Billie

Billie is a B2B payment service for merchants and the businesses that buy from them, offering invoices, installments and trade accounts. It is aimed at e-commerce sellers, marketplaces and digital platforms that need business payment terms across multiple sales channels. The best reason to choose it is moving credit risk and collection away from the merchant; custom pricing and business-market focus make it less suitable for consumer checkout needs.

Overview

Founded in 2016 and headquartered in Berlin, Billie combines factoring and buy-now-pay-later services for business purchases. Buyers can select a payment term while the merchant receives settlement upfront, making the service particularly relevant to sellers that want to extend credit without waiting for payment.

Billie supports online shops, telesales and in-person sales through an omnichannel checkout approach. It is a business infrastructure product rather than a general shopping app, so its value depends on having business customers and a need for structured payment terms.

Key features

Repayment terms run from 7 to 120 days, with buyer-facing pay-later terms from 30 to 120 days, plus installment options. That range can accommodate different purchasing cycles, although the term offered to an individual buyer will determine how useful it is in practice.

Merchants receive same-day settlement, and Billie says it assumes the full credit and default risk after a successful purchase. This is a substantial operational advantage for sellers that want predictable cash flow and do not want to carry customer-default exposure themselves.

Integration routes include a direct REST API, SDK and shop plugins, along with Adyen, Klarna, Kustom, Mollie and Stripe. Shopware, JTL and WooCommerce are also named merchant platforms. The range suits both an engineering-led integration and a packaged commerce setup, though each route will involve its own implementation work.

The Stripe payment setup states buyer purchase limits of up to €25,000 and a 30-day payment term. Merchants selling through that route can therefore support sizable orders, but should treat the stated limit and term as channel-specific rather than a universal promise.

Billie cards come in physical, virtual and single-use forms, with per-card limits and rules. DATEV and Lexware integrations match receipts automatically and book transactions directly, which is useful for finance teams that need card spending connected to accounting workflows. The cards are issued by Pliant Oy, an authorized electronic money institution regulated by Finland's FIN-FSA.

A merchant dashboard is provided. Payment and integration support is directed through the help center and developer portal, while the company says its chatbot resolves around 75% of inquiries immediately.

Pricing

Billie cards

The Billie cards plan costs free, with no monthly fee or interest. It has no minimum spend or contract term, allows up to 45 days to pay, and charges a 1% fee on foreign-currency transactions. It fits businesses wanting card controls and accounting connections without a recurring subscription; frequent overseas spending should account for the currency fee.

Billie business payments

Billie business payments uses custom pricing, with a demo request offered instead of a published rate. This is appropriate for merchants assessing a larger payment program, but it prevents a straightforward cost comparison before a sales conversation.

Platforms

Billie is available on Android, iOS and the web. Its merchant coverage includes online, telephone and face-to-face selling, with integrations spanning APIs, SDKs, plugins and major payment or commerce platforms.

Who it's for

Billie is a strong fit for e-commerce merchants, marketplaces and digital platforms selling to businesses in Germany, France, the Netherlands, Sweden, Norway, Finland, Austria, Spain, Denmark, Switzerland and the United Kingdom. It is also suitable for finance teams that value same-day cash settlement, controlled cards and direct accounting links. Consumer-focused retailers or sellers outside these markets should look elsewhere.

Pros and cons

Pros

• Same-day settlement: merchants receive funds upfront instead of waiting through the buyer's payment term.
• Risk transfer: Billie assumes full credit and default risk after a successful purchase.
• Broad integration paths: REST API, SDKs, plugins and named providers cover both custom and packaged implementations.
• Flexible business terms: repayment can run from 7 to 120 days, with installments available.
• Useful card controls: physical, virtual and single-use cards provide per-card limits and rules, with DATEV and Lexware accounting support.

Cons

• Custom pricing for business payments: merchants cannot judge the program's cost from a public rate.
• Foreign-currency card fee: the cards charge 1% on foreign-currency transactions.
• Business-only orientation: the product is designed for B2B sellers and is not a general consumer payment app.
• Regional reach: the named merchant markets are concentrated in Europe and the UK.

Alternatives

Buy Now, Pay Later Platforms is the broader category overview for comparing services. Choose Tabby when a freemium service with a free Pay in 4 option and Android, iOS, web and API coverage suits your checkout. ViaBill is an option for a free plan offering €250 credit over four monthly payments for one year.

Pick Afterpay for consumer-oriented Pay in 4 over six weeks, or Atome for Pay-in-3 with 0% interest at participating merchants. Scalapay offers three- or four-installment choices, while Tamara provides Pay in 3 and a paid Smart tier. Zilch suits users seeking rewards through Standard or Extra plans. PayJustNow targets South African shoppers with three-installment payments.

Verdict

Choose Billie if you sell to businesses and need buyer payment terms, same-day settlement and protection from post-purchase credit risk, with integrations that can match your commerce stack. Look elsewhere if you need consumer-first coverage, transparent business-payment pricing or markets beyond its stated European and UK reach.