B2B Payments
Increase sales. Give your customers the flexibility they need.
We offer flexible payment services up to 120 days. We’re custom-designed for European B2B merchants, marketplaces, and PSPs.
Trusted partner of ambitious players
What we offer
Terms.Tech provides simple, comprehensive and integrated B2B payment solutions.
Bank Transfers
Card Payments
Buy Now, Pay Later
B2B payment methods are evolving rapidly. Each adds value to businesses in increasingly competitive environments. Bank transfers are low-cost and reliable, but slow. Card payments provide instant responses and rapid funding, but are pricey. Deferred payment terms provide rapid funding to sellers and give buyers more time to pay. These payment terms cost about the same, or even less than, card payments. Having access to the complete suite of B2B payments enables businesses to meet customer needs by optimising which methods should be offered and when.
Wondering what payment options are best suited for your business?
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.
What do we offer?
Hosted solution
Perfect for multi-channel sales. Whether processing an order in-store, by phone or by email, your customers can use payment terms to pay now or pay later via our hosted solution.
Embedded solution
Designed for e-commerce platforms. From complex workflows for multi-party platforms to simple integrations with optimal user experiences.
How will you use it?
Hosted solution
Our hosted payment gateway redirects your buyers to a secured payment page that we manage. We set up the gateway for you. All you need to do is provide the payment link or trigger an automated email to your users at the point of sale.
Embedded solution
Our payment gateway will be embedded in your e-commerce or marketplace thanks to our REST APIs and webhooks. We purposely designed our APIs to integrate seamlessly into your existing infrastructure. If needed, our developers support you for a perfect fit.
Which solution is best for you?
Hosted solution
SMEs processing offline or seeking a test period before graduating to a full integration.
Embedded solution
B2B e-commerce platforms including marketplaces and other multi-party business models.
Benefits
Hosted solution
Quickly gain access to powerful payment tools without any technical integration. Get up and running in just a couple of days.
Embedded solution
Scale your business and improve sales conversion through our co-designed payment workflows.
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.
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
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.
Explainer Video
Your customers benefit from Terms.Tech’s payment terms solution not only because it covers the financial side, but also because it’s ridiculously easy to use at checkout.
Terms.Tech offers a customisable payment terms solution to B2B marketplaces, merchants and PSPs. So, if you’re looking to increase your – and your customers’ – sales, revenue, buying power, and cash flow, then this is the payment experience you’ve been looking for.
We take away the headaches by focusing on the pain points our customers have told us about. We provide liquidity, risk management, instant credit decisions, debt collection and straightforward and easy-to-use reporting.
A smooth checkout experience is one of the most important things! You don’t want customers abandoning their cart because the option they need isn’t there, or the process is too complicated. Click on the video and you’ll see how clear and easy to navigate check out can be when you use Terms.Tech.
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.
Click ‘Let’s meet!’ below and pick a time in my calendar. Or fill out the form in ‘Register now, start tomorrow’ and I’ll reach out to you.