B2B Invoice Payment Directory
B2B Invoice Payment Providers Compared 2026
15+ B2B BNPL & trade credit providers compared — with real fees, factoring, payment terms, GDPR compliance, and e-commerce integrations.
15 of 15 apps
1
Allianz Trade
On request (premium based on revenue, industry, and risk class)Risk ManagementTrade CreditDSGVOISO 27001Server DEAllianz Trade
▼On request (premium based on revenue, industry, and risk class)
Risk ManagementTrade CreditDSGVOISO 27001Server DE
Allianz Trade
On request (premium based on revenue, industry, and risk class)Allianz Trade
On request (premium based on revenue, industry, and risk class)
Allianz Trade (formerly Euler Hermes, est. 1927) is the world's largest trade credit insurer, headquartered in Paris. With 5,800 employees across 50+ countries and consolidated revenue of €3.8B (2024), the company insures global B2B trade relationships worth €1,400B. Allianz Trade monitors the creditworthiness of 80M+ companies worldwide and holds a 34% global market share. With "Allianz Trade pay," the company offers an API-based solution for B2B e-commerce with real-time credit scoring and KYB processes.
Details
- Model
- On request
- Free trial
- ✗
- Server
- 🇩🇪 DE
- Founded
- 1927
- HQ
- Paris, FR
✓Strengths
- ●World market leader with 34% global market share in trade credit insurance
- ●Credit data on 80M+ companies worldwide
- ●API-based "Allianz Trade pay" solution for B2B e-commerce
- ●ISO 27001 certified and GDPR compliant
- ●Presence in 50+ countries — true global coverage
✗Weaknesses
- ●Not a payment processor — primarily a credit insurer and risk service provider
- ●Complex contract structures — not designed for SME self-service
- ●No e-commerce plugins for Shopware, Magento, etc.
- ●Premiums can be high for smaller businesses
Verdict:Allianz Trade is the global market leader in trade credit insurance with 80M+ monitored companies — not a payment processor, but the ultimate protection for B2B receivables.
Visit website →2
Bilendo
Value-based pricing (by number of active debtors and users)Risk ManagementDSGVOServer DEBilendo
▼Value-based pricing (by number of active debtors and users)
Risk ManagementDSGVOServer DE
Bilendo
Value-based pricing (by number of active debtors and users)Bilendo
Value-based pricing (by number of active debtors and users)
Bilendo is a cloud-based AR automation and credit management platform from Munich (est. 2015). The SaaS solution automates the entire receivables management process — from daily dunning run control and intelligent dispute workflows to credit scoring with credit limit calculation. The platform is compatible with common ERP systems and supports numerous bank accounts in Germany and Austria via multi-bank access.
Details
- Model
- On request
- Free trial
- ✗
- Server
- 🇩🇪 DE
- Founded
- 2015
- HQ
- Munich, DE
✓Strengths
- ●Specialized in receivables and credit management from Germany
- ●Intelligent dunning automation with daily rolling process
- ●Comprehensive risk assessment with credit limit calculation and credit insurer integration
- ●ERP-compatible and multi-bank access (DE + AT)
- ●Analytics module for management reporting and process monitoring
✗Weaknesses
- ●Not a payment processor — no invoice payment, factoring, or BNPL
- ●No public pricing — value-based pricing on request only
- ●No e-commerce plugins (Shopware, Magento, etc.)
- ●Focus on DACH market — limited international coverage
Verdict:Bilendo is the Munich-based specialist solution for automated receivables and credit management — not a payment processor, but an AR automation tool for the finance department.
Visit website →3
Billie
From approx. 2.79% net per transactionBuy Now, Pay Later (BNPL)Factoring / Receivables PurchaseDSGVOServer DEBillie
▼From approx. 2.79% net per transaction
Buy Now, Pay Later (BNPL)Factoring / Receivables PurchaseDSGVOServer DE
Billie
From approx. 2.79% net per transactionBillie
From approx. 2.79% net per transaction
Billie is a Berlin-based B2B BNPL provider that became the first B2B payment service in the EU to integrate with Stripe in 2024. Through its strategic Klarna partnership, Billie is available in 11+ EU countries (DE, FR, NL, SE, NO, FI, AT, ES, DK, CH, UK). The company offers real-time credit scoring, credit limits up to EUR 100K per cart, and an approval rate exceeding 90%. Billie has raised over $100M in total funding at a $640M valuation.
Details
- Model
- Per Transaction
- Free trial
- ✗
- Server
- 🇩🇪 DE
- Founded
- 2016
- HQ
- Berlin, DE
✓Strengths
- ●Strategic Klarna partnership for broad European coverage
- ●Stripe integration — first B2B BNPL in the EU via Stripe
- ●Real-time credit scoring with 90%+ approval rate
- ●High credit limits up to EUR 100K per cart
- ●Plugins for Shopware, JTL, and WooCommerce
✗Weaknesses
- ●No installment option — invoice payment with 30-day terms only
- ●No public pricing — individual negotiation required
- ●Fewer shop plugins than Mondu (no Magento plugin)
Verdict:Thanks to its Klarna partnership and Stripe integration, Billie is the most widely distributed B2B BNPL provider in the European e-commerce ecosystem.
Visit website →4
CrefoPay (Lynck)
On request (individual)Payment GatewayRisk ManagementDSGVOServer DECrefoPay (Lynck)
▼On request (individual)
Payment GatewayRisk ManagementDSGVOServer DE
CrefoPay (Lynck)
On request (individual)CrefoPay (Lynck)
On request (individual)
CrefoPay by Lynck is the payment platform of Creditreform — Germany's largest credit agency with over 130,000 member companies. The solution combines real-time credit scoring based on the Creditreform database with dynamic payment method steering, fraud detection (AI-powered), and downstream receivables management including dunning and debt collection. Important: CrefoPay offers **no** default protection — the risk remains with the merchant.
Details
- Model
- On request
- Free trial
- ✗
- Server
- 🇩🇪 DE
- Founded
- 2023
- HQ
- Berlin, DE
✓Strengths
- ●Access to the Creditreform database — Germany's most comprehensive credit data
- ●Dynamic payment method steering based on individual risk profiles
- ●AI-powered fraud detection and receivables management
- ●B2B and B2C on one platform — ideal for hybrid models
- ●Shopware plugin available + OroCommerce partner
✗Weaknesses
- ●No default protection — the risk remains with the merchant
- ●No factoring or BNPL in the traditional sense
- ●Primarily focused on the German market
- ●No public pricing available
Verdict:CrefoPay offers the best credit data foundation in Germany thanks to Creditreform — but without default protection, it's more risk management than BNPL.
Visit website →5
Hokodo
On request (transaction-based)Buy Now, Pay Later (BNPL)Factoring / Receivables PurchaseTrade CreditDSGVOHokodo
▼On request (transaction-based)
Buy Now, Pay Later (BNPL)Factoring / Receivables PurchaseTrade CreditDSGVO
Hokodo
On request (transaction-based)Hokodo
On request (transaction-based)
Hokodo is a London-based B2B BNPL provider and the first of its kind to hold a full EU payments license (EMI, supervised by the Bank of Lithuania). The company offers invoice payment with 30-, 60-, and 90-day terms, with non-payment risk underwritten by SCOR SE (Lloyd's of London). Hokodo operates in 7+ European countries (UK, FR, DE, NL, BE, IT, ES) and has raised over $66M in total — most recently EUR 10M in April 2025 from Korelya Capital and BNP Paribas.
Details
- Model
- Per Transaction
- Free trial
- ✗
- Server
- —
- Founded
- 2018
- HQ
- London, GB
✓Strengths
- ●First full EU payments license (EMI) in the B2B BNPL segment
- ●Default protection underwritten by Lloyd's of London (SCOR SE)
- ●Pan-European coverage: UK, FR, DE, NL, BE, IT, ES
- ●Plugins for Magento and Shopify + open API
- ●BNP Paribas as strategic investor
✗Weaknesses
- ●No publicly communicated pricing
- ●No Shopware or WooCommerce plugin available
- ●No installment option — invoice payment only
- ●Servers not in Germany (Lithuania-based EMI license)
Verdict:Hokodo is the only B2B BNPL provider with a full EU payments license and Lloyd's of London backing — ideal for pan-European B2B merchants with high security requirements.
Visit website →6
iwoca
Pay Now: free; Pay Later: flexible fee per transactionBuy Now, Pay Later (BNPL)Trade CreditDSGVOiwoca
▼Pay Now: free; Pay Later: flexible fee per transaction
Buy Now, Pay Later (BNPL)Trade CreditDSGVO
iwoca
Pay Now: free; Pay Later: flexible fee per transactioniwoca
Pay Now: free; Pay Later: flexible fee per transaction
iwoca (est. 2012, London) is a B2B financing specialist in the UK and Germany with over 400 employees across London, Leeds, Berlin, and Frankfurt. The core product iwocaPay offers B2B invoice payment (Net 30) and installment plans (3 or 12 months) with credit lines up to £30,000. iwoca assumes full credit risk. Since 2012, over £3B in SME loans have been advanced, with total investment exceeding £1B.
Details
- Model
- Per Transaction
- Free trial
- ✗
- Server
- —
- Founded
- 2012
- HQ
- London, GB
✓Strengths
- ●Flexible fee model: Pay Now free, Pay Later customizable
- ●Full risk assumption — no recourse to merchants
- ●Plugins for Shopify, WooCommerce, Magento 2, and Xero integration
- ●Presence in UK and Germany (Berlin, Frankfurt)
- ●Over £3B in SME financing since founding
✗Weaknesses
- ●Credit lines capped at £30,000 — not suitable for large B2B transactions
- ●Primarily UK-focused, Germany operations still building
- ●No cross-border payments
- ●Core business is business lending — B2B checkout secondary
Verdict:iwoca is the UK-German B2B financing specialist whose iwocaPay product offers flexible invoice payment and installments with full risk assumption for SMEs.
Visit website →7
Klarna (B2B)
Transaction fee (B2B via Billie, on request)Buy Now, Pay Later (BNPL)Factoring / Receivables PurchaseDSGVOKlarna (B2B)
▼Transaction fee (B2B via Billie, on request)
Buy Now, Pay Later (BNPL)Factoring / Receivables PurchaseDSGVO
Klarna (B2B)
Transaction fee (B2B via Billie, on request)Klarna (B2B)
Transaction fee (B2B via Billie, on request)
Klarna (est. 2005, Stockholm) is the world's largest BNPL provider and went public on the NYSE in September 2025 at a valuation exceeding $15B. The B2B offering runs through a strategic partnership with Billie (since 2021): merchants activate Billie as a B2B payment method within their existing Klarna integration. Business customers receive credit lines up to €1M, 30-day payment terms, and real-time credit scoring. Billie assumes full credit and default risk. Available in 11+ European markets.
Details
- Model
- Per Transaction
- Free trial
- ✗
- Server
- —
- Founded
- 2005
- HQ
- Stockholm, SE
✓Strengths
- ●Seamless B2B activation within existing Klarna integration
- ●High B2B credit lines up to €1M per business customer
- ●Full credit and default risk assumed by Billie
- ●Available in 11+ European markets (DE, FR, NL, SE, NO, FI, AT, ES, DK, CH, UK)
- ●B2C + B2B BNPL from a single checkout integration — globally unique
✗Weaknesses
- ●B2B functionality is entirely provided by Billie — Klarna is only the checkout layer
- ●No standalone B2B installment plans (only 30-day payment terms)
- ●No public B2B pricing
- ●Dependency on two providers (Klarna + Billie) increases complexity
Verdict:Klarna B2B offers invoice payment with credit lines up to €1M across 11+ markets through the Billie partnership — ideal for merchants already using Klarna who want to add B2B checkout.
Visit website →8
Kriya
Transaction fee (on request)Buy Now, Pay Later (BNPL)Trade CreditFactoring / Receivables PurchaseDSGVOKriya
▼Transaction fee (on request)
Buy Now, Pay Later (BNPL)Trade CreditFactoring / Receivables PurchaseDSGVO
Kriya
Transaction fee (on request)Kriya
Transaction fee (on request)
Kriya (formerly MarketFinance, est. 2011) is a UK-based B2B payment and financing specialist, acquired by Allica Bank in October 2025. The platform offers Embedded PayLater (30/60/90 days), invoice finance, and working capital loans. Since founding, over £20B in B2B payments have been processed and over £4B in credit advanced — with the goal of deploying £1B in working capital finance together with Allica Bank by 2028.
Details
- Model
- Per Transaction
- Free trial
- ✗
- Server
- —
- Founded
- 2011
- HQ
- London, GB
✓Strengths
- ●Over £20B in B2B payments processed since 2011
- ●Full product portfolio: PayLater, invoice finance, working capital loans
- ●Partnership with Stripe for Embedded PayLater
- ●Bank-backed through Allica Bank acquisition — increased stability and capital access
- ●Integration for online and offline B2B sales
✗Weaknesses
- ●Primarily focused on the UK market — European expansion planned
- ●No public fees — pricing on request only
- ●Servers not located in Germany
- ●Post-Allica acquisition, product strategy evolution still unclear
Verdict:Kriya is the bank-backed UK B2B PayLater and financing specialist with over £20B in processed payments and European expansion plans.
Visit website →9MMondu
From approx. 2.49% per transaction (MDR)Buy Now, Pay Later (BNPL)Factoring / Receivables PurchaseTrade CreditDSGVOISO 27001Server DEMondu
▼From approx. 2.49% per transaction (MDR)
Buy Now, Pay Later (BNPL)Factoring / Receivables PurchaseTrade CreditDSGVOISO 27001Server DE
Mondu
From approx. 2.49% per transaction (MDR)Mondu
From approx. 2.49% per transaction (MDR)
Mondu is a Berlin-based B2B BNPL provider with its own EMI license (supervised by the Dutch central bank DNB) and ISO 27001 certification. The company offers invoice payment (30–90 days), installments (3–12 months), Digital Trade Accounts, and MonduSell for offline sales. With a 91% approval rate and credit limits up to EUR 1M, Mondu serves 30+ countries and secured a EUR 100M debt facility from J.P. Morgan Payments in 2025.
Details
- Model
- Per Transaction
- Free trial
- ✗
- Server
- 🇩🇪 DE
- Founded
- 2021
- HQ
- Berlin, DE
✓Strengths
- ●Own EMI license and ISO 27001 certification
- ●Broad product portfolio: invoice, installments, trade accounts, Pay Now
- ●91% approval rate with credit limits up to EUR 1M
- ●Ready-made plugins for Shopware, Magento, WooCommerce, JTL
- ●30+ countries covered across EU + UK
✗Weaknesses
- ●No publicly listed prices — individual MDR negotiation required
- ●Founded 2021 — relatively young company without decades of track record
- ●E-commerce focus — less suitable for purely offline business models
Verdict:Mondu is the European market leader in B2B BNPL with the broadest product portfolio, its own license, and strong international coverage.
Visit website →10
Nuvei
Custom pricing (by volume, industry, and risk profile)Payment GatewayDSGVOISO 27001Nuvei
▼Custom pricing (by volume, industry, and risk profile)
Payment GatewayDSGVOISO 27001
Nuvei
Custom pricing (by volume, industry, and risk profile)Nuvei
Custom pricing (by volume, industry, and risk profile)
Nuvei (est. 2003) is a global payment technology company headquartered in Montreal with a technology center in Israel. The company was taken private by Advent International for $6.3B in 2025 (previously NASDAQ/TSX-listed). Nuvei processes payments in 200+ markets with local acquiring in 50 countries, 150 currencies, and 720+ alternative payment methods. In 2023, Nuvei generated $1.2B in revenue.
Details
- Model
- On request
- Free trial
- ✗
- Server
- —
- Founded
- 2003
- HQ
- Montreal, CA
✓Strengths
- ●Massive global reach: 200+ markets, 720+ payment methods
- ●PCI DSS Level 1 certified and ISO 27001 compliant
- ●Azure partnership with Microsoft for AI-optimized transaction processing
- ●Local acquiring in 50 markets — reduces cross-border fees
- ●$1.2B revenue (2023) — established enterprise provider
✗Weaknesses
- ●Not a specialized B2B invoice payment or BNPL provider
- ●No public pricing — custom enterprise pricing
- ●Complex for small and medium businesses
- ●Servers not primarily in Germany
Verdict:Nuvei is the global payment infrastructure provider for enterprise clients with 200+ markets and 720+ payment methods — not a specialized B2B BNPL provider, but powerful B2B payment processing.
Visit website →11
Ratepay
On request (individual by volume)Buy Now, Pay Later (BNPL)Payment GatewayDSGVOServer DERatepay
▼On request (individual by volume)
Buy Now, Pay Later (BNPL)Payment GatewayDSGVOServer DE
Ratepay
On request (individual by volume)Ratepay
On request (individual by volume)
Ratepay is a white-label BNPL provider founded in Berlin in 2009, operating as an independent brand within the Nexi Group — Europe's leading PayTech company — since 2021. The company offers invoice payment (30 days), installments, SEPA direct debit, and advance payment, covering roughly 60% of the most popular payment methods in the DACH region. Ratepay provides payment guarantees for accepted transactions and operates both B2C and B2B invoice payment for the SME sector.
Details
- Model
- On request
- Free trial
- ✗
- Server
- 🇩🇪 DE
- Founded
- 2009
- HQ
- Berlin, DE
✓Strengths
- ●Part of the Nexi Group — Europe's largest PayTech company as backing
- ●White-label solution: fully customizable to merchant branding
- ●15+ years of experience in the DACH market (founded 2009)
- ●Broad payment portfolio: invoice, installments, SEPA, advance payment
- ●Shopware 5 & 6 plugins available + direct API integration
✗Weaknesses
- ●No international focus — primarily DACH + Netherlands
- ●No public pricing — separate contract with Ratepay required
- ●No true factoring with receivables purchase — payment guarantee instead
- ●Limited plugin selection (primarily Shopware)
Verdict:Ratepay is the most established white-label BNPL provider in the DACH market with the broadest payment portfolio and the stability of the Nexi Group behind it.
Visit website →12
Riverty
On request (individual by volume)Buy Now, Pay Later (BNPL)Factoring / Receivables PurchasePayment GatewayDSGVOServer DERiverty
▼On request (individual by volume)
Buy Now, Pay Later (BNPL)Factoring / Receivables PurchasePayment GatewayDSGVOServer DE
Riverty
On request (individual by volume)Riverty
On request (individual by volume)
Riverty (formerly AfterPay B2B / Arvato Financial Solutions) is the fintech division of Bertelsmann and one of Europe's largest payment service providers with over 5,000 employees across 13 countries. The company processes 80M+ transactions monthly and serves over 28M end customers. Riverty offers invoice payment, installments, SEPA direct debit, risk assessment, and ethical debt collection — for both B2C and B2B. Active markets include Germany, Austria, Netherlands, and Belgium.
Details
- Model
- On request
- Free trial
- ✗
- Server
- 🇩🇪 DE
- Founded
- 2001
- HQ
- Berlin, DE
✓Strengths
- ●Bertelsmann as parent company — maximum financial stability
- ●80M+ transactions monthly — proven scalability
- ●Comprehensive portfolio: invoice, installments, SEPA, risk, collections
- ●B2B and B2C on one platform
- ●Mollie partnership for broader shop connectivity
✗Weaknesses
- ●Complex brand history (AfterPay to Riverty) can cause confusion
- ●DACH + Benelux focus — no true international B2B coverage
- ●No public pricing — enterprise-oriented negotiation
- ●Less specialized in pure B2B BNPL than Mondu or Billie
Verdict:As a Bertelsmann subsidiary, Riverty offers the largest transaction base and broadest full-service portfolio in the DACH market — from invoice payment to collections.
Visit website →13SSprinque
On request (ceased operations May 2025)Buy Now, Pay Later (BNPL)Trade CreditDSGVOSprinque
▼On request (ceased operations May 2025)
Buy Now, Pay Later (BNPL)Trade CreditDSGVO
Sprinque
On request (ceased operations May 2025)Sprinque
On request (ceased operations May 2025)
Sprinque was an Amsterdam-based B2B BNPL platform specializing in cross-border B2B payments across Europe. The company offered invoice payment with 30-, 60-, and 90-day terms, split payments, and milestone-based payments with an approval rate exceeding 95%. Sprinque had raised approximately EUR 28M total (equity + debt) and was active in DE, ES, NL, and other EU markets. **The company ceased operations in May 2025** after market conditions and the investment climate tightened.
Details
- Model
- Per Transaction
- Free trial
- ✗
- Server
- —
- Founded
- 2021
- HQ
- Amsterdam, NL
✓Strengths
- ●Strong focus on cross-border B2B commerce
- ●Over 95% approval rate on credit checks
- ●Flexible payment models: net terms, split, milestones
✗Weaknesses
- ●Operations ceased May 2025 — no new customers possible
- ●No existing infrastructure or support available anymore
- ●Relatively small team and limited ecosystem during operation
Verdict:Sprinque was a promising cross-border B2B BNPL provider from Amsterdam that ceased operations in May 2025 — included here for completeness of the market overview.
Visit website →14
Tilta
Flexible per-transaction fees (on request)Buy Now, Pay Later (BNPL)Trade CreditDSGVOServer DETilta
▼Flexible per-transaction fees (on request)
Buy Now, Pay Later (BNPL)Trade CreditDSGVOServer DE
Tilta
Flexible per-transaction fees (on request)Tilta
Flexible per-transaction fees (on request)
Tilta is a Berlin-based fintech (est. 2022) offering white-label embedded finance infrastructure for B2B marketplaces and e-commerce platforms. Through a single RESTful API, business customers receive individual credit lines with payment terms of 30, 60, or 90 days. The company has raised over €34M in total, including a €30M debt facility from Fasanara Capital supporting approx. €250M in annual transaction volume.
Details
- Model
- Per Transaction
- Free trial
- ✗
- Server
- 🇩🇪 DE
- Founded
- 2022
- HQ
- Berlin, DE
✓Strengths
- ●White-label solution with full API integration
- ●Instant payout to sellers — zero default risk
- ●Flexible payment terms (30/60/90 days) and installment plans
- ●New revenue stream for marketplaces through financial service monetization
- ●German headquarters with regulatory framework
✗Weaknesses
- ●Young company (est. 2022) with limited track record
- ●No public pricing — terms available on request only
- ●Primarily focused on marketplaces, less on traditional B2B shops
Verdict:Tilta is the Berlin-based embedded finance infrastructure for B2B marketplaces looking to offer invoice payment and credit lines as a white-label solution via API.
Visit website →15
Two
On request (transaction-based)Buy Now, Pay Later (BNPL)Factoring / Receivables PurchaseRisk ManagementDSGVOTwo
▼On request (transaction-based)
Buy Now, Pay Later (BNPL)Factoring / Receivables PurchaseRisk ManagementDSGVO
Two
On request (transaction-based)Two
On request (transaction-based)
Two is a Norwegian B2B payments platform based in Oslo with proprietary AI credit engines (Delphi and Frida) that deliver credit decisions in under 2 seconds. The company offers invoice payment, installments (up to 24 months), trade accounts, and guest checkout — with 7x higher credit limits and 90% acceptance rate compared to traditional solutions. Two serves 200+ merchants across the Nordics, UK, and NL, and has raised over EUR 40M in total, backed by partnerships with Visa, ABN AMRO, Santander, and Allianz.
Details
- Model
- Per Transaction
- Free trial
- ✗
- Server
- —
- Founded
- 2020
- HQ
- Oslo, NO
✓Strengths
- ●AI credit engines Delphi & Frida: decisions in under 2 seconds
- ●7x higher credit limits than traditional providers
- ●Strategic partners: Visa, ABN AMRO, Santander, Allianz
- ●Installments up to 24 months available
- ●North American expansion planned (2025)
✗Weaknesses
- ●Geographic focus on Northern Europe — DACH coverage still limited
- ●No public pricing available
- ●Smaller ecosystem than Mondu or Billie
- ●No dedicated Shopware plugin yet
Verdict:Two stands out with its proprietary AI credit engines and the fastest credit decisions on the market — particularly strong in the Nordics and UK.
Visit website →How We Compared
For this B2B invoice payment provider comparison, we researched 15 providers — including BNPL services (Buy Now, Pay Later), factoring platforms, and trade credit solutions across the European market. Each provider was evaluated using the same criteria: payment terms (net 30–120 days), factoring and default protection, real-time credit scoring, pricing model and actual per-transaction fees, GDPR compliance and server location, and plugins for Shopware, Magento, WooCommerce, and Shopify. 15 of 15 providers explicitly advertise GDPR compliance, and 0 offer a free trial or sandbox access.
How to Use This Comparison
Use the filters above to narrow the list by fee model, GDPR status, free trial, or provider type. Click any provider card to read strengths, weaknesses, features, and our verdict. The full comparison table below shows all providers at a glance. **Our top picks at a glance:** - **Best all-rounder with factoring:** Mondu — 30+ countries, Shopware/Magento/WooCommerce plugins, from 2.49% per transaction - **Best for DACH + Klarna/Stripe users:** Billie — 11+ EU countries, Stripe integration, from 2.79% - **Best white-label provider:** Ratepay — invisible at checkout, Nexi/Nets network - **Best credit scoring:** CrefoPay/Lynck — Creditreform database, no factoring - **Best for pan-European trade:** Hokodo — EMI-licensed, proprietary credit models
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All B2B Payment Providers at a Glance
| App Name | Starting Price | Factoring | Real-Time Check | Cross-Border | GDPR | Free Trial |
|---|---|---|---|---|---|---|
| Allianz Trade | On request (premium based on revenue, industry, and risk class) | No | Yes | Yes | Yes | No |
| Bilendo | Value-based pricing (by number of active debtors and users) | No | Yes | Yes | Yes | No |
| Billie | From approx. 2.79% net per transaction | Yes | Yes | Yes | Yes | No |
| CrefoPay (Lynck) | On request (individual) | No | Yes | No | Yes | No |
| Hokodo | On request (transaction-based) | Yes | Yes | Yes | Yes | No |
| iwoca | Pay Now: free; Pay Later: flexible fee per transaction | Yes | Yes | No | Yes | No |
| Klarna (B2B) | Transaction fee (B2B via Billie, on request) | Yes | Yes | Yes | Yes | No |
| Kriya | Transaction fee (on request) | Yes | Yes | Yes | Yes | No |
| Mondu | From approx. 2.49% per transaction (MDR) | Yes | Yes | Yes | Yes | No |
| Nuvei | Custom pricing (by volume, industry, and risk profile) | No | Yes | Yes | Yes | No |
| Ratepay | On request (individual by volume) | Yes | Yes | No | Yes | No |
| Riverty | On request (individual by volume) | Yes | Yes | No | Yes | No |
| Sprinque | On request (ceased operations May 2025) | Yes | Yes | Yes | Yes | No |
| Tilta | Flexible per-transaction fees (on request) | Yes | Yes | Yes | Yes | No |
| Two | On request (transaction-based) | Yes | Yes | Yes | Yes | No |
Pricing and feature data from provider websites. Verify current pricing directly with providers.
Frequently Asked Questions About B2B Invoice Payment
What is B2B invoice payment (buy on account)?
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What is B2B invoice payment (buy on account)?
+B2B invoice payment (also "buy on account") means business customers order goods or services and pay after an agreed term (30, 60, or 90 days). A specialized payment provider typically handles credit checks, processes the payment, and in many cases assumes the non-payment risk (factoring). For merchants, this reduces risk while buyers benefit from flexible payment terms.
How much does B2B invoice payment cost for merchants?
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How much does B2B invoice payment cost for merchants?
+Fees typically range from 1.5% to 4.5% of transaction volume, depending on provider, industry, and risk class. Providers with factoring (default protection) tend toward the higher end. Mondu charges from approx. 2.49%, Billie from 2.79% net. Some providers like CrefoPay/Lynck charge no transaction fee but also offer no default protection. Additional costs may apply for setup, monthly base fees, or international transactions.
What is the difference between invoice payment and factoring?
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What is the difference between invoice payment and factoring?
+**Invoice payment** is the payment method: the buyer orders and pays after receiving the goods. **Factoring** is a financial services model: the provider purchases the outstanding receivable from the merchant and assumes the non-payment risk. In practice, most B2B invoice payment providers (Mondu, Billie, Hokodo) offer both as a combined package — the merchant receives funds immediately, the buyer pays later, and the provider bears the risk.
Which provider offers the best default protection?
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Which provider offers the best default protection?
+Mondu, Billie, Hokodo, and Two offer true factoring with full default protection — the merchant receives payment even if the buyer doesn't pay. Ratepay offers payment guarantees for accepted transactions. CrefoPay/Lynck (now Creditreform) offers excellent credit scoring based on the Creditreform database but **no** default protection — the risk remains with the merchant. For maximum security, we recommend providers with true factoring.
Do I need B2B invoice payment for my online shop?
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Do I need B2B invoice payment for my online shop?
+If you sell to business customers, invoice payment is almost always worthwhile: **87% of German B2B buyers** prefer buying on account. Without this option, you lose orders to competitors. Modern BNPL providers like Mondu or Billie integrate seamlessly into Shopware, Magento, WooCommerce, or via API — implementation often takes just a few days. Especially for merchants with average order values above €500, the 20–40% conversion uplift pays for itself.
Which B2B payment providers work internationally?
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Which B2B payment providers work internationally?
+For international B2B payments, top choices include: **Mondu** (30+ countries, EU + UK), **Hokodo** (pan-European, EMI-licensed), **Two** (Nordics + UK + NL, expanding), and **Billie** (11+ EU countries via Klarna partnership). Sprinque specializes in cross-border B2B commerce in Europe. CrefoPay, Ratepay, and Riverty primarily focus on the DACH market.
How does B2B invoice payment work at checkout?
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How does B2B invoice payment work at checkout?
+The process typically has three stages: **1. Credit check** — The buyer enters their company details at checkout; the payment provider runs a real-time credit check (providers like Billie or Mondu complete this in under 2 seconds). **2. Payment guarantee** — If approved, the merchant receives an immediate payment guarantee or payout (factoring). **3. Payment terms** — The buyer receives the goods and pays within the agreed payment terms (typically net 30 days). Dunning and collections are handled by the provider. Integration is via Shopware, Magento, or WooCommerce plugins or via API.
Which B2B invoice payment provider is best for my shop?
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Which B2B invoice payment provider is best for my shop?
+The choice depends on your requirements: **Best all-rounder with factoring:** Mondu (30+ countries, Shopware/Magento/WooCommerce plugins, from 2.49%). **Best for DACH + Klarna/Stripe users:** Billie (11+ EU countries, Stripe integration, from 2.79%). **Best white-label provider:** Ratepay (invisible at checkout, Nexi/Nets network). **Best credit scoring:** CrefoPay/Lynck (Creditreform database, no factoring). **Best for pan-European trade:** Hokodo (EMI-licensed, proprietary credit models). For shops with > €500 average order value and international customers, we recommend Mondu or Hokodo.
Which Shopware and Magento plugins exist for B2B invoice payment?
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Which Shopware and Magento plugins exist for B2B invoice payment?
+**Shopware 6:** Mondu (official plugin), Billie, Ratepay, Riverty, and CrefoPay/Lynck offer certified Shopware 6 plugins. **Magento 2:** Mondu, Ratepay, and Hokodo have official Magento plugins. **WooCommerce:** Mondu, Billie, Ratepay, and Riverty. **Shopify:** Mondu (Shopify Plus) and Hokodo. All providers also offer a REST API for custom integrations. Tip: Check the Shopware Store or Magento Marketplace to confirm plugin compatibility with your shop version.
What are the payment terms for B2B invoice payment?
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What are the payment terms for B2B invoice payment?
+Standard payment terms in B2B invoice payment are **net 30, 60, or 90 days**. Most BNPL providers like Mondu, Billie, and Hokodo offer 30 days by default with options for 60 or 90 days depending on creditworthiness. Ratepay supports flexible payment terms by agreement. Two offers 14 to 90 days. With factoring providers, the merchant receives payout regardless of payment terms — immediately or within a few days. The payment terms only affect the buyer.
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How We at IJONIS Can Help
Integrating B2B payment solutions into existing shop systems is technically demanding — from API integration to credit checking to checkout flow optimization. As an experienced agency for digital solutions, we support B2B merchants in choosing the right payment provider, technical integration, and conversion rate optimization.
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