Accepting Billie for B2B payments

Billie is enabled through your PSP or integrated directly, and appears at checkout as payment on invoice with terms. Behind the button sits a real credit decision on your buyer, taken in real time. That is the part worth understanding: acceptance rate on B2B credit varies far more than card authorisation does, and a decline is not a technical failure but a commercial one that leaves you deciding whether to offer terms yourself.

B2B BNPL earns its cost when it converts buyers who would otherwise have abandoned because they cannot pay by card on a company account, or when it removes a credit function you would otherwise staff. It does not earn its cost on buyers who would have paid immediately anyway, and every merchant offering it has some of those. Measuring the split is the whole exercise, and most merchants offering B2B terms at checkout have never done it.

Worth stating, because it is about to be a live question across every other deferred payment method in your checkout. Directive (EU) 2023/2225 brings buy now pay later within regulated consumer credit from 20 November 2026, and the FCA began regulating Deferred Payment Credit in the United Kingdom on 15 July 2026. Both regimes govern credit to consumers. Business buyers sit outside them. That does not make B2B terms unregulated in every respect, but it does mean the affordability checks, licensing and advertising restrictions arriving on the consumer side do not apply here, and a provider explaining a price increase by reference to those rules is explaining something that does not govern your B2B volume.

What you pay is set in your agreement, and it belongs in the same review as the rest of your payment mix rather than in a separate conversation with a separate owner. Start by establishing whether you are overpaying your PSP, or run the payment set-up check on your own site, because this is the method where the distance between a negotiated rate and a standard one is widest.

The extra steps a pay-later method adds are where orders are lost, and that is a matter of checkout optimisation rather than of rate.

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