Billie: A Modern Standard for B2B Pay‑Later Payments

Overview: What is Billie?

Billie is a fintech company based in Berlin that focuses on Buy Now, Pay Later (BNPL) and invoice payment solutions for B2B transactions. Founded in 2016 by the creators of Zencap, Billie aims to provide liquidity, automation, and convenience for business purchases.

The platform enables merchants to offer deferred payment and installment options to their business customers while receiving upfront payments. Billie assumes all credit and fraud risks, making it a valuable resource for B2B merchants who want to improve cash flow and lessen financial uncertainty.

Key Features of Billie

Flexible Payment Terms for Buyers

• Pay Later: Business buyers can defer payment from 14 to 120 days, depending on the agreed terms at checkout.

• Pay in 3: Large orders can be split into three installments, making cash flow management easier for the buyer.

• High Credit Limits: The provider can offer business buyers credit limits up to €1,000,000 or up to approximately €25,000 per transaction, depending on eligibility.

Real-Time Risk and Credit Management

• Billie uses proprietary, machine-learning-driven algorithms to assess creditworthiness instantly at the point of checkout.

• All underwriting decisions are automated and occur in real time: no paperwork or manual processes involved.

• The technology ensures high approval rates while minimizing the risk of fraud or default.

Merchant-Centric Advantages

• Immediate Payouts: Merchants are paid upfront while the buyer gets extended payment terms.

• Zero Default Risk: Billie covers the full credit and fraud risk, ensuring guaranteed payment for the merchant.

• Operational Efficiency: Automated credit checks, invoice management, collections, and reconciliation reduce the workload for finance teams.

Buyer Portal and Post‑Purchase Services

• Buyers receive access to a self-service portal where they can manage invoices, update payment preferences, or extend payment terms if eligible.

• Billie provides comprehensive customer support for buyers and sellers, including invoice tracking, payment reminders, and dispute resolution.

Integration and Compatibility

Seamless Integrations

Billie is compatible with leading payment providers and platforms, offering fast and flexible integrations:

• Stripe: Merchants using Stripe can enable Billie directly in their dashboard.

• Adyen via Klarna: Billie is accessible through Adyen’s Klarna integration.

• Mollie and Custom APIs: Businesses can also integrate Billie via Mollie or through direct API for a custom checkout experience.

Supported Sales Channels

Billie can be used across various B2B sales environments:

• E-commerce webshops

• Telesales and phone orders

• In-store and point-of-sale systems

• B2B marketplaces and platforms (such as WooCommerce, Shopify, and Shopware)

This enables a unified payment experience across every customer touchpoint.

Conclusion

Billie is a top B2B payment solution that allows merchants to offer flexible and secure Pay Later options to their business buyers. Merchants can enjoy upfront settlement and zero risk. Its impressive performance metrics, user-friendly interface, and smooth integrations make it an excellent choice for European B2B merchants.