B2B Payments

Increase sales with our Buy Now, Pay Later solution for B2B.

B2B payment terms up to 120 days for European B2B merchants, marketplaces, and PSPs. Give your customers the flexibility and cash flow they need!

Trusted partner of ambitious players

AREA42 logo for Terms.Tech
Digiteal logo for Terms.Tech
Marjory logo for Terms.Tech
Credendo logo for Terms.Tech

What we offer

We offer a flexible and fast Buy Now, Pay Later payment solution that de-risks your B2B operation.

Bank Transfers

Buy Now, Pay Later

Card Payments

Debit card and credit card - one of Terms.Tech's payment services

Buy Now, Pay Later

We offer a flexible and fast Buy Now, Pay Later payment solution that de-risks your B2B operation.

Bank Transfers

Card Payments

Debit card and credit card - one of Terms.Tech's payment services

Use Terms.Tech’s B2B BNPL on its own, or combine it with our other B2B payment services

B2B payment methods are evolving rapidly. Deferred payment terms provide rapid funding to sellers and give buyers more time to pay.

Giving your customers the opportunity to buy now and pay later improves their cash flow and enables flexibility.

Wondering how Terms.Tech can help your business grow?

For every business

Our technological bricks easily adapt to the needs and specificities of all merchants, whatever your size or industry – from simple turnkey hosted solutions to fully embedded solutions.

Our Terms.Hosted manual tool allows you to:

  • Test our services before you integrate OR
  • Enter orders manually for a standalone solution

Our Terms.Direct REST APIs allows you to:

  • Quickly integrate our services into your ecommerce platform

Where we do business

Terms.Tech provides flexible payment terms services throughout the European Economic Area (EEA) as well as Switzerland.

Terms.Tech can also service buyers from countries outside the EEA / CH who hold bank accounts within the EEA, as long as they complete the same KYC process required for buyers from the EEA.

Terms.Tech and AREA42 are members of FinTech Belgium

Fintech Belgium logo for Terms.Tech

Check out our use cases

Food & Beverage

The food & beverage industry’s estimated worth was 5.34 trillion euros in 2022. That will push up to 8.47 trillion euros by 2027. Brick and mortar shops have traditionally carried out wholesale food & beverage buying and selling. Trade credit through payment terms has typically been offered manually. However, this changed in 2020 when we witnessed a massive shift to online purchasing.

Shipping & Logistics

Shipping & logistics is the backbone of international trade. Their value was over 8.4 trillion euros in 2021. The industry is projected to reach about 13.7 trillion euros by 2027. The rise of B2B e-commerce and the consequent growth of cross-border trade drives shippers to look for flexible and innovative payment options. Why? How do Terms.Tech payment solutions help?

Freelance and Contracting

Freelancing, the so-called “gig economy”, has been growing steadily for years. It is estimated that by the end of 2023, the global freelance market economy is likely to reach 415 billion euros. This number is set to nearly double by 2028. This context means there are ample opportunities for smart payment solutions and their inevitable evolution.

Agriculture

The agriculture industry plays a vital role in feeding the world’s population. It’s valued at over 11.24 trillion euros and projected to grow to 17.25 trillion euros by 2027. As the demand for agricultural products continues to rise, farmers and suppliers face various cash flow management challenges, particularly seasonality, investing in much needed agricultural equipment.

BNPL: Why offer Terms.Tech’s payment terms to buyers?

Terms.Tech takes the uncertainty away from you and your business customers. We give suppliers and merchants fast access to their funds while managing the risk of non-payment from buyers. Backed by the B2B expertise of Credendo, a leader in credit insurance for over 100 years, Terms.Tech combines rapid, advanced payments technology with risk-savvy financial expertise.

Liquidity & Payment Terms

Customers that are squeezed for cash? SMEs really worried about their cash flow? Worried that you’ll be paid late? These pain points disappear with Terms.Tech, provides the funds for your B2B transactions. You get paid up front and your customers can get the service or materials they need.

Our modular construction allows you to create solutions tailored to your customer’s needs.

Pay in 15 to 120 days
Pay in 3x or 4x
Recurring Payments
Subscriptions

Underwriting

Our credit risk algorithms combine extensive third party data with historical performance data. This ensures that you and your customers don’t miss any opportunities.

Our state of the art automated decision-making engine, combined with our team of trade credit risk experts, make us the best partner to grow your business safely.

Machine Learning
Credit Risk Reports
Customer Performance History
Non-Traditional Data Assessment

Risk Management & Collections

Terms.Tech is liable for losses due to non-payment. We apply a customer-friendly approach to early-stage collections and partner with a trusted third party for later-stage collections.

In addition to managing credit risk, we survey and protect your customers against fraud risks. Our team applies advanced analytics and real-time decisioning to maintain a trusted ecosystem.

Simple Integration

With our collection of REST APIs and webhooks, you can easily integrate our services. We supply whatever support your devs might need. From eligibility checks to refunds, from API integration to webhook notifications, we’ve got your devs covered.

Need additional support for complex e-commerce models? Our workflow experts and developers are here to help you set up B2B payment terms in no time.

Testimonials

Cédric Nève
Founder and CEO Digiteal

“At Digiteal, we love European solutions. With Terms.Tech, we found the perfect B2B BNPL solution to enable European e-commerces and marketplaces to improve the cash flow of both buyers and sellers. They are great partners as they find the business process that makes the most sense in every situation.”

Cedric Neve, Founder and CEO of Digiteal
Guillaume Conrate
Sales & Client Success Director, Marjory

“At Marjory, we provide a SaaS solution that enables Ecommerce Operator to design and build agile, cost effective integrations. Terms.Tech’s B2B payment terms product is the perfect complement to our suite of offerings for marketplaces. With Terms.tech, we meet our customers’ growing demand for BNPL with workflow designs that address the complex needs of B2B marketplaces”

Testimonials

Cédric Nève
Founder and CEO Digiteal

“At Digiteal, we love European solutions. With Terms.Tech, we found the perfect B2B BNPL solution to enable European e-commerces and marketplaces to improve the cash flow of both buyers and sellers. They are great partners as they find the business process that makes the most sense in every situation.”

Guillaume Conrate, Sales and Client Success Director of Marjory
Guillaume Conrate
Sales & Client Success Director, Marjory

“At Marjory, we provide a SaaS solution that enables Ecommerce Operator to design and build agile, cost effective integrations. Terms.Tech’s B2B payment terms product is the perfect complement to our suite of offerings for marketplaces. With Terms.tech, we meet our customers’ growing demand for BNPL with workflow designs that address the complex needs of B2B marketplaces”

Contact us

Robby Timmermans
Senior Account Manager

Hi, I’m Robby!
I’d love to discuss our B2B payment terms solutions with you and how we can help your operation. I’m looking forward to meeting you and answering all of your questions about Terms.Tech.