New Framework Could Radically Simplify Cash App For US E-Payments

Described by several insiders as a “game changer”, the Digital Business Network Alliance recently released a new framework that could eradicate cash-application headaches for e-payments.

Here’s how: In the same way that phone lines or email systems accept data from different systems, the DBNAlliance’s new framework creates similar interoperability across e-remittance platforms.

Heavily encrypted e-payment data sent from AP to AR departments would soon have enough information that the cash application process could be largely automated.

It’s not going to happen overnight, but over the long run this should improve the backend processes of AP and AR teams.

There are currently less than 10 solution providers certified by the DBNAlliance who have demonstrated the ability to send and receive payment information across the network. The latest list can be found here.

Detailed in a March 2025 report by the DBNAlliance are guidelines for electronic remittance using ISO 20022 messaging. The model supports all payment methods and standardizes remittance data for B2B exchanges.

For AR professionals, standardization is crucial because it has the potential to improve payment matching accuracy, reducing manual processing, and speed up reconciliation.

Note: this supports e-payments only; check payments are not part of this process. But given the high fraud risk that comes with checks, checks are already accounting for a smaller share of B2B payments.

Ten years ago, approximately half of all B2B payments were made by check. In 2025, checks accounted for less than one-third of B2B remittances.

The DBNAlliance’s full report can be found here.