“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.
Billie Bring Buy Now processes payments through Mollie and Worldpay for Platforms.
Billie Bring Buy Now's lending and capital products are provided by Billie GmbH (in-house).
The Embedded Finance Index 2026 maps 2 layers in Billie Bring Buy Now's stack: Payments / PSP (Mollie and Worldpay for Platforms); Lending (Billie GmbH (in-house), Billie B2B BNPL, Purchase on Account (Kauf auf Rechnung), Net Terms financing for business buyers and 2 others).
Billie Bring Buy Now is founded in 2016 and headquartered in Berlin, Germany.
Billie Bring Buy Now has raised $149.07M in total (latest round: Series C).
Get a read on where your own stack stands against Billie Bring Buy Now 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.