What Terms.Tech does

Terms.Tech is a B2B Buy Now, Pay Later (BNPL) and payment-terms platform that enables European merchants, marketplaces, and offline B2B sellers to offer deferred payment terms of 30, 60, 90, or 120 days to business buyers. Merchants are paid 100% of the transaction value upon proof of delivery, while Terms.Tech assumes the full credit risk, fraud exposure, and debt-collection burden. The platform is operated by AREA42, the innovation hub of Credendo – Export Credit Agency, a Belgian government-backed export credit agency with over 100 years of credit-insurance experience that underwrites the credit risk.

The technology stack is a REST API with JSON request/response protocols and webhook-based event notifications, supporting eligibility checks, order management, refunds, and real-time decisioning. A proprietary in-house automated credit decisioning engine combines third-party data with historical performance data for near-instant eligibility and limit decisions (up to EUR 70k automated, up to EUR 200k via manual review). A modular, white-label architecture allows the solution to be embedded under a merchant's brand, and a turnkey hosted checkout supports offline sellers and small merchants with no integration. AREA42 also operates FacturFlow (invoice financing) and GrowKap (purchase order financing), with Terms.Tech positioned as the flagship BNPL product.

Terms.Tech operates across the entire European Economic Area plus Switzerland, charging merchants a per-transaction fee (no upfront or subscription costs), with buyer-side fees intended to be low-cost or free and set in partnership with sellers. Go-to-market combines a sales-led enterprise motion (named sales executives and customer success lead), an API-first integration model with public developer documentation, a product-led self-service manual tool for small merchants, and event-driven demand generation through European trade shows. The customer base spans multiple verticals including fintech, fashion retail, and clean energy, with named references including Portomundi, Humanoid, and Green-Go.

Name

Terms.Tech

Legal name

Credendo – Export Credit Agency

Website

https://terms.tech

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Terms.Tech is a B2B BNPL platform under AREA42 (Credendo's innovation hub) offering 30-120 day payment terms to European merchants and marketplaces, paying merchants 100% upon proof of delivery and absorbing all credit risk.

Ownership category

akta.pro rank

Product category

B2B Payment Terms / Trade Finance Platform

NAICS

Nondepository Credit Intermediation (5222), Sales Financing (52222)

SIC

Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

B2B BNPL (Invoice Split/Net Terms for SMB Procurement) (FSAKACAJ)

akta.pro secondary industries

B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC), BNPL for High-Ticket / Longer-Term Installments (FSAKACAN), Buy Now, Pay Later (BNPL) Platforms (BPAMAFAG)

Keywords

• B2B payment terms
• BNPL platform
• Trade finance
• Embedded payments
• Working capital

Headquarters

HQ city

Brussels

HQ country

Belgium

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure

Revenue model

1. Transaction Fee (per transaction): TermsTech charges merchants a fee per transaction processed. This is the primary revenue stream. There are no hidden fees; support and maintenance before and during launch are included. For buyers, fees are set in partnership with the seller and are intended to be low-cost or free.

Pricing tiers

Go-to-market motion4 records

Distribution channels4 records

Marketing channels8 records

Core offering

Terms.Tech is a B2B Buy Now, Pay Later (BNPL) and payment-terms platform that enables European B2B merchants, marketplaces, and offline sellers to offer 30, 60, 90, or 120-day deferred payment terms to business buyers while receiving 100% of the transaction value immediately upon proof of delivery. The platform absorbs all credit risk, fraud risk, and non-payment collections, and is delivered via REST API integration or a no-integration hosted checkout, with automated credit decisioning up to EUR 70k and manual review up to EUR 200k.

Product overview

Terms.Tech operates as part of AREA42, Credendo's innovation hub, offering a suite of B2B working capital solutions. The core product is TermsTech, a B2B BNPL/payment terms platform enabling merchants to offer 30-120 day payment terms to buyers while receiving immediate payment. This integrates alongside FacturFlow (invoice financing) and GrowKap (purchase order financing) as complementary working capital products. LAB42 serves as the innovation laboratory driving product development across the portfolio.

Differentiator

Problem solved

Functional benefit

Brands

• TermsTech / Terms.Tech: B2B Buy Now, Pay Later and payment terms solution providing 30, 60, 90, or 120-day deferred payment options for European B2B e-commerce, marketplaces, and offline transactions.

Products and services

• TermsTech B2B Buy Now, Pay Later (BNPL) solution that enables merchants, marketplaces, and offline sellers across the EEA and Switzerland to offer 30, 60, 90, or 120-day deferred payment terms to business buyers while receiving 100% of the transaction value immediately upon proof of delivery. Delivered via REST API integration or a no-integration hosted checkout, with automated credit decisioning up to EUR 70k and manual review up to EUR 200k.
• FacturFlow Invoice financing solution that enables businesses to receive immediate payment for issued invoices while offering buyers extended payment terms, structured without traditional factoring arrangements. Targeted at European businesses seeking working capital support outside of conventional factoring contracts.
• GrowKap Purchase order financing solution for growing companies that need additional working capital to purchase materials required to fulfill larger orders from bigger customers. Part of AREA42's working capital portfolio operated alongside TermsTech and FacturFlow.

Quantifiable outcome

• Merchants are paid 100% of transaction value upon proof of delivery
• +3 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

Eight partnerships are on record, tiered flagship, core and minor.

• PortomundiflagshipStrategic or Co-development PartnerPortomundi uses TermsTech to offer flexible top-up experiences to its users. TermsTech provides funds, gives users more time to pay, and has raised the bar for user support and success. The cooperation has led to increased administrative efficiency for the Portomundi user community.
• HumanoidflagshipStrategic or Co-development PartnerHumanoid (fashion brand/retailer) partners with TermsTech to offer flexible payment terms up to 90 days to boutique and warehouse customers. The partnership enables customers to stock up and grow their businesses while Humanoid receives immediate payment.
• Green-GoflagshipStrategic or Co-development PartnerGreen-Go (clean energy sector) uses TermsTech to offer flexible payment terms to customers, attracting new customers and achieving high approval rates. Green-Go's founder Donato Di Zenzo provides a testimonial citing robust risk management, high approval rates, and increased sales.
• DigitealcoreTechnology or IntegrationDigiteal is listed as a trusted partner of TermsTech/AREA42. An interview with Cédric Nève of Digiteal discusses B2B marketplace payments, BNPL, and collaboration between Digiteal and AREA42.
• DCA DistributionminorStrategic or Co-development PartnerDCA Distribution is listed as a trusted partner/ecosystem member of TermsTech/AREA42.
• Booster4BusinessminorStrategic or Co-development PartnerBooster4Business is listed as a trusted partner/ecosystem member of TermsTech/AREA42.
• FreshminorStrategic or Co-development PartnerFresh is listed as a trusted partner/ecosystem member of TermsTech/AREA42.
• House of ExecutivesminorGTM or Marketing PartnerAREA42 is co-sponsor of the CFO Day 2026 by House of Executives, a major European CFO networking and thought leadership event. This partnership supports brand visibility and GTM efforts among senior finance executives.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Hokodo: London-based B2B BNPL and trade credit platform offering embedded payment terms and invoice financing to European B2B merchants and marketplaces — directly comparable product offering and target customers to TermsTech.
• Billie: Berlin-based B2B BNPL provider offering buy-now-pay-later solutions for B2B transactions across Europe, including e-commerce and offline, serving SMBs — directly comparable to TermsTech's offering and European focus.
• Kriya Finance: UK-based B2B BNPL and embedded finance platform providing payment terms and working capital to B2B merchants and marketplaces — directly competes with TermsTech in the European B2B deferred payments space.
• Resolve (formerly FieldEdge): US-based B2B BNPL and net terms provider for B2B e-commerce and marketplaces — comparable offering but US-focused; a relevant competitor as European B2B BNPL players benchmark against Resolve's playbook.
• TreviPay: Global B2B BNPL and trade credit platform offering net terms, invoicing, and embedded payments for B2B transactions — comparable functionality to TermsTech with broader geographic reach.
• Apruve: US-based B2B payment platform offering net terms and credit lines to enterprises buying from suppliers — comparable B2B trade credit functionality with embedded API approach similar to TermsTech.
• Behalf: B2B financing platform offering short-term credit and net terms to SMBs for purchases from suppliers — comparable B2B trade credit offering.

Broad incumbents

• Credendo (parent context): Belgian export credit agency and parent of AREA42/TermsTech, providing credit insurance and trade credit solutions across Europe — relevant as the institutional backbone and as a broader incumbent in European trade credit.
• Adyen: Global payments platform increasingly offering B2B payment methods including B2B BNPL via embedded finance partnerships — a broad incumbent whose expansion into B2B credit terms represents competitive pressure on TermsTech.

Emerging players

• MangoPay: European payment provider offering marketplace payment infrastructure including escrow and payouts — overlapping with TermsTech's marketplace embedded finance use case but with broader payment orchestration focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/joinarea42

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Terms.Tech