit as business needs evolve. The product is in pilot, with Walmart planning to expand availability in the coming months. TreviPay, a B2B invoicing and lending fintech, manages credit underwriting, know-your-customer and other risk management. Walmart currently supports debit, ACH, credit card and gift card payments for business purchases, which limits some larger ticket items. Small businesses, nonprofits and schools use Walmart to buy supplies and large grocery orders for events. Larger purchases, particularly bulk supplies, can require credit or financing, which normally forces buyers to use a bank or other outside financial relationship. Pay by Invoice can keep more shopper activity under Walmart’s umbrella. “We’ve noticed a need for more options,” Hubka said. Hubka said the B2B payments expansion is not a direct response to Trump’s tariffs, but she did mention the current environment poses economic challenges. In addition, many of Walmart’s business customers told the retailer that Walmart’s existing payment systems did not support larger purchases, while potential business clients said they could not buy from Walmart unless the retailers’ payment processing system could be expanded to include lines of credit or longer terms than immediate purchases.