Billie
Berlin, Germany
What it is
Billie provides business-to-business payment options for merchants selling through e-commerce, marketplaces and digital platforms. Its offerings include invoice payments, installments and trade accounts, alongside factoring and buy-now-pay-later services. Business buyers can choose a payment term while merchants are paid upfront; listed merchant settlement is same day. Checkout supports online shops, telesales and in-person sales. Repayment terms range from 7 to 120 days, while buyer-facing pay-later terms are listed at 30 to 120 days. A Stripe page gives buyer purchase limits of up to €25,000 and a 30-day payment term. Integration options include a REST API, SDK, shop plugins, Adyen, Klarna, Kustom, Mollie and Stripe, with Shopware, JTL and WooCommerce also named as merchant platforms. Billie says it assumes full credit and default risk after a successful purchase. Billie cards can be physical, virtual or single-use, with per-card limits and rules; cards have no monthly fee or interest and charge a 1% fee on foreign-currency transactions. Business payment pricing is available on request. Founded in 2016, Billie is headquartered in Berlin and lists Android, iOS and web platforms.
For and against
For
- Supports online, telesales and in-person checkout.
- Merchants receive same-day settlement.
- Offers invoice payments, installments and trade accounts.
- Integrates through an API, SDK and named platforms.
- Billie cards have no monthly fee or interest.
Against
- Business payment pricing is available only on request.
- Foreign-currency card transactions carry a 1% fee.
- Buyer-facing pay-later terms are listed as 30 to 120 days.
The verdict
Billie combines merchant payment options with business buyer repayment terms and same-day settlement.
Who it suits
Billie suits merchants selling to businesses through online, phone or in-person channels who want to offer invoice payment, installments or pay-later terms. Its cards may suit businesses seeking physical, virtual or single-use cards with per-card limits.
Plans and prices
Billie cards
No minimum spend or contract term · Up to 45 days to pay
Read 8 Oct 2026 · billie.io
Billie business payments
Pricing not stated on the opened pages; demo request offered
Read 8 Oct 2026 · billie.io
On the record
- Availability
- The Stripe page lists merchant sales to Germany, France, the Netherlands, Sweden, Norway, Finland, Austria, Spain, Denmark, Switzerland, and the UK.billie.io · read 8 Oct 2026
- Business model
- Billie offers businesses factoring and buy-now-pay-later services for business purchases.billie.io · read 8 Oct 2026
- Card accounting
- The card page names DATEV and Lexware integrations and says receipts are matched automatically and transactions booked directly.billie.io · read 8 Oct 2026
- Card features
- Billie cards are described as physical, virtual, and single-use cards with per-card limits and rules.billie.io · read 8 Oct 2026
- Company
- Billie GmbH lists its address as Am Postbahnhof 15, 10243 Berlin, Germany.billie.io · read 8 Oct 2026
- Credit risk
- Billie says it assumes the full credit and default risk after a successful purchase.billie.io · read 8 Oct 2026
- Integrations
- Integration options include direct REST API, SDK, shop plugins, Adyen, Klarna, Kustom, Mollie, and Stripe.billie.io · read 8 Oct 2026
- Merchant payment
- Merchants are paid upfront while business buyers can choose a payment term.billie.io · read 8 Oct 2026
- Payment limits
- The Stripe page states buyer purchase limits of up to €25,000 and a 30-day payment term.billie.io · read 8 Oct 2026
- Product
- Billie provides B2B payment solutions, including invoice payment, installments, and trade accounts.billie.io · read 8 Oct 2026
- Sales channels
- Billie supports online shops, telesales, and in-person sales.billie.io · read 8 Oct 2026
- Security and regulation
- The card page says the cards are issued by Pliant Oy, an authorized electronic money institution regulated by Finland's FIN-FSA.billie.io · read 8 Oct 2026
- Support
- Billie directs payment and integration questions to its help center and developer portal; its imprint says the chatbot resolves around 75% of inquiries immediately.billie.io · read 8 Oct 2026
- Use cases
- The product is presented for e-commerce merchants, marketplaces, and digital platforms selling to businesses.billie.io · read 8 Oct 2026
