Billie
Billie: A specialized B2B payment option with upfront settlement and credit-risk protection. Ranked #14 of 26 in Buy Now, Pay Later Platforms by our editors (8.1/10); pricing: Pricing on request; best for B2B merchants needing invoice financing.
At a glance
- Editor score8.1 / 10
- PricingPricing on request
- Best forB2B merchants needing invoice financing
- Checkout channelsOmnichannel
- Founded2016 · Berlin, Germany
- Facts checked19 Sep 2026
Where it wins
- Real-time buyer and credit verification with default protection
- Same-day merchant settlement and flexible repayment terms
- Omnichannel support with dashboard, dunning, and invoice management
Where it doesn't
- Merchant pricing is handled through sales or partner arrangements
- Integration coverage is centered on listed payment and commerce platforms
- Focused on B2B transactions rather than general consumer checkout
Our verdict on Billie
Billie provides B2B buy now, pay later and invoice-payment services for ecommerce businesses, marketplaces, platforms, and omnichannel merchants. It lets business buyers choose deferred payment terms or installments at checkout, while merchants receive upfront payouts. The product is aimed at businesses that want to offer payment flexibility without taking on the associated credit and payment-default risk themselves. It supports web and API access, with repayment terms from 7 to 120 days, including pay on account and installments.
The core proposition is its B2B payment workflow. Billie performs real-time buyer and credit verification, assumes credit and default risk, and supports fraud and payment-default protection. Merchants can offer buyer-facing pay-later terms from 30 to 120 days, while payment reminders and dunning support help manage overdue invoices. Order and invoice management, omnichannel payment support, and a merchant dashboard extend the service beyond checkout. Same-day settlement is a practical fit for merchants that want customer payment flexibility while preserving upfront cash flow.
Billie connects through its API and checkout tools, or through listed partners including Klarna, Adyen, Stripe, Kustom, Mollie, Shopware, JTL, and WooCommerce. Merchant pricing is handled through sales or partner arrangements, so the commercial process is less self-serve than a published subscription plan. Billie is a strong fit for B2B merchants, marketplaces, and platforms that need invoice financing, verification, and default protection in one payment flow. Businesses seeking broad consumer checkout coverage or a simple, transparent self-serve pricing model should consider a different type of provider.
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Billie pricing
Billie fact sheet
| Free plan | Not verified |
|---|---|
| Paid from | Not verified |
| Checkout channels | Omnichannel |
| Repayment terms | 7 to 120 days; 30 to 120 days for buyer-facing pay-later terms; installments; pay on account |
| Merchant platforms | Klarna, Adyen, Stripe, Kustom, Mollie, Shopware, JTL, WooCommerce |
| Merchant settlement | Same day |
| Consumer regions | Germany, France, Netherlands, Sweden, Norway, Finland, Austria, Spain, Denmark, Switzerland, United Kingdom |
| Merchant dashboard | Yes |
| Deployment | Cloud |
| Platforms | Web |
| Integrations | 8 integrations: Klarna, Adyen, Stripe, Kustom, Mollie, Shopware … |
| Pricing | Pricing on request |
| Website | billie.io |
| Facts checked | 19 Sep 2026 |
Billie integrations
Billie lists 8 integrations on its own site.
- Klarna
- Adyen
- Stripe
- Kustom
- Mollie
- Shopware
- JTL
- WooCommerce
Alternatives to Billie
- KlarnaA broad omnichannel BNPL option with contract-based pricing and country-dependent availability.9.4
- AffirmA flexible BNPL option for merchants needing online, in-store, and longer-term financing.9.3
- AfterpayAn omnichannel BNPL platform with flexible repayment terms and merchant reporting.9.2
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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