“Can a vertical commerce platform for the regulated US alcohol three-tier system become the default embedded payments rail for B2B wine and spirits distribution?”
City Hive is a New York-based commerce and data platform for the US alcohol industry, connecting retailers, distributors, and suppliers under the three-tier regulatory system. Originally a u-Commerce platform for wine and spirits businesses, it expanded into embedded B2B payments in late 2024, replacing paper invoices and batch ACH flows with an integrated payment layer tied to compliance workflows. By March 2026 it reported $1B in annualized B2B payment volume across its merchant network.
City Hive processes payments through Adyen.
City Hive uses Adyen for KYC and identity verification.
City Hive's lending and capital products are provided by City Hive B2B Payments (in-house).
The Embedded Finance Index 2026 maps 3 layers in City Hive's stack: Payments / PSP (Adyen); Lending (City Hive B2B Payments (in-house)); KYC (Adyen).
City Hive was founded by Roi Kliper and is headquartered in New York, USA.
Get a read on where your own stack stands against City Hive and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.