Billie Bring Buy Now
“Can Billie become the dominant B2B BNPL infrastructure layer embedded inside Europe's major payment and checkout platforms?”
Founded in 2016, Billie GmbH emerged as a B2B-focused BNPL and invoice financing company targeting European e-commerce and B2B sellers. The company differentiated by embedding net-terms and pay-later products directly into merchant checkouts, using machine learning for real-time credit decisioning. Rather than building a standalone consumer product, Billie pursued a platform-distribution strategy—partnering with Klarna to power B2B BNPL inside Klarna's checkout (Klarna powered by Billie) and with Mollie to reach European SMB merchants. The strategic question is whether Billie can become the de facto B2B BNPL infrastructure layer embedded across Europe's major payment networks.