Billink
- Company typePrivate
- Founded2009
- HeadquartersRotterdam, Netherlands
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
Billink firmographics
Firmographics- Name
- Billink
- Legal name
- Billink B.V.
- Website
- https://billink.nl
- Company type
- Private
- Founded year
- 2009
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Billink industry classification
Industry- Product category
- Buy Now Pay Later (BNPL) Payment Platform
- NAICS
- Sales Financing (522220), Activities Related to Credit Intermediation (5223)
- SIC
- Personal Credit Institutions (6141), Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Merchant-Integrated BNPL (Online Checkout) (FSAKACAA)
- akta.pro secondary industries
- Buy Now, Pay Later (BNPL) Platforms (BPAMAFAG), B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC), BNPL Servicing, Billing & Collections (FSAKACAH)
Keywords
Where Billink is headquartered
LocationHeadquarters
- HQ city
- Rotterdam
- HQ country
- Netherlands
- HQ region
- Europe
Offices1 record
Markets served
Billink business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Others
Revenue model
- Transaction Fees: Merchants pay a small fee per completed transaction. No subscription costs, no connection fees, no implementation costs. Fee structure is based on merchant annual e-commerce revenue tiers (Start-up up to EUR 500k, Business up to EUR 2M, Enterprise above EUR 2M).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Start-up: up to EUR 500k annual turnover - Basic features with fast integration |
| Transaction based/ take rate | Pay-as-you-go | Business: up to EUR 2 million annual turnover - Enhanced support and reporting |
| Transaction based/ take rate | Pay-as-you-go | Enterprise: from EUR 2 million annual turnover - Full-service enterprise solution |
Go-to-market motion4 records
Distribution channels5 records
Marketing channels7 records
Billink product offering
Product offeringCore offering
Billink is a Buy Now Pay Later (BNPL) payment platform for online retailers in the Benelux and Germany. It enables consumers to receive and inspect orders before paying within 14 days, while guaranteeing merchants full payout regardless of consumer default. The offering spans a consumer-facing post-payment service, a B2B invoice payment product for business customers (up to EUR 100,000), and the Billink One smart checkout solution launched in 2025.
Product overview
Billink operates as a unified BNPL (Buy Now, Pay Later) payment platform serving both B2C and B2B markets in the Netherlands and Benelux. The core product portfolio consists of Billink (consumer BNPL with 14-day payment terms and purchase protection), Billink One (next-generation zero-friction checkout with smart real-time verification), Billink for Business (B2B invoice payments up to €100,000), and the Billink App/Mijn Billink (consumer-facing mobile and web portals for order management). Additional services include Purchase Protection, Webshopcheck, and tiered merchant packages (Start-up, Business, Enterprise). The platform integrates with major e-commerce platforms and Payment Service Providers, with funding from a €29.5M raise in 2024 to expand into the German market.
Differentiator
Problem solved
Functional benefit
Brands
- Billink One: Zero-friction checkout solution launched in 2025 with smart technology and real-time checks (iDIN, address and age verification) providing 100% acceptance in checkout and purchase protection
Products and services
- Billink BNPL (Consumer Post-Payment) A Buy Now Pay Later payment service allowing online consumers to receive and inspect goods before paying within 14 days. Merchants receive guaranteed payout and benefit from increased conversion, reduced cart abandonment, and zero bad debt risk.
- Billink One A zero-friction checkout solution combining smart real-time verification (iDIN, address, age) with a built-in Fallback Flow that routes consumers to alternative payment methods without leaving the checkout, delivering 100% acceptance and purchase protection.
- Billink for Business (B2B Invoice Payments) A B2B invoice payment solution allowing business customers to pay on invoice up to EUR 100,000 with custom limits, 1-second credit checks, guaranteed merchant payout, and outsourced debtor management.
- Billink App (Mijn Billink) A consumer mobile application (iOS and Android) for managing Billink orders, viewing invoices, tracking purchases across webshops, and processing payments via iDEAL with real-time order visibility.
- Billink Webshopcheck A trust verification tool enabling consumers to check whether a webshop is reliable before making a purchase, helping identify potentially fraudulent websites.
- Billink Purchase Protection Automatic purchase protection included with every Billink order, allowing consumers to pause invoices when orders are delayed, damaged, or not delivered, with Billink mediating disputes between consumers and webshops.
Quantifiable outcome
- 49% of consumers cite reliability as reason for using Billink (want order in hands before paying)
- +3 more outcomes
Companies that use Billink
Customer profileNamed customers19 records
Segments4 records
Ideal customer profiles4 records
Billink technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration17 records
AI capability4 records
Feature8 records
Billink partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered core and minor.
- MolliecoreBillink is available as a payment option through Mollie PSP, allowing Dutch e-commerce merchants to integrate Billink BNPL via Mollie's platform
- BuckaroocorePayment Service Provider integration for Billink checkout functionality
- MultiSafepaycorePSP partnership enabling Billink post-payment integration
- ING CheckoutcoreIntegration with ING's checkout solution for BNPL payments
- AtradiuscoreCredit risk management partner for assessing business customer creditworthiness
- Allianz TradecoreTrade insurance partner for credit risk protection
- WebwinkelKeurminorWebshop certification partner for trust signals
- Stichting Webshop KeurmerkminorOfficial webshop quality mark certification body
- Thuiswinkel WaarborgminorDutch home shopping association quality guarantee
- ShopifycorePlatform partnership through which merchants can integrate Billink on Shopify stores
- WooCommercecoreFree WordPress/WooCommerce plugin for Billink integration
- MagentocoreIntegration plugin for Magento e-commerce platform
- LightspeedcoreIntegration with Lightspeed e-commerce and POS platform
- Flatline AgencyminorDigital agency partner co-hosting e-commerce events
Scale indicators6 records
Recent moves17 records
Expansion highlights5 records
Billink competitors and assessment
Company assessmentDirect peers
- Klarna: Global BNPL leader offering pay-later and pay-in-installments at online checkout. Direct competitor to Billink in merchant-integrated post-payment, with broader product breadth and deeper capital but overlapping core value proposition for consumers and merchants.
- Afterpay (Block): BNPL provider (now part of Block) delivering pay-in-4 and longer-term installments through merchant checkout integrations. Competes head-to-head with Billink on the same online post-payment use case for European merchants.
- Riverty: Bertelsmann-owned European BNPL and consumer credit provider active across DACH and Benelux. Closest direct competitor in Billink's home and expansion markets, with strong B2B invoice financing overlap.
- in3: Dutch BNPL player offering pay-in-3 installments at online checkout. Direct peer in the Netherlands BNPL market, also an existing Billink partner.
- Scalapay: European BNPL provider offering pay-in-3 at online checkout across Italy, France, Spain, Belgium, the Netherlands and Germany. Directly comparable offering and target merchant profile to Billink.
- Sezzle: Public BNPL company providing pay-in-4 and longer-term installments via merchant integrations. Comparable core model to Billink, with similar SMB-merchant go-to-market.
- Affirm: US-led BNPL platform offering pay-later and installment loans at online and in-store checkout. Comparable product mechanics and merchant acquisition motion, though primarily US-focused today.
- Billie: Berlin-based B2B BNPL/invoice financing provider offering pay-by-invoice for business buyers. Directly comparable to Billink's B2B invoice product up to EUR 100K, competing for the same merchant and B2B buyer base in DACH.
- Uncapped: UK-based revenue-based financing and BNPL provider for e-commerce and SaaS businesses. Closely comparable to Billink's B2B invoice financing value proposition, with similar target customers and risk-taking model.
Broad incumbents
- PayPal Pay Later: PayPal's integrated BNPL suite (Pay in 4, Pay Monthly) offered to millions of merchants globally. A broader incumbent that competes on the same checkout surface but as part of a full payments wallet rather than as a BNPL specialist.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks5 records
Key highlights7 records
Customer concentration
Billink social profiles
Digital presenceBillink compliance and trust
Trust signalCompliance3 records
Billink financial estimates
Financial estimateRevenue estimate
Valuation estimate
Billink leadership team
Management profileNumber of profiles
Profiles11 records
Billink funding detail
Funding detailFunding overview
Funding rounds2 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Billink M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Billink
What does Billink do?
Billink is a Buy Now Pay Later (BNPL) payment platform for online retailers in the Benelux and Germany. It enables consumers to receive and inspect orders before paying within 14 days, while guaranteeing merchants full payout regardless of consumer default. The offering spans a consumer-facing post-payment service, a B2B invoice payment product for business customers (up to EUR 100,000), and the Billink One smart checkout solution launched in 2025.
Is Billink a public or private company?
Billink is a private company. It is classified as venture growth investor backed and is currently operating.
When was Billink founded?
Billink was founded in 2009. It employs 11 to 50 people.
Where is Billink based?
Billink is headquartered in Rotterdam, Netherlands, in the Europe region.
How does Billink make money?
One revenue line is on record: transaction Fees.
Who are Billink's main competitors?
Direct peers on record are Klarna, Afterpay (Block), Riverty, in3, Scalapay, Sezzle, Affirm, Billie and Uncapped. PayPal Pay Later is listed as a broad incumbent.
Does Billink have an API?
Yes. Billink offers a public API for integrating its payment solution into webshops and platforms. Billink is described as an open-source platform that can be used by any webshop. Integration can be achieved via API or plugins, with most platforms linkable within 24 hours. Developer documentation is at developers.billink.nl.
What industry is Billink in?
Billink's product category is Buy Now Pay Later (BNPL) Payment Platform. Its primary akta.pro industry code is FSAKACAA, Merchant-Integrated BNPL (Online Checkout), with a secondary code of BPAMAFAG, Buy Now, Pay Later (BNPL) Platforms. Its NAICS code is 522220 and its SIC code is 6141.