Billie

Overview

Founded in 2016 and headquartered in Berlin, Billie combines buy-now-pay-later and factoring for business purchases. Merchants can let buyers select a payment term while being paid upfront, a useful arrangement for sellers that want to improve purchasing flexibility without waiting for invoices to be paid.

The service is designed around merchant relationships rather than household spending. Its channels include online shops, telesales and in-person selling, and it provides a merchant dashboard. Billie supports sales to Germany, France, the Netherlands, Sweden, Norway, Finland, Austria, Spain, Denmark, Switzerland and the United Kingdom.

Key features

Repayment options run from 7 to 120 days; buyer-facing pay-later terms run from 30 to 120 days, with instalments also supported. This breadth can accommodate differing procurement cycles, although the term a buyer receives remains important to the transaction. On the Stripe offering, purchase limits reach up to €25,000 with a 30-day payment term.

Billie says merchants are paid the same day and that it assumes the full credit and default risk after a successful purchase. That is a substantial operational advantage for a seller that wants to offer credit without carrying the resulting collection and default burden.

Connection options include a REST API, SDK and shop plugins, plus integrations with Adyen, Klarna, Kustom, Mollie and Stripe. Merchant-platform support includes Shopware, JTL and WooCommerce. The range suits businesses with an existing commerce stack, while teams without development resources may prefer a plugin or payment-provider route over a direct integration.

Billie cards come as physical, virtual and single-use cards, with per-card limits and rules. DATEV and Lexware connections match receipts automatically and book transactions directly, which is particularly relevant to finance teams that need purchasing activity to flow into accounting. Cards are issued by Pliant Oy, an authorised electronic money institution regulated by Finland's FIN-FSA.

Payment and integration help is directed to Billie's help centre and developer portal. Its imprint says the chatbot resolves about 75% of enquiries immediately, but complex implementation or account questions may still require a support channel.

Pricing

Billie cards

The Billie cards plan is free, with no monthly fee or interest, no minimum spend and no contract term. It allows up to 45 days to pay. Foreign-currency transactions carry a 1% fee, so frequent international spending can materially change the cost despite the free base plan. The card limits and rules assigned per card also matter for teams managing several purchasers.

Billie business payments

Business-payment pricing is custom, with a demo request offered rather than a published subscription price. This is appropriate for merchants whose volume, channel mix and terms need a tailored commercial arrangement, but it prevents a quick self-serve cost comparison. Confirm fees and the applicable payment product before committing.

Platforms

Billie is offered on web, Android and iOS. Merchant checkout is described as omnichannel, spanning online, telesales and in-person sales. The integration catalogue covers direct API and SDK work, shop plugins and established providers including Stripe, Adyen, Klarna, Kustom and Mollie.

Who it's for

Billie is a strong fit for B2B merchants, marketplaces and digital platforms that need to offer invoice terms or instalments while preserving same-day cash flow. It is also well suited to finance-led organisations that can use DATEV or Lexware receipt and booking integrations, and to businesses selling across the supported European markets.

It is less compelling for a small seller seeking transparent, instant pricing or a consumer app for everyday purchases. The custom commercial process and business-specific credit terms require a more deliberate implementation decision.

Pros and cons

• Pro: Same-day merchant settlement improves cash flow while buyers receive payment-term flexibility.
• Pro: Billie says it takes full credit and default risk after approval, limiting the merchant's exposure.
• Pro: API, SDK, plugins and multiple payment-provider integrations cover varied commerce stacks.
• Pro: Physical, virtual and single-use cards, with DATEV and Lexware automation, extend the product beyond checkout.
• Con: Business-payment pricing is custom, making budget planning harder before a sales conversation.
• Con: The cards' 1% foreign-currency transaction fee disadvantages frequent cross-border spend.
• Con: Buyer eligibility, offered terms and limits still govern what a transaction can actually use.

Alternatives

Choose Buy Now, Pay Later Platforms when you want a broader directory of services before selecting a provider.

Tabby is a better match for consumer-facing checkout with a free Pay in 4 option and terms shown at checkout for longer plans. ViaBill suits shoppers needing a free 250 EUR credit line repaid in four monthly payments over one year.

Afterpay offers free Pay in 4 over six weeks, while Atome provides free Pay-in-3 in participating merchants' markets. PayJustNow is aimed at South African shoppers seeking three instalments with no interest or fees when paid on time.

Scalapay offers three- or four-instalment plans, with customer fees possible on Pay in 4. Tamara combines free three-payment plans with a paid Smart option, while Zilch is the choice for a rewards-oriented model with a free tier and a paid Extra plan.

Verdict

Choose Billie if you sell to businesses and need flexible payment terms, same-day settlement and outsourced buyer credit risk across several channels. Look elsewhere if you need openly published business-payment pricing, a consumer-first app or a product focused on one simple instalment schedule.