Billie

 

Billie is a Berlin-based B2B BNPL provider founded in 2016, specialising in invoice-based deferred payment solutions for business buyers. It operates exclusively in the B2B segment, serving over 500,000 business customers across more than 3,500 shops and marketplaces in Europe, with clients including Alibaba.com and Samsung.

The merchant proposition is straightforward: business buyers get deferred payment terms of up to 30 days, while the merchant receives payment upon shipment. Billie absorbs the credit and fraud risk, handling real-time buyer approval at checkout with credit limits of up to €100,000. This removes the dunning and collections burden from the merchant entirely, which is a meaningful operational benefit for any business running significant B2B volume.

For merchants with a mixed B2C and B2B customer base, Billie addresses a genuine gap. Business buyers strongly prefer invoice-based payment terms, and offering a seamless pay-later-by-invoice option at checkout is increasingly a baseline expectation in B2B e-commerce. Excluding it can result in meaningful cart abandonment among business customers who are unwilling to pay upfront by card.

On the cost side, Billie applies a merchant discount rate per transaction. Exact fees are not published and are agreed commercially, so the rate you are offered is worth benchmarking against alternatives in the B2B BNPL space, including Mondu and Klarna’s B2B offering.

PSP integration is available via Adyen, Stripe, and a growing list of other providers, as well as direct API integration and platform plugins for Shopify, WooCommerce, Magento, and Shopware. If you are evaluating B2B BNPL for your checkout or currently using Billie and want to review the commercial terms, that is worth a structured assessment.

Relevant markets: Austria, Germany, Netherlands, Sweden, France