Overview

Balance’s B2B BNPL is a fintech platform that enables B2B merchants and marketplaces to offer embedded Buy-Now-Pay-Later financing and net terms at checkout, allowing business buyers to defer payment (e.g., up to 60–90 days) while merchants receive upfront payment. The platform integrates payment processing, AI-powered credit underwriting, dynamic credit limits, and automated accounts receivable to reduce manual AR work and credit risk. It supports online and in-store B2B checkout with hosted and API-embedded options for a seamless buyer experience and scalable payment terms. Advanced merchant dashboards provide insights to optimize buyer spend and conversion.

Features and Capabilities

Core B2B BNPL Functionality: • Financing options with net 60/90 terms for qualified business buyers • Instant credit decisioning with a frictionless application flow • Upfront merchant payouts on approved transactions • Dynamic buyer credit limits based on repayment and purchasing behavior

Checkout & Integration Options: • Hosted credit application and payment portal for plug-and-play deployment • API-based headless checkout enabling fully customized user experiences • Integration across online and in-store B2B systems

Payments & Financing Infrastructure: • Support for credit cards, ACH, and wire transfers • Built-in risk management and AI-driven credit underwriting • Enterprise-grade security and compliance standards

Accounts Receivable Automation: • Automated reconciliation and payment matching • Centralized dashboard for buyer credit and transaction history • Reduced AR overhead and manual collections

Merchant Growth & Analytics: • Tools to increase conversion rates and average order value • Analytics dashboards revealing buyer behavior and spend trends • Platform capabilities designed to support scalable B2B growth