Overview

Balance B2B BNPL is a cloud-based payment financing solution that enables B2B merchants to offer flexible net terms (e.g., 30/60/90 days) at checkout, online or in-store, giving business buyers the ability to defer payments while sellers receive funds upfront. Built as part of Balance’s financial infrastructure platform for B2B commerce, it combines embedded credit application, AI-driven underwriting, dynamic credit limits, and seamless integration via plug-and-play UI or APIs. It’s designed to boost conversion, average order value, repeat purchases, and provide real-time credit decisioning without added operational overhead.

Features and Capabilities

Core Capabilities:

• Embedded B2B Buy Now, Pay Later offering for online & checkout experiences
• Support for flexible terms up to 90 days for approved business buyers
• Real-time automated credit approval & decisioning
• AI-powered risk infrastructure to maximize approvals and manage credit risk
• Dynamic credit limits based on buyer behavior and repayment history
• Beta-embedded financing portal & API headless integration options

Integration & Deployment:

• Plug-and-play hosted credit application & payment portal
• API-based headless checkout integration
• No ongoing maintenance – version updates managed by Balance
• Seamless buyer journey that feels like consumer-grade checkout
• Flexible use across ecommerce, marketplaces, in-store, or invoicing workflows

Merchant Benefits:

• Get paid upfront and in full while buyers defer payment
• Reduced operational burden with automated credit qualification
• Embedded finance that drives higher conversions and repeat purchases
• Built-in risk assumption so merchants avoid credit risk
• Unified dashboard reporting with buyer insights and transaction data
• Enterprise-grade security compliance infrastructure