Accepting Billie for B2B payments
Billie provides buy now pay later for business buyers: invoice terms at checkout, with Billie assuming the receivable and paying the merchant. It sits in a different category from consumer BNPL, and the economics only make sense when it is judged as a credit and working-capital instrument rather than as a payment method.
How to accept Billie as a merchant
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.
Why B2B buy now pay later is priced differently
You are not paying for payment processing. You are paying for credit risk transfer and for the working capital that comes with being paid before your buyer pays. That is why the fee is materially higher than card acceptance and why comparing it to a card rate is the wrong comparison. The right one is against your current cost of carrying receivables, your days sales outstanding, and your actual bad debt rate.
Where it earns its fee, and where it does not
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.
Which payment provider supports Billie for merchants in Europe?
Adyen, Mollie and Saferpay all document Billie, among others, so the question is not availability. Ask what the fee is as a percentage of the order, what the acceptance rate is on your buyer profile, when you are paid, and what happens on disputes and returns. Those four answers determine whether the method is a growth instrument or an expensive default.
Consumer credit regulation does not reach this
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.
Reviewing what B2B terms cost you
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 put your own volume through the PSP Upside Calculator, because this is the method where the distance between a negotiated rate and a standard one is widest.
Relevant markets: Germany, Netherlands, Austria, France, Sweden, United Kingdom
