JPMorgan Chase aims to build Zelle-like network for B2B payments

There will be an adjustment for businesses that adopt real-time transactions for B2B or B2C uses, requiring tech support from banks or other payment processors. For example, there are single messages that flow at all times and require the ability to reconcile quickly, said Gareth Lodge, a senior analyst for payments at Celent.

"Request for Pay adds another layer," Lodge said. "It is effectively a live communication channel with the customer. Customers can choose to pay now, at a later date, in installments. All great things for the customer but equally an added layer of complexity for the corporate, which needs to be addressed before they too benefit."