Accepting Billink as a merchant

 

Billink is a Dutch post-payment provider: the customer receives the order first and settles the invoice within 14 days. It serves both consumers and business buyers, and it operates in the Netherlands, Belgium and Germany. Among the deferred payment methods in a Dutch checkout it is the one most clearly built around invoice rather than instalments.

What the fee is actually for

Billink assesses the customer in real time, and where the order is accepted it guarantees payout to you. That is the whole proposition: you are buying the transfer of non-payment risk, the working capital between delivery and settlement, and the collections process that follows a missed invoice. It is not payment processing, so benchmarking it against an iDEAL fee produces a number that looks alarming and tells you nothing. Benchmark it against your own bad debt rate, your days sales outstanding and the cost of chasing invoices yourself.

You choose the payout term, and that is a cash decision

Billink lets the merchant select a payout term of 7, 14, 21 or 30 days. That is unusual enough to be worth naming, because it turns a payment method into a working capital lever. A shorter term improves your cash position and generally costs more; a longer one does the reverse. Most merchants accept whatever was configured at onboarding without ever pricing the difference, which is a decision made once and paid for continuously.

Both consumer and business buyers, priced differently

Billink covers B2C and B2B in one integration. Those are different risk profiles with different acceptance behaviour and different order values, and they should not be read as one line in your reporting. If you sell to both, the useful question is what each segment costs you and what each segment's acceptance rate is, rather than what your blended Billink rate is.

Billink One and the regulatory reason behind it

Billink One extends the proposition beyond post-payment to include paying now and paying a deposit with the remainder later, with purchase protection across all of them, alongside iDIN and itsme identity verification and real-time address, age and payment behaviour checks. Billink has been explicit that it built this in preparation for the second Consumer Credit Directive. That is the interesting part commercially: a provider adding non-credit routes to a credit product before the rules change is telling you what it expects the rules to do to acceptance rates.

From 20 November 2026 post-payment is regulated consumer credit

Directive (EU) 2023/2225 repeals the 2008 Consumer Credit Directive with effect from 20 November 2026, and member states were required to transpose it by 20 November 2025. The exemption for credit repayable within a short period at insignificant cost disappears, which is the exemption invoice and instalment products have relied on. Providers come within national financial supervision, bringing licensing, mandatory creditworthiness assessment, credit register participation, stricter advertising rules and a prohibition on offering deferred payment to minors. Your provider carries the licence; you carry the declines. A share of customers accepted today will not be accepted afterwards, and unless a cheaper immediate method is presented well enough to catch them, that is an abandoned order rather than a cheaper one.

Which payment provider supports Billink?

Buckaroo, MultiSafepay and Pay.nl all document Billink, among others, and Billink announced on 23 March 2026 that it also becomes available through Mollie. The useful questions are the fee as a percentage of order value, your acceptance rate by segment, which payout term you are on and what the alternatives cost, how returns interact with an open invoice, and what your provider expects to change on 20 November 2026.

Reviewing what this costs you

What you pay is set in your agreement, not by a scheme. Start by establishing whether you are overpaying your PSP, or look at how a structured payment RFP brings deferred payment methods into scope alongside cards.

Relevant markets: Netherlands, Belgium, Germany