If you sell to other businesses, you already know the pain: long approvals, clunky invoicing, and cash tied up while you wait for payment. B2B Buy-Now-Pay-Later (BNPL) fixes a lot of that. It brings instant credit decisions, net-terms at checkout, and lower risk for you—so your buyers can order more, and you get paid on time.
In this guide, I’ll break down how B2B BNPL works, what to look for in a provider, and nine solid solutions worth shortlisting. I’ll keep it simple and actionable, so you can decide what fits your business fastest.
What is B2B BNPL?
B2B BNPL lets your business customers buy today and pay later (often NET 30/60/90) while you get paid up-front or on a predictable schedule. A BNPL provider runs the credit check, takes on some or all of the risk, and handles collections. You focus on selling; they handle the messy payment stuff.
Unlike consumer BNPL, B2B deals are bigger, repeat, and often need deeper credit checks, ERP/AR integrations, and flexible terms beyond a few installments. That’s why the best B2B BNPL tools feel more like embedded trade credit than “split-pay at checkout.”
Why BNPL is gaining ground in B2B
- Buyers want instant approvals instead of waiting days for a new account.
- Sellers want higher conversion and larger orders without taking on more risk.
- Digital procurement and B2B e-commerce are booming, so payments need to be fast and embedded.
- Cash flow matters—for both sides. The right BNPL option helps you keep cash moving while keeping customers happy.
(TreviPay has a good overview of how B2B BNPL differs from consumer BNPL and why speed + net-terms matter in business purchasing.
Key features to look for
- Real-time credit decisions and clear limits for repeat buyers
- Risk coverage (guarantees, insurance, or strong collections)
- Seamless checkout for e-commerce and plug-ins for popular platforms/marketplaces
- ERP/AR integrations and automated invoicing/reconciliation
- Flexible terms (NET 30/60/90 and installment options)
- Geographic coverage & multi-currency if you sell cross-border
- Transparent fees so you know your margin impact up front
The 9 B2B BNPL solutions to know
Below, each provider includes when to use it, highlights, and practical considerations so you can match tools to your needs.
1) TreviPay
Best for: Mid-market to enterprise sellers, manufacturers, and marketplaces that want embedded trade credit at scale.
Why it stands out: TreviPay focuses on enterprise-grade net terms and buyer onboarding, with workflows built for repeat B2B purchasing and complex billing. Their content also lays out clear differences between B2B and B2C BNPL—handy for aligning finance and sales around the right expectations.
Considerations: You’ll want IT/finance alignment for integrations and buyer program design—TreviPay shines most when you embed it deeply (marketplace or large catalog scenarios).
2) Resolve
Best for: US-focused sellers (SMB to mid-market) who want simple net-terms, AR automation, and faster cash without chasing payments.
Why it stands out: Resolve streamlines net terms at checkout and off-loads credit checks, approvals, invoicing, and collections, so you can extend terms without ballooning AR risk. It’s a straightforward fit for sellers getting serious about B2B e-commerce or invoice-based sales.
Considerations: Start by mapping your existing invoicing flows. You’ll likely consolidate multiple AR steps into one platform—great for scale, but plan a tidy cutover.
3) Hokodo
Best for: European B2B e-commerce and omnichannel sellers who want flexible terms across multiple sales channels.
Why it stands out: Hokodo’s “BNPL for B2B” is built for both website checkout and offline orders, with configurable net-terms and a focus on reducing risk while keeping the buyer experience smooth.
Considerations: Confirm your target countries and currencies. EU markets differ in credit data availability and invoicing rules; Hokodo’s regional focus helps, but align it with your footprint.
4) Mondu
Best for: EU-based marketplaces and e-commerce merchants who want modern payment options (pay later, pay now, A2A) to boost conversion.
Why it stands out: Mondu offers BNPL tailored to B2B, plus it continues to broaden methods (like instant account-to-account “Pay Now”), which can lift adoption and lower costs at checkout. Their marketplace capabilities are strong if you manage multiple sellers.
Considerations: If you operate both marketplace and direct sales, make sure your catalog, invoicing, and settlement flows are mapped—Mondu can cover both, but plan the data model up front.
5) Billie
Best for: EU sellers who want BNPL embedded in major payment rails (e.g., Stripe) and marketplaces.
Why it stands out: Billie’s integrations help you add B2B terms in environments you may already use. Recent launches include Stripe’s EU platform and support for Alibaba.com markets in Europe—useful if your buyers already live in those ecosystems.
Considerations: Coverage and eligibility can vary by EU country. Check where your buyers are based and confirm the experience they’ll see at checkout.
6) Two
Best for: Nordic/European merchants and marketplaces that need fast B2B credit decisions and a branded checkout.
Why it stands out: Two focuses exclusively on B2B BNPL with instant decisions and has teamed up with major partners (e.g., Allianz Trade/Santander CIB for large corporates; Avarda for unified B2B/B2C checkout in the Nordics). If you sell across the region, that network matters.
Considerations: If your mix includes both B2B and B2C, the Avarda partnership can keep your UX consistent—just design your flows so buyers land in the right lane every time.
7) Kriya (formerly MarketFinance)
Best for: UK/EU merchants who want payments + working capital + BNPL under one roof.
Why it stands out: Kriya rebranded from MarketFinance and offers BNPL for B2B alongside invoice finance and payments—useful if you want one partner for credit + collections + checkout. They’ve also raised new facilities to scale lending, which supports program durability.
Considerations: Clarify whether you need pure “pay-by-invoice” BNPL, ongoing credit lines, or both—Kriya can support multiple models, but terms differ by product.
8) Slope
Best for: US B2B sellers (including wholesalers and SaaS/hardware vendors) who want modern BNPL with strong data connectivity and credit workflows.
Why it stands out: Slope is purpose-built for B2B BNPL and invests heavily in underwriting, monitoring, and workflow automation. It’s a good fit if you need granular control over limits and repeat orders.
Considerations: Plan your data feeds (banking, accounting, order history) early—Slope’s value increases when it can see your real buyer behavior.
9) Balance
Best for: US businesses selling on marketplaces or direct—especially if you need embedded invoicing, net terms, and multiple rails (ACH, FedNow/RTP, etc.).
Why it stands out: Balance powers embedded B2B payments and digital trade credit for large marketplaces and merchants. Recent moves include powering checkout for Instacart Business customers and adding BNPL on Alibaba.com for US buyers—evidence they can scale in real-world, high-volume environments.
Considerations: Great for mixed payment stacks. If you run both “Pay Now” and “Pay Later,” Balance can lower costs with A2A rails and keep AR automated.
Quick comparison (at a glance)
| Provider | Primary Regions | Typical Use Case | Notable Strength |
|---|---|---|---|
| TreviPay | Global/Enterprise | Embedded net-terms for large catalogs & marketplaces | Enterprise trade credit programs at scale |
| Resolve | US-centric | Net-terms + AR automation for SMB–mid-market | Simple rollout, strong AR workflows |
| Hokodo | Europe | E-commerce + omnichannel | Flexible BNPL across channels |
| Mondu | EU | Marketplaces & online B2B | Broader methods (BNPL + A2A) |
| Billie | EU | Stripe & marketplace ecosystems | Deep integrations (Stripe, Alibaba.com) |
| Two | Nordics/EU | Fast approvals, branded checkout | Partnerships for large corporates & unified B2B/B2C |
| Kriya | UK/EU | Payments + BNPL + working capital | Single partner for credit + payments |
| Slope | US | Wholesalers, SaaS/hardware | Data-driven underwriting & credit ops |
| Balance | US/global marketplaces | Embedded pay-by-invoice + terms | At-scale marketplace rollouts (Alibaba.com, Instacart) |
Tip: These providers update features and coverage regularly. Always confirm the exact countries, currencies, and terms available for your vertical.
Challenges & risks (and how to handle them)
- Over-reliance on one lender
If all your terms sit with one BNPL provider, a policy change could sting. Fix: keep a backup option, or at least a clear migration path. - Approval variability
Instant decisions still decline some buyers, especially in new geos. Fix: choose providers with appeals/manual review and alternative rails (e.g., pay-by-bank) so the order isn’t dead. - Fee drag on margin
BNPL isn’t free. Fix: run a simple model: conversion lift + AOV lift + lower DSO – BNPL fees. Price accordingly for “terms-eligible” orders. - Data plumbing
The biggest win is AR automation. The biggest headache is the initial integration. Fix: map your invoicing, reconciliation, and dispute flows before kickoff. - Regulatory evolution
Rules keep changing across markets. Fix: lean on providers with risk/insurance partnerships and good compliance teams (e.g., Allianz Trade-linked programs for large corporates).
The future of B2B BNPL: what to expect
- Embedded everywhere. More marketplaces and vertical platforms will bake in net-terms by default. (See TreviPay’s 2025 payments outlook.)
- AI-driven underwriting. Better decisions from banking, accounting, and behavioral data.
- Multiple payment rails. BNPL plus A2A/real-time payments (RTP/FedNow) to cut costs and speed settlement—already visible in provider launches.
- B2B/B2C convergence at checkout. Unified experiences that route buyers to the right flow (Two x Avarda is an example in the Nordics).
How to choose the right BNPL solution (simple playbook)
- List your must-haves.
Regions you sell into, average order size, desired terms (NET 30/60/90), preferred rails (card vs. bank), and how fast you need cash. - Map your systems.
Where do orders, invoices, and payments live today (e-commerce platform, ERP, accounting)? Note every handoff—this will guide integrations. - Shortlist 3–4 providers that match your region and buyer profile (use the table above as a starter).
- Run a 60-day pilot.
Start with one product line or segment. Track: approval rate, conversion lift, AOV, DSO, disputes, and fee impact. - Model the ROI.
Keep it simple:- Upside: (conversion lift × baseline orders) + (AOV lift × baseline revenue) + (DSO improvement × working-capital benefit)
- Downside: provider fees + internal integration time
- Scale with guardrails.
Add limits by buyer segment. Keep a second rail (e.g., pay-by-bank) and a backup provider for resiliency.
FAQ (quick answers)
Is B2B BNPL the same as consumer BNPL?
No. B2B BNPL is more like embedded trade credit—bigger tickets, repeat buyers, and deeper integrations with invoicing/AR.
Do I still handle collections?
Usually not. The provider takes on credit checks and collections; some offer guarantees/insurance. Check each contract.
Can I use BNPL on a marketplace?
Yes. Several providers support marketplace flows (onboarding buyers, settling to multiple sellers). Mondu and Balance highlight strong marketplace support.
What if my buyers are both in the US and Europe?
Shortlist providers with coverage where you sell today and plan to sell next. A split stack (e.g., Resolve/Balance for US + Hokodo/Mondu/Billie/Two/Kriya in EU) is common.
Will BNPL hurt my margins?
It can, if you ignore fees. But when BNPL is implemented well, the lift in conversion/AOV and the AR savings often outweigh the cost. Run the numbers during a pilot.
Putting it all together
If you want to sell more without tying up your cash, B2B BNPL is worth testing. Start small, measure the lift, and scale with clear guardrails. If you sell mostly in the US, Resolve, Slope, and Balance are easy starting points. For Europe, look at Hokodo, Mondu, Billie, Two, and Kriya. For enterprise trade credit programs and marketplaces, TreviPay belongs on your shortlist, too.
