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SPECIFICTION
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Billie

billie.io

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Spec score 8.1 #8 of 26 in Buy Now, Pay Later Platforms

What it is

Billie provides B2B payment options for merchants selling through e-commerce, marketplaces, and digital platforms. Businesses can offer invoice payments, installments, and trade accounts, while Billie’s factoring and buy-now-pay-later services let buyers choose a payment term. Merchants are paid upfront, with same-day settlement, and can manage activity through a merchant dashboard. Checkout can run through online shops, telesales, and in-person sales. Repayment terms range from 7 to 120 days; buyer-facing pay-later terms range from 30 to 120 days. Integration options include a REST API, SDK, shop plugins, Adyen, Klarna, Kustom, Mollie, and Stripe; Shopware, JTL, and WooCommerce are also named as merchant platforms. Billie says it assumes the full credit and default risk after a successful purchase. Its Stripe page lists buyer purchases up to €25,000 with a 30-day term. Billie was founded in 2016 and is headquartered in Berlin. It is available on web, Android, and iOS. Business payment pricing is on request.

Spec sheet

Product
Billie provides B2B payment solutions, including invoice payment, installments, and trade accounts.Read 8 Oct 2026 · billie.io
Integrations
Integration options include direct REST API, SDK, shop plugins, Adyen, Klarna, Kustom, Mollie, and Stripe.Read 8 Oct 2026 · billie.io
Support
Billie directs payment and integration questions to its help center and developer portal; its imprint says the chatbot resolves around 75% of inquiries immediately.Read 8 Oct 2026 · billie.io
Headquarters
Berlin, GermanyRead 28 Sep 2026 · billie.io
Founded
2016Read 28 Sep 2026 · billie.io
Company
Billie GmbH lists its address as Am Postbahnhof 15, 10243 Berlin, Germany.Read 8 Oct 2026 · billie.io
Availability
The Stripe page lists merchant sales to Germany, France, the Netherlands, Sweden, Norway, Finland, Austria, Spain, Denmark, Switzerland, and the UK.Read 8 Oct 2026 · billie.io
Business model
Billie offers businesses factoring and buy-now-pay-later services for business purchases.Read 8 Oct 2026 · billie.io
Card accounting
The card page names DATEV and Lexware integrations and says receipts are matched automatically and transactions booked directly.Read 8 Oct 2026 · billie.io
Card features
Billie cards are described as physical, virtual, and single-use cards with per-card limits and rules.Read 8 Oct 2026 · billie.io
Credit risk
Billie says it assumes the full credit and default risk after a successful purchase.Read 8 Oct 2026 · billie.io
Merchant payment
Merchants are paid upfront while business buyers can choose a payment term.Read 8 Oct 2026 · billie.io
Payment limits
The Stripe page states buyer purchase limits of up to €25,000 and a 30-day payment term.Read 8 Oct 2026 · billie.io
Sales channels
Billie supports online shops, telesales, and in-person sales.Read 8 Oct 2026 · billie.io
Security and regulation
The card page says the cards are issued by Pliant Oy, an authorized electronic money institution regulated by Finland's FIN-FSA.Read 8 Oct 2026 · billie.io
Use cases
The product is presented for e-commerce merchants, marketplaces, and digital platforms selling to businesses.Read 8 Oct 2026 · billie.io

Plans and prices

Billie cards Free No monthly fee or interest; 1% fee on foreign-currency transactions No minimum spend or contract term · Up to 45 days to pay Read 8 Oct 2026 · billie.io
Billie business payments Priced on request Pricing not stated on the opened pages; demo request offered Read 8 Oct 2026 · billie.io

Every Billie plan and price →

Strong points and limits

Strong points

  • Same-day merchant settlement
  • Supports online, telesales, and in-person checkout
  • Offers invoice payments, installments, and trade accounts
  • Integrates through REST API, SDK, plugins, and platforms

Limits

  • Business payment pricing is on request
  • Billie cards charge a 1% foreign-currency transaction fee
  • Buyer-facing pay-later terms start at 30 days

Who it suits

It suits merchants selling to businesses through online shops, marketplaces, digital platforms, telesales, or in-person sales. Buyers can choose invoice, installment, or pay-later options where offered.

Verdict

Billie combines business payment options with upfront merchant payment and a range of sales channels.

Where Specifiction places it

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