Best B2B BNPL Platforms for Packaging & Shipping Supplies Distributors

Packaging and shipping supplies distributors operate in a demanding environment where customers expect flexible payment terms, yet suppliers need immediate cash flow to maintain inventory and meet operational demands. B2B Buy Now, Pay Later (BNPL) platforms have emerged as a powerful solution, allowing you to offer net 30, 60, or even 90-day terms to your buyers while getting paid upfront. The global B2B BNPL market is on a steep growth trajectory, projected to expand from $199.2 billion in 2024 to $669.5 billion by 2029, reflecting its critical role in modern B2B commerce. We've analyzed the landscape to identify the top 10 platforms that best serve the unique needs of packaging and shipping distributors, with a focus on industry-specific features, risk management, and seamless integration.

Key Takeaways

• B2B BNPL platforms enable packaging distributors to offer net terms to customers while receiving immediate payment, transforming 30-90 day payment cycles into same-day cash flow
• Non-recourse financing eliminates credit risk for distributors by transferring the risk of customer non-payment to the BNPL provider, protecting your business from bad debt
• Industry-specific platforms understand the unique dynamics of packaging and shipping supply distribution, including bulk orders, seasonal demand, and working capital requirements
• Seamless ERP and accounting integrations automate the entire accounts receivable lifecycle, from credit checks to collections and reconciliation
• Geographic focus matters significantly when selecting a B2B BNPL provider, with specialized platforms serving US, European, DACH, and Nordic markets
• Flexible payment terms ranging from 7 to 120 days accommodate various customer needs and order sizes typical in packaging distribution
• AI-powered credit assessment and automated collections reduce administrative burden while maintaining professional customer relationships

1. Resolve Pay – Your Dedicated "Credit Team" for Packaging Distributors

For US-based packaging and shipping supplies distributors, Resolve Pay is a purpose-built solution designed to solve your specific cash flow and credit challenges. Resolve acts as your embedded "credit team on tap," streamlining the entire process from credit assessment to payment collection, so you can focus on sales and operations.

What Makes Resolve Pay the Top Choice for Distributors

• Industry-Specific Focus: Resolve explicitly targets packaging and label suppliers, understanding the unique dynamics of bulk orders, seasonal demand, and the need for working capital to keep shelves stocked. This deep industry alignment is rare in the BNPL space.
• Immediate Cash Flow: Resolve pays you up to 100% of the invoice value from approved customers, typically within 1 business day of billing. This means you can restock inventory and manage operations without waiting 30, 60, or 90 days for customer payment.
• Zero Risk to You: All cash advances are non-recourse, meaning the payment you receive is yours to keep permanently. Resolve assumes the full credit risk, handling underwriting, credit decisions, and the majority of the risk for late payments or defaults.
• End-to-End Automation: The platform manages the entire accounts receivable lifecycle, from AI-powered credit checks and automated invoice reminders to collections and reconciliation.

Integrated Platform for Growth

Resolve's platform is a modern alternative to factoring, combining embedded credit expertise, invoice financing, and payment processing into a single nerve center. Their white-label payment portal allows your customers to pay via ACH, credit card, wire, or check, enhancing their experience while you own the relationship. The system seamlessly integrates with leading accounting platforms like QuickBooks and NetSuite, and can connect to major ERP systems through API integrations, automating bookkeeping and reducing manual work. For distributors, this means a significant reduction in time spent managing receivables and a direct path to growing revenue by offering net terms.

2. Mondu

Mondu is a European-focused B2B BNPL platform with a dedicated solution for the packaging and printing industry. Their core promise is to help businesses unbox growth with hassle-free BNPL, directly addressing the need for flexible payment options to attract and retain customers in this competitive market.

Key Strengths for Distributors

• Dedicated Industry Solution: Mondu's specialized approach for packaging and printing demonstrates a clear understanding of the sector's needs, offering tailored payment plans that align with typical order sizes and cycles.
• Flexible Payment Options: They provide a combination of net terms (up to 90 days) and installment plans (3-12 months), giving buyers more ways to manage their cash flow on larger orders of supplies.
• Omnichannel Support: Mondu works seamlessly for both online storefronts and offline/telesales orders, a critical feature for distributors who handle a significant portion of their business outside of e-commerce.
• Strong European Foundation: Backed by an Electronic Money Institution (EMI) license from the Dutch central bank, Mondu is built for compliance and stability across the EEA and UK.

For packaging distributors with a strong European customer base, Mondu offers a reliable way to increase customer purchasing power and boost conversion rates without taking on the associated credit risk, which Mondu fully assumes.

3. Terms.Tech

Terms.Tech, developed by AREA42, is a platform that caters to both the packaging and container industry and the shipping and logistics sector. This dual focus makes it an ideal fit for businesses that operate at the intersection of these two worlds.

Why Distributors Choose Terms.Tech

• Industry-Specific Resources: The platform features dedicated resources for both packaging and shipping/logistics, signaling a deep understanding of the distinct and shared challenges in these verticals.
• Extended Payment Terms: Terms.Tech offers some of the most extended payment windows in the market, with terms stretching up to 120 days, which is ideal for large, capital-intensive orders common in shipping and industrial packaging.
• High Credit Limits: With backing from Credendo, a credit insurance leader, Terms.Tech can offer substantial credit limits—up to approximately $215,000—suitable for major distribution deals.
• Omnichannel Flexibility: They provide both a manual tool for processing offline orders and an API for e-commerce integration, ensuring all sales channels are covered.

By offering such long terms and high limits, Terms.Tech empowers distributors to facilitate larger transactions that might otherwise be lost due to the buyer's cash flow constraints.

• Geographic Focus: EEA and Switzerland
• Best For: Packaging distributors and shipping/logistics suppliers in Europe needing long-term, high-value financing solutions

4. Hokodo

Hokodo has carved out a niche in the freight, logistics, and third-party logistics (3PL) sectors. This specialization is a major asset for shipping supplies distributors whose customers are deeply embedded in the global supply chain.

Hokodo's Competitive Edge

• Freight Industry Expertise: Their platform is built with the specific invoicing and payment cycles of the freight industry in mind, making it a natural fit for related supply businesses.
• Omnichannel Capabilities: Hokodo supports transactions from online stores and telesales to in-store and marketplace checkouts, providing a consistent experience everywhere your customers buy.
• Significant Financial Backing: In April 2024, Hokodo secured a substantial credit line of approximately $107 million, demonstrating strong market confidence and the ability to finance transactions over the next two years.
• Flexible Terms: They offer a wide range of payment terms, from as short as 7 days to as long as 120 days, accommodating various customer needs.

For distributors whose primary customers are in the shipping and logistics space, Hokodo's vertical expertise provides an advantage in understanding and meeting their financial requirements.

5. Kriya

Kriya brings a rare combination of longevity and financial stability to the B2B BNPL market. Having been in operation since 2011, they have processed over approximately $35.5 billion in payments and have a proven track record of scale and reliability.

Why Stability Matters for Distributors

• Established Player: With over 12 years of experience, Kriya offers a level of maturity and operational history that newer fintechs cannot match, which is appealing for risk-averse businesses.
• High-Street Bank Backing: Kriya has been backed by investors including Barclays and Santander InnoVentures (Mouro Capital), providing a strong foundation of trust and capital. This backing ensures their credit lines are well-supported.
• Significant Scale: Kriya has demonstrated its ability to manage large volumes of B2B transactions effectively.
• Full Risk Assumption: Like Resolve, Kriya assumes the full credit risk on approved invoices, offering embedded invoice financing that protects the seller's cash flow.

For distributors who prioritize a long-term, stable partnership with a financially robust provider, Kriya is a compelling choice.

6. Billie

Billie is a B2B BNPL player in the DACH region (Germany, Austria, and Switzerland). Its market position and recent strategic partnerships make it a notable platform for distributors whose customer base is centered in these German-speaking countries.

Billie's Strategic Advantages

• DACH Market Presence: Billie has built a brand and market share in the economically powerful DACH region, making it a familiar option for local businesses.
• Major Bank Partnership: In May 2024, Billie announced a collaboration with BNP Paribas to create a pan-European B2B BNPL solution, signaling a commitment to growth and enhanced service.
• Developer-Friendly Integration: Their Stripe integration, announced in July 2024
• , allows for a plug-and-play BNPL integration for merchants, significantly speeding up onboarding.
• Flexible Payment Plans: Billie offers both net payment terms (up to 120 days in DACH) and a "Pay in 3" installment option, providing buyers with multiple ways to manage their payments.

For packaging distributors with a significant footprint in Germany, Austria, or Switzerland, Billie is a platform to consider for capturing more local business.

7. Two

Two, formerly known as Tillit, is a B2B BNPL platform that originated in Norway and has expanded its reach through financial partnerships. It's known for its efficiency in providing instant trade credit decisions.

Two's Key Offerings

• Instant Trade Credit: Two provides real-time net terms decisions at the point of checkout, streamlining the buying process and reducing friction for your customers.
• Financial Alliances: The company has formed strategic collaborations with banking institutions like Santander and insurance leaders like Allianz Trade, which enhances its risk management capabilities and financial strength.
• Comprehensive API: Their API is designed for efficient and seamless integration into a distributor's existing e-commerce or invoicing systems, ensuring a smooth implementation.
• Flexible Terms: They offer a wide range of payment terms, from 7 to 120 days, to accommodate various business needs.

For distributors with customers in the Nordic region or the UK, or those seeking a platform with institutional backing, Two presents a modern and scalable solution.

8. eCapital B2B BNPL

eCapital is more than just a BNPL provider; it's a full-service financial partner for SMBs, particularly in distribution and manufacturing. They offer BNPL alongside a suite of other financial products like factoring, asset-based lending, and supply chain finance.

Why eCapital is Unique

• Comprehensive Financial Suite: If your business has complex needs beyond just BNPL—such as inventory financing or a line of credit—eCapital can provide a one-stop-shop solution, simplifying your financial relationships.
• Distribution & Manufacturing Focus: Their marketing and case studies often feature freight factoring and manufacturing clients, showing an understanding of the supply chain and distribution landscape.
• Large Funding Network: With access to a network of funding partners, eCapital can often structure deals for complex or larger transactions that more specialized BNPL-only providers might not be able to handle.

For distributors who want a single financial partner for all their working capital needs, eCapital's broad product offering is an advantage.

9. Ratio Boost

While Ratio Boost is primarily focused on SaaS and tech companies, its integration capabilities make it a viable option for packaging distributors with sophisticated, subscription-based, or recurring revenue models (e.g., regular supply contracts).

Ratio's Core Strengths

• Integration Ecosystem: Ratio boasts an integration ecosystem, connecting seamlessly with multiple platforms including FreshBooks, QuickBooks, Oracle NetSuite, Xero, Stripe, and Chargebee.
• Growth Capital for Recurring Revenue: They offer financing based on a percentage of a company's Annual Recurring Revenue (ARR), which is suitable for distributors with predictable, recurring sales.
• Flexible, Non-Dilutive Funding: Ratio provides access to growth capital without requiring you to take on debt or give up equity in your business.

If your packaging distribution business relies on a strong tech stack and recurring customer agreements, Ratio's integrations can automate your finance workflow.

10. Affirm

Affirm is a well-known name in BNPL, having built its reputation in the B2C space. It is now expanding into B2B, leveraging its brand recognition and a key partnership with Amazon Business.

Affirm's Value in B2B

• Brand Recognition: Affirm's name is a trust signal for buyers, which can boost conversion rates at checkout.
• Amazon Business Partnership: Their collaboration with Amazon Business, announced in November 2023, provides a direct channel to a vast network of B2B buyers on one of the world's largest marketplaces.
• Transparent Pricing: Affirm is known for its transparent, no-hidden-fee pricing model, which can be a selling point for your customers.
• Proven Scale: With over 350,000 merchant partners and a large user base, Affirm offers a proven platform with immense reach.

For distributors who sell through Amazon Business or whose customers are already familiar with Affirm from their personal shopping, this platform offers a recognizable option to increase sales.

Streamlining Cash Flow for Packaging Distributors with Resolve Pay

Selecting the right B2B BNPL platform for your packaging and shipping supplies distribution business comes down to understanding your specific operational needs, customer base, and growth objectives. The platforms we've outlined each bring unique strengths to the table, whether it's geographic specialization, industry vertical expertise, or comprehensive financial services.

For US-based packaging distributors, Resolve Pay offers a comprehensive solution purpose-built for your industry. The platform's non-recourse financing model eliminates the credit risk that traditionally comes with extending net terms, while advancing up to 100% of invoice value within 24 hours. This transforms the typical 30-90 day payment cycle into immediate working capital, allowing you to restock inventory, invest in operations, and grow your business without the constraints of delayed payments.

What sets Resolve apart is its complete approach to the credit-to-cash cycle. From AI-powered credit assessment that delivers instant decisions, to automated collections management that maintains professional customer relationships, to seamless accounts receivable integration with your existing systems—Resolve acts as your dedicated credit team. For packaging distributors looking to compete on payment terms while protecting their cash position, this integrated approach offers a strategic advantage that goes well beyond simple payment processing.

Frequently Asked Questions

What is B2B BNPL and how does it benefit packaging and shipping supply distributors?

B2B BNPL allows your business customers to purchase your packaging and shipping supplies now and pay for them later in a single lump sum (net terms) or in installments. For you, the distributor, the key benefit is that a BNPL provider pays you upfront, often the same day, for the full invoice amount. This transforms your cash flow from a 30-90 day cycle into an immediate one, giving you the working capital you need to purchase more inventory, hire staff, and grow your business without the risk of late payments.

How does non-recourse financing work for my distribution business?

With non-recourse financing, when you send an invoice to an approved customer, the BNPL provider will advance you up to 100% of its value within a day or two. This advance is non-recourse, which is a critical distinction. It means that if your customer fails to pay the invoice 30, 60, or 90 days later, you do not have to repay the provider. The money is yours to keep, and the provider assumes the full risk of non-payment. This provides a risk-free way to improve your business's cash flow.

Can B2B BNPL platforms integrate with my existing accounting and ecommerce systems?

Yes, integration is a core feature of major B2B BNPL platforms. Leading solutions offer built-in integrations with ERP, accounting, and commerce platforms like QuickBooks, NetSuite, Oracle, Shopify, and BigCommerce. This ensures that all transactions are automatically synced, eliminating manual data entry and reconciliation errors, and keeping your financial records accurate in real time.

How do B2B BNPL platforms help in reducing credit risk and bad debt?

The primary way they reduce your risk is by taking it on themselves. These platforms act as your credit team, managing the entire credit approval, underwriting, and collections process. They use proprietary AI models and credit expertise to assess your customers' creditworthiness before approving a transaction. If they approve it, they assume the risk of late payment or default, shielding your business from the financial impact of bad debt.

What should I look for when comparing B2B BNPL platforms for my packaging distribution business?

Key factors to consider include: geographic coverage that matches your customer base, industry-specific expertise in packaging or shipping supplies, the level of credit risk assumed by the provider (recourse vs. non-recourse), integration capabilities with your existing systems, payment term flexibility (30-120 days), credit limit capacity for your average order sizes, speed of funding, and the comprehensiveness of the platform (credit assessment, collections, reconciliation). For US-based packaging distributors, prioritize platforms that understand the unique dynamics of bulk orders, seasonal demand, and working capital requirements specific to your industry.

This post is to be used for informational purposes only and does not constitute formal legal, business, or tax advice. Each person should consult his or her own attorney, business advisor, or tax advisor with respect to matters referenced in this post. Resolve assumes no liability for actions taken in reliance upon the information contained herein.