“Can Billie become the default B2B credit risk and invoice financing rail embedded inside every major European payment processor?”
Founded in 2016 as a pure B2B BNPL and invoice financing company, Billie built its own credit decisioning engine using machine learning for real-time business buyer risk assessment. Rather than staying a standalone checkout product, Billie pivoted toward becoming embedded infrastructure within third-party payment stacks — partnering with Adyen, then deeply integrating with Klarna (where Billie evaluates creditworthiness on Klarna's behalf and assumes credit risk) and Stripe. This positions Billie less as a direct-to-merchant B2B BNPL brand and more as a white-label B2B credit rail embedded inside major payment processors across Europe.