Best Buy Now Pay Later (BNPL) — B2B Payments Companies

PayPal (NasdaqGS: PYPL) operates as a financial technology company. It specializes in digital payment solutions. The company offers a range of services, including digital wallets, money management, peer-to-peer transfers, merchant payment processing, and credit products. PayPal caters to individual consumers, small businesses, and large enterprises with tailored payment and financial services. PayPal was formerly known as X.Com. It was founded in 1998 and is based in San Jose, California.

Hokodo specializes in B2B (business-to-business) payment solutions, offering a digital platform for trade credit and financing services within various industries. The company provides credit terms to businesses, enabling a frictionless checkout experience and real-time credit decision-making. Hokodo's solutions cater to sectors such as B2B marketplaces, food and beverages, agriculture, industrial supplies, construction and building materials, freight and logistics, freelance and workplace management, and corporate travel. It was founded in 2018 and is based in London, United Kingdom.

Amount specializes in digital origination and decisioning within the financial technology sector. The company offers a platform that facilitates account origination for lenders, integrating decisioning for credit, fraud, and compliance, as well as customer journeys to support the lending process. Amount primarily serves regional and community banks, large commercial banks, and credit unions, providing them with tools for their operations. It was founded in 2014 and is based in Chicago, Illinois.

Balance specializes in B2B payment technology within the fintech industry. The company offers a range of services, including digital trade credit, B2B payments, and accounts receivable management, all aimed at facilitating and managing business transactions digitally. Balance primarily serves the eCommerce industry, tech teams, and business leaders. It was founded in 2020 and is based in New York, New York.

Billie specializes in BNPL payment methods for the B2B sector and offers digital payment services. The company's main offerings include modern checkout solutions that enable businesses to pay and get paid on their terms, with features such as upfront payment for sellers and flexible payment terms for buyers. Billie's services cater to a variety of sectors, including e-commerce, telesales, and in-person sales channels. It was founded in 2016 and is based in Berlin, Germany.

Credit Key specializes in providing B2B credit solutions within the financial services sector. The company offers instant business credit at the point of purchase, enabling merchants to increase revenue and improve cash flow by providing their customers with flexible payment options such as net terms and pay over time.  Credit Key primarily serves the eCommerce industry, offering a standalone module that integrates with various shopping cart platforms to facilitate real-time credit decisions and financing. It was founded in 2015 and is based in Los Angeles, California.

Jifiti provides embedded lending solutions within the financial services sector. The company has a platform that allows banks, lenders, and merchants to offer consumer and business financing options at points of sale, including online, in-store, and via call centers. Jifiti's platform includes financing options such as installment loans, lines of credit, split payments, and Buy Now, Pay Later services for B2C and B2B customers. It was founded in 2011 and is based in Columbus, Ohio.

Mondu specializes in Buy Now, Pay Later (BNPL) solutions for B2B transactions within the financial services sector. The company offers a suite of payment solutions that allow businesses to provide their customers with various deferred payment options, including flexible payment terms, installment plans, and digital trade accounts. Mondu primarily serves the ecommerce industry, B2B marketplaces, and multichannel sales sectors. It was founded in 2021 and is based in Berlin, Germany.

Ratio is a financial technology company providing financing solutions for SaaS and technology sectors. The company offers two products: Ratio Boost, a buy now pay later (BNPL) solution that allows SaaS companies to offer payment terms while receiving upfront payment, and Ratio Trade, which provides upfront capital based on the company's portfolio of customer contracts. Ratio serves the SaaS and tech industries, providing tools to support sales and optimize capital structure. It was founded in 2021 and is based in San Mateo, California.

Resolve specializes in digitizing and streamlining B2B sales processes within the financial technology sector. The company offers an end-to-end solution for net terms, including credit checks, invoice financing, accounts receivable automation, and payment processing. Resolve primarily serves manufacturers, wholesalers, and distributors looking to enhance their B2B sales and financial workflows. It was founded in 2018 and is based in San Francisco, California.

Slope specializes in B2B workflow automation within the financial technology sector. The company offers solutions for online payment processing, and flexible payment terms, and automates the entire order-to-cash cycle using its software and APIs. Slope primarily caters to businesses looking to streamline their financial operations and payment systems. It was founded in 2021 and is based in San Francisco, California.

Tino is a payment solutions provider that connects industries and distributors with merchants, operating within the financial services sector. The company offers a deferred payment platform that allows retailers to purchase goods from suppliers with extended payment terms and flexibility, enhancing cash flow management for small and medium-sized businesses. Tino primarily serves the B2B retail sector, offering payment plans and consolidated weekly invoicing to simplify financial transactions between merchants and suppliers. Tino was formerly known as TruePay. It was founded in 2020 and is based in Sao Paulo, Brazil.

TreviPay is a company that specializes in global B2B payments and trade credit within the financial technology sector. The company offers services including B2B payments, trade credit, accounts receivable automation, collections, fraud and risk management, and global compliance. TreviPay serves sectors such as manufacturing, retail, and transportation, providing solutions for the order-to-cash process. It was founded in 1978 and is based in Overland Park, Kansas.

Two specializes in B2B Buy Now Pay Later (BNPL) payment solutions within the e-commerce sector. The company offers services that enable merchants to provide high net term credit limits, manage credit and fraud risks, and streamline the checkout process for business customers. Two's solutions cater to various sectors, including construction, wholesale, B2B marketplaces, and SaaS. Two was formerly known as Tillit. It was founded in 2020 and is based in Oslo, Norway.

Xepelin is a financial technology company that provides business liquidity solutions within the financial services sector. The company offers services such as advancing invoice payments, financing supplier payments, and providing financial data management for businesses in need of immediate liquidity. It was founded in 2019 and is based in Las Condes, Chile.