“Can a French B2B construction e-commerce platform drive volume growth by embedding flexible trade credit and instalment financing directly at checkout?”
Founded in 2012, ACHATMAT pioneered B2B e-commerce for construction and industrial equipment in France under the BTP GROUP umbrella, operating specialist sites including Achatmat, Direct-cuves, and Direct-échafaudage. Initially limited to upfront card and bank transfer payments, the company recognised that B2B buyers need trade credit and deferred terms to manage cash flow. It embedded Hokodo for 30-day deferred payment and Hero for 3x instalment financing directly at checkout, transforming its sales model and reducing friction for professional buyers.
ACHATMAT processes payments through PayPal.
ACHATMAT's lending and capital products are provided by Hokodo.
The Embedded Finance Index 2026 maps 2 layers in ACHATMAT's stack: Payments / PSP (PayPal); Lending (Hokodo, 30-day deferred payment (B2B BNPL) and 3x instalment payment without fees).
ACHATMAT is founded in 2012 and headquartered in Holtzheim, Grand Est, France.
Get a read on where your own stack stands against ACHATMAT and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.