Billie
Billie is a Berlin-based B2B fintech offering Buy Now Pay Later solutions, including invoice purchase with terms up to 120 days, installment plans, and trade credit accounts, distributed primarily through Stripe, Klarna, Mollie, and Adyen to merchants across Europe.
- Company typePrivate
- Founded2016
- HeadquartersBerlin, Germany
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What Billie does
Billie GmbH is a Berlin-based B2B fintech founded in 2016 by the former team behind Zencap (later acquired by Funding Circle). The company operates a Buy Now Pay Later platform purpose-built for business transactions, offering invoice purchase (Kauf auf Rechnung) with payment terms up to 120 days, installment plans (Ratenkauf), recurring trade credit accounts (Trade Account), and a French-market SEPA Direct Debit product. Billie absorbs the full credit and default risk, paying merchants upfront while collecting from buyers over the agreed term.
The platform is built on proprietary machine-learning risk models that deliver real-time creditworthiness scoring, identity verification, and fraud detection at checkout, achieving 90%+ acceptance rates. Supporting infrastructure includes a REST-based API with v2 split-order capabilities, a merchant dashboard for order and customer management, and a buyer self-service portal. Distribution is overwhelmingly channel-led: Billie is natively integrated into Stripe (first B2B BNPL on Stripe Europe), Klarna, Mollie, and Adyen, enabling merchants to activate Billie with minimal engineering effort, plus direct API and Shopware/JTL plugins.
Billie earns revenue exclusively through merchant-paid transaction fees on each BNPL transaction. As of 2024, the platform serves 1M+ business buyers and 8,000+ active merchants, has processed more than 3 billion EUR in cumulative transaction volume, and operates across Germany, Austria, Sweden, the Netherlands, France, and the UK. The company is supervised by BaFin and secured $100M in Series C funding at a $640M valuation in October 2021, alongside a $200M refinancing facility from a consortium of German banks led by VVRB.
Billie firmographics
Firmographics- Name
- Billie
- Legal name
- Billie GmbH
- Website
- https://billie.io
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Billie is a Berlin-based B2B fintech offering Buy Now Pay Later solutions, including invoice purchase with terms up to 120 days, installment plans, and trade credit accounts, distributed primarily through Stripe, Klarna, Mollie, and Adyen to merchants across Europe.
- Ownership category
- akta.pro rank
Billie industry classification
Industry- Product category
- B2B BNPL Payment Processing
- NAICS
- Sales Financing (522220)
- SIC
- Personal Credit Institutions (6141), Finance Services (6199)
- akta.pro primary industry
- B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)
- akta.pro secondary industries
- Buy Now, Pay Later (BNPL) Platforms (BPAMAFAG), Merchant-Integrated BNPL (Checkout POS Financing) (FSAGAIAA), Merchant-Integrated BNPL (Online Checkout) (FSAKACAA), BNPL for High-Ticket / Longer-Term Installments (FSAKACAN)
Keywords
Where Billie is headquartered
LocationHeadquarters
- HQ city
- Berlin
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
Billie business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Transaction Fees: Billie charges merchants transaction fees when customers use BNPL at checkout. The merchant receives immediate payment while Billie assumes credit risk and collects from the buyer over the agreed payment term.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Pay by Invoice for Business Buyers |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels4 records
Billie product offering
Product offeringCore offering
Billie is a B2B Buy Now Pay Later (BNPL) fintech that enables business customers to purchase goods and defer payment up to 120 days via invoice, while merchants receive immediate upfront payment. Billie assumes the credit and default risk, performs real-time ML-based credit and identity checks at checkout, and serves merchants across onlineshop, telesales, in-person, marketplace, and platform channels in Europe.
Product overview
Billie is a B2B Buy Now Pay Later (BNPL) fintech platform based in Berlin, Germany, offering a unified product portfolio centered on invoice purchase (Rechnungskauf) as its core offering. The platform comprises three main products: Billie Pay by Invoice (primary BNPL product with 30-120 day payment terms), Billie Ratenkauf (installment payments), and Billie Trade Account (ongoing credit facilities). Supporting infrastructure includes the Merchant Dashboard for order/customer/payment management, Buyer Portal for end customers, and a REST-based Billie API for direct integrations. Additional products include Billie Boost (planned expansion with extended features) and SEPA Direct Debit for French customers. The platform is offered across multiple sales channels (Onlineshop, Telesales, In-person) and integrated natively via leading PSPs (Stripe, Klarna, Mollie, Adyen) as well as direct API and plugins for Shopware and JTL.
Differentiator
Problem solved
Functional benefit
Brands
- Billie Boost: Extended B2B BNPL product offering including longer payment terms, installment payment options, B2B marketplace features, and electronic invoicing capabilities.
Products and services
- Billie Pay by Invoice (Rechnungskauf) Core B2B BNPL product enabling business customers to purchase goods and pay invoices within 30–120 days, while merchants receive upfront payment. Includes real-time credit checks, identity verification, and full fraud and default protection.
- Billie Ratenkauf (Installment) Installment payment option allowing business customers to pay for B2B purchases in planned installments, complementing the standard invoice purchase product.
- Billie Trade Account Trade account solution providing business customers with ongoing credit facilities and payment management for recurring B2B purchases.
- Billie Merchant Dashboard Self-service merchant portal for managing orders, customers, and payments, including order status tracking, customer limit management, payment reporting, dunning management, and team user roles. Supports API v2 split-order functionality.
- Billie Buyer Portal Self-service portal where business buyers view, download, and manage Billie invoices and payment information after purchase completion.
- Billie API REST-based API enabling direct integration for online shops, marketplaces, and platforms to implement Billie B2B BNPL. Supports order creation, shipping confirmation, order modifications, partial shipping, refunds, returns, and webhook notifications. API v2 adds split-order capability.
- Billie SEPA Direct Debit (France) Pay Later payment method via SEPA Direct Debit for French business customers, where the outstanding amount is automatically debited from the buyer's bank account after the agreed payment term.
Quantifiable outcome
- 64% higher conversion rates for merchants
- +5 more outcomes
Companies that use Billie
Customer profileNamed customers7 records
Segments5 records
Ideal customer profiles3 records
Billie technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
AI capability3 records
Feature6 records
Billie partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core.
- StripecoreFirst B2B BNPL solution generally available on Stripe in Europe. Available for selected merchants in Germany, France, Netherlands. Full rollout planned for all Stripe merchants later in 2024.
- BNP ParibascorePan-European banking partnership supporting Billie payments and cash management in Germany, Netherlands, Sweden, and UK. BNP Paribas provides payment processing and settlement infrastructure supporting Billie's expansion strategy.
- Alibaba.comcoreBillie BNPL integrated into Alibaba.com checkout. Live in Germany, Austria, Sweden with expansion to other markets. Enabled via Klarna integration. Enables SME buyers to purchase globally with flexible payment terms.
- AdyencoreEurope-wide partnership enabling Adyen merchants to offer B2B BNPL. Live in Germany, Austria, Sweden, Netherlands with expansion to France, UK, Switzerland. All Adyen merchants worldwide can access Billie for domestic and cross-border transactions.
- MolliecorePan-European partnership allowing Mollie merchants to offer Billie BNPL. Available first in Germany with expansion to other European core markets. Billie appears as digital invoice purchase in Mollie dashboard.
- KlarnacoreWorldwide partnership enabling Billie BNPL for Klarna's 250,000+ merchants. Billie BNPL integrated into Klarna checkout without additional technical integration for merchants. Roll-out started in Germany Q1 2022 with expansion to other European markets.
Scale indicators14 records
Recent moves8 records
Expansion highlights6 records
Billie competitors and assessment
Company assessmentDirect peers
- Treyd: Nordic B2B BNPL provider offering invoice financing and trade credit to suppliers and buyers. Comparable in offering B2B-specific pay-by-invoice products and competing in overlapping European geographies (Sweden, DACH).
- Scalapay: Italy-headquartered BNPL platform serving both B2C and B2B merchants across Europe. Overlaps with Billie in merchant-integrated BNPL checkout and European expansion strategy, including France and the UK.
- Klarna: Global BNPL leader expanding from consumer into B2B; comparable in payment method structure and European merchant focus. Klarna is also a Billie investor and distribution partner, intensifying the competitive overlap.
- Hokodo: UK- and France-based B2B BNPL and trade credit platform offering invoice-based payment terms to business buyers. Directly competes with Billie in European B2B checkout financing, especially for SMBs and marketplaces.
- Alma: French BNPL provider offering pay-later and installment solutions to merchants, increasingly focused on B2B and high-ticket use cases. Comparable European footprint and merchant-integrated BNPL approach to Billie.
- Riverty: Bertelsmann-owned BNPL and payment services provider across Europe offering invoice, installment, and direct debit products. Direct competitor in B2B invoice purchase and BNPL categories, especially in DACH and Northern Europe.
Regional players
- Tamara: Saudi Arabia-headquartered BNPL provider expanding across the GCC and into Europe with pay-later and installment products. Comparable in BNPL product design and merchant integrations, but primarily serves a different regional market.
- Tabby: MENA-focused BNPL leader expanding internationally with both B2C and B2B offerings. Relevant comparable for product structure and merchant-integrated BNPL, though geographically distinct from Billie's European core.
Broad incumbents
- Adyen: Global payments platform and Billie distribution partner. Comparable as a B2B payment infrastructure provider for large merchants; Adyen could compete by expanding embedded financing offerings on its own rails.
- Stripe Capital: Stripe's working capital and financing product for businesses, embedded in the same checkout rails that distribute Billie. Represents both a partner (Billie's products run on Stripe) and a potential competitive incumbent for B2B financing at point of sale.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Billie social profiles
Digital presenceBillie compliance and trust
Trust signalCompliance1 record
Billie financial estimates
Financial estimateRevenue estimate
Valuation estimate
Billie leadership team
Management profileNumber of profiles
Profiles5 records
Billie funding detail
Funding detailFunding overview
Funding rounds5 records
Investors16 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Billie 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 Billie
What does Billie do?
Billie is a B2B Buy Now Pay Later (BNPL) fintech that enables business customers to purchase goods and defer payment up to 120 days via invoice, while merchants receive immediate upfront payment. Billie assumes the credit and default risk, performs real-time ML-based credit and identity checks at checkout, and serves merchants across onlineshop, telesales, in-person, marketplace, and platform channels in Europe.
Is Billie a public or private company?
Billie is a private company. It is classified as venture growth investor backed and is currently operating.
When was Billie founded?
Billie was founded in 2016. It employs 101 to 250 people.
Where is Billie based?
Billie is headquartered in Berlin, Germany, in the Europe region.
How does Billie make money?
One revenue line is on record: transaction Fees.
Who are Billie's main competitors?
Direct peers on record are Treyd, Scalapay, Klarna, Hokodo, Alma and Riverty. Regional players are Tamara and Tabby. Broad incumbents are Adyen and Stripe Capital.
Does Billie have an API?
Yes. Billie offers a REST-based Direct API for direct integration, as well as partner-based integrations via PSPs. The API supports order creation, customer management, payment management, and webhooks. Version 2 of the API enables split orders into multiple invoices. Documentation available at docs.billie.io with guides for API integration, partner integration via Klarna/Mollie/Adyen, and sandbox testing environment. Developer documentation is at docs.billie.io.
What industry is Billie in?
Billie's product category is B2B BNPL Payment Processing. Its primary akta.pro industry code is FSAGAIAC, B2B / Invoice-Based BNPL (Trade Credit at Checkout), with a secondary code of BPAMAFAG, Buy Now, Pay Later (BNPL) Platforms. Its NAICS code is 522220 and its SIC code is 6141.