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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
For distributors who prioritize a long-term, stable partnership with a financially robust provider, Kriya is a compelling choice.
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.
For packaging distributors with a significant footprint in Germany, Austria, or Switzerland, Billie is a platform to consider for capturing more local business.
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.
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.
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.
For distributors who want a single financial partner for all their working capital needs, eCapital's broad product offering is an advantage.
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).
If your packaging distribution business relies on a strong tech stack and recurring customer agreements, Ratio's integrations can automate your finance workflow.
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.
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.
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.
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.
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.
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.
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.
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.