Best BNPL for B2B: Top 7 Solutions for Business Payment Flexibility

Buy Now, Pay Later (BNPL) for B2B is revolutionizing how businesses manage payments and cash flow. We've analyzed the market's leading solutions to help you choose the right platform for offering flexible payment terms without the traditional risks.

Key Takeaways

• Resolve leads with 90% advance payment and non-recourse financing, delivering 30-40% AOV increases
• Market growing at 27.4% CAGR through 2029, reaching $669.5 billion projected value
• 20-30% higher conversion rates documented when B2B BNPL is offered
• Billie dominates Europe with €1M credit limits serving 750,000+ buyers
• Vartana achieved 600% YoY growth before Capchase acquisition in 2025
• Transaction fees average 4.84% according to merchant surveys

1. Resolve – The Complete B2B BNPL Solution for Growth

Resolve's B2B platform stands apart as the most comprehensive solution for manufacturers, distributors, and B2B marketplaces. As a spinout from Affirm, we bring proven fintech expertise to B2B payments, serving over 12,000 businesses and processing billions in credit.

Why Resolve Tops Our List

90% Advance Payment in 24 Hours: Unlike competitors offering 70-90% advances, our non-recourse financing pays you the full invoice amount upfront. You keep every dollar regardless of customer payment behavior—eliminating collection risk entirely.

Proven ROI That Transforms Businesses: Real customers see real results. Tern Bicycles achieved 30-40% increase in average order value while doubling buyer purchasing power. Marshall Wolf Automation streamlined dual-channel operations and eliminated backend bottlenecks through our NetSuite and BigCommerce integration.

AI-Powered Instant Approvals: Our Smart Credit Engine delivers real-time decisions, often instantly for purchases up to $25,000. This technology automates 80-90% of manual AR tasks, reducing your team's workload while accelerating sales cycles.

Seamless Integration Ecosystem: Our integration capabilities include:

• Native Shopify connection (2025 BigCommerce Innovative Integration Award winner)
• Direct integrations with Magento, WooCommerce, BigCommerce
• Enterprise ERP support for NetSuite, QuickBooks, Sage
• Proprietary single-click embedding technology
• Comprehensive REST API for custom implementations

Transparent, Competitive Pricing: Our pricing structure is straightforward:

• 3.15% on 30-day net terms
• Volume-based discounts for growing merchants
• No hidden fees or complex rate structures
• Zero interest or fees for buyers paying within terms

White-Label Brand Protection: Maintain complete control of your customer relationships. Our fully white-labeled payment portal ensures customers see only your brand throughout their payment journey. We handle the complexity while you own the experience.

Advanced Features That Drive Results

Automated Collections & Dunning: Our platform handles the entire collections process, from gentle payment reminders to escalated dunning sequences. This automation reduces DSO by an average of 15-20 days while maintaining positive customer relationships. Your team focuses on sales, not chasing payments.

Flexible Credit Limits: Unlike rigid traditional financing, we offer dynamic credit limits that grow with your customers' businesses. Starting limits typically range from $5,000 to $500,000, with the ability to request increases based on payment history and business growth. This flexibility enables you to capture larger orders without turning away business.

Real-Time Reporting Dashboard: Access comprehensive analytics showing approval rates, payment trends, customer credit utilization, and cash flow projections. Our accounts receivable automation provides visibility into every transaction, helping you make data-driven decisions about credit policies and customer relationships.

Dedicated Onboarding Team: Every new merchant receives personalized onboarding support, including integration assistance, staff training, and go-live support. Our team ensures your B2B checkout experience is optimized for conversion from day one.

Implementation & Support

Our Shopify integration enables instant application and approval directly in checkout. Dedicated support teams provide sub-24-hour response times on credit decisions, ensuring your sales never stall.

Best For

Resolve excels for US-based manufacturers, distributors, wholesalers, and B2B marketplaces seeking to:

• Eliminate cash flow gaps
• Increase average order values
• Automate receivables management
• Offer competitive payment terms
• Scale without credit risk
• Streamline multi-channel sales

2. Billie – European B2B BNPL Powerhouse

Billie dominates European B2B payments with 750,000+ business buyers and 5,500+ merchants. Founded in 2016 in Berlin, they've processed over 2.2 million orders across major European markets.

Key Strengths

• Longest payment terms: 14-120 days (industry-leading)
• Highest credit limits: €100,000+ per buyer
• European coverage: Germany, Austria, Sweden, Netherlands, France, UK, Switzerland
• Major partnerships: Alibaba.com partnership announced March 2024
• Enterprise clients: Samsung, Contorion case study

Best For

European mid-to-large businesses with cross-border transaction needs and longer sales cycles requiring extended payment flexibility.

3. Balance – AI-Driven Solutions for SMBs

Balance uses artificial intelligence to serve US small and medium businesses often overlooked by traditional lenders. Their Alibaba.com partnership launched June 2025 demonstrates strong marketplace capabilities.

Key Features

• AI-powered risk assessment for higher approval rates
• White-labeled checkout integration
• Focus on underserved SMB segment
• Real-time credit decisions
• Partnership with Instacart Business

Best For

US-based SMBs and B2B marketplaces seeking improved cash flow with AI-driven approval processes.

4. Vartana – Technology Company Specialist

Vartana, acquired by Capchase in June 2025, achieved 600% YoY growth focusing exclusively on tech companies and resellers.

Standout Features

• Longest enterprise terms: 12-60 months financing
• Highest approval rate: 85% automatic approvals
• Deep CRM integration: Salesforce, HubSpot
• Capital marketplace: Multiple funding partners
• Tech focus: SaaS, hardware, enterprise software

Best For

Mid-to-late stage technology companies closing large enterprise deals requiring extended payment flexibility.

5. TreviPay – Global Enterprise Platform

TreviPay brings 45+ years of experience with operations in 32 countries and 18-20 currencies. Their 2022 Apruve acquisition strengthened marketplace capabilities.

Enterprise Capabilities

• Omnichannel support (online, in-store, phone)
• Comprehensive API ecosystem
• Multiple funding options
• Industry-specific solutions
• Clients include GM, Best Buy, Air Canada

Best For

Global enterprises requiring comprehensive risk management across international markets.

6. Credit Key – Inclusive B2B Financing

Credit Key serves the broadest customer range from sole proprietors to enterprises, including nonprofits, educational institutions, and government entities.

Universal Features

• Instant decisions across all channels
• Net 30 to 12-month terms
• 48-hour merchant payment
• 90% risk assumption
• Patent-protected technology

Best For

Businesses needing flexible net terms across diverse customer segments including government and nonprofit sectors.

7. Apruve (TreviPay) – Marketplace Optimization

Apruve, acquired by TreviPay in December 2022, continues operating as a specialized B2B marketplace solution with presence in 32+ countries.

Marketplace Features

• Automated online credit programs
• Global lending network
• 24-hour payment guarantee
• Platform integrations (Shift4Shop, MIVA)
• Multi-vendor payment workflows

Best For

B2B marketplaces requiring specialized payment solutions with multi-vendor support.

Choosing Your B2B BNPL Partner

Selecting the right provider depends on several critical factors:

Geographic Needs: Resolve excels in the US market, Billie dominates Europe, while TreviPay offers global coverage.

Industry Focus: Our manufacturing expertise means purpose-built features for inventory businesses. Consider Vartana for technology or TreviPay for enterprise needs.

Integration Requirements: Evaluate compatibility with your tech stack. Our comprehensive API and checkout extensions ensure smooth implementation.

Payment Terms: Most businesses thrive with Net 30/60/90, but some need Billie's 120-day terms or Vartana's 60-month financing.

Implementation Best Practices

Start with a pilot: Test with select customers before full rollout to identify issues and build confidence.

Communicate clearly: Highlight BNPL availability early in sales conversations, not just at checkout.

Train your team: Position flexible payment terms as your competitive advantage.

Monitor metrics: Track usage rates, AOV improvements, and conversion lifts from day one.

Optimize continuously: A/B test terms, adjust credit limits, and refine approval criteria based on data.

The Future of B2B Payments

The B2B BNPL market projects 27.4% CAGR growth through 2029, reaching $669.5 billion. With businesses increasingly demanding flexible payment options, BNPL is becoming essential for competitive positioning.

AI will increasingly power instant decisions and risk assessment. Our AI engine already automates 80-90% of AR tasks—a capability becoming industry standard. Integration will expand beyond payments to encompass entire order-to-cash workflows.

Frequently Asked Questions

What is B2B BNPL?

B2B BNPL enables businesses to purchase with deferred payment terms (Net 30/60/90). Unlike consumer BNPL's small purchases and short terms, B2B handles larger transactions ($5,000-$100,000+) with longer payment periods. Learn more here.

How does B2B BNPL impact sales?

Research shows 20-30% increases in average order values when merchants offer BNPL options. Our customers specifically report 30-40% higher AOVs, with some seeing even greater increases.

What are typical fees?

Industry fees average 4.84% per transaction according to merchant surveys. Resolve charges 3.15% for 30-day terms—highly competitive with transparent pricing and no hidden charges.

Will BNPL increase my AOV?

Yes. Our customers report 30-40% higher average order values, consistent with industry research showing significant AOV lifts. Payment flexibility psychology removes budget constraints, enabling larger purchases.

How does credit assessment work?

Modern BNPL uses AI for instant decisions. Our Smart Credit Engine evaluates businesses in real-time, with many approvals happening instantly at checkout and complex cases within 24 hours.

What if customers don't pay?

With our non-recourse financing, you keep 90% of the advance regardless of payment behavior. We handle collections and assume all credit risk. Compare financing options.

Can I keep existing payment methods?

Absolutely. B2B BNPL complements current options. Customers choose between cards, ACH, wires, or BNPL at checkout. Our unified platform simplifies reconciliation.

Is my business ready for BNPL?

Consider BNPL if you're experiencing long sales cycles, losing deals to competitors' terms, managing receivables manually, or facing growth-limiting cash flow constraints. Visit our FAQ for detailed assessments.

Transform Your B2B Payments Today

The right B2B BNPL partner can revolutionize your payment operations, increase sales, and improve cash flow. While each provider offers unique strengths, Resolve's comprehensive platform with non-recourse financing, instant approvals, and proven ROI makes us the optimal choice for growing B2B companies.

Ready to offer flexible payment terms that accelerate growth? Explore our pricing or schedule a demo to see how we transform B2B payments.

Join 12,000+ businesses already using Resolve to modernize payment operations and accelerate growth. The future of B2B commerce is flexible, digital, and customer-centric—position your business for success today.

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.