Kumulon GmbH

Kumulon is a Verified Stripe Partner who developed KUMOsphere — a modern B2B payments and AR self-service portal purpose-built for SAP. Running natively on SAP Business Technology Platform (BTP) as a clean-core, side-by-side extension, KUMOsphere gives your customers a branded web experience to view invoices, apply credits, raise disputes, and pay instantly via Stripe: cards and wallets globally, plus SEPA and ACH through SAP Digital Payments Add-On.

Why customers choose us

• Fast time to value for SAP: Out-of-the-box replacement for SAP Biller Direct / Cloud for Customer Payments with a familiar flow and a modern UX.
• Real-time, no replication: All receivables data is fetched live from SAP S/4HANA or ECC; sensitive invoice data stays in the customer’s SAP landscape.
• Global payments with Stripe: Tokenization and vaulted payment methods, SCA/3DS where required, and support for local rails alongside cards.
• Lower DSO, fewer tickets: Self-service payments and dispute handling reduce manual work for finance and customer care.

How it integrates

• SAP-native: Deployed into the customer’s own BTP subaccount; connects through SAP Cloud Connector and standard OData/APIs.
• Payments hub: Uses SAP Digital Payments Add-On to route transactions to Stripe; authorizations/captures post back to SAP for automatic clearing.
• Security & compliance by design: End-to-end TLS, role-based access, Stripe tokenization; PCI-sensitive steps handled by proven components.

Key capabilities

• Pay multiple invoices in one go; support partial payments and credit-note application.
• Built-in dispute & deduction workflows with attachments and status tracking.
• “View My Account Statement” for historical bills, balances, and payment history.
• Self-service master-data updates (subject to approval).
• Single Sign-On via SAP Identity services; full theming to your brand.

For Stripe sellers & SI partners

• Joint go-to-market with Stripe for SAP customers needing a rapid migration path from legacy SAP portals.
• Enterprise-grade deployment and CI/CD; private tenancy per customer; works with S/4HANA today and ECC landscapes via our compatibility layer.
• Services include discovery, migration, rollout, enablement, and ongoing product support.

Kumulon builds SAP-first fintech apps that make order-to-cash simple. With KUMOsphere and Stripe, enterprises get a future-proof SAP payment portal that accelerates cash flow and delights customers — without touching the SAP core. Visit kumulon.com to learn more or book a joint demo with Stripe.