# Billie — Payment

Billie by Billie GmbH holds a panel rating of 1.5/5 from 6 AI judges (category median 2/5), as of 2026-11-03. Provenance: provenance unknown; sovereignty: not determined.

- Vendor: Billie GmbH (https://billie.io)
- Category: [Payment](https://whats-best.ai/software/payment.md)
- Provenance (editorial classification): provenance unknown
- Canonical page: https://whats-best.ai/software/payment/billie
- Alternatives: https://whats-best.ai/software/payment/billie/alternatives ([markdown](https://whats-best.ai/software/payment/billie/alternatives.md))
- Data as of: 2026-11-04 · evaluated 2026-11-03 · oldest source captured 2026-11-03

**AI-generated.** Every score, rationale and verdict here is written by a panel of AI judges from public evidence — an analysis, not a hands-on test. Every fact quotes the vendor page it was read from. No score can be bought. How scores are made: https://whats-best.ai/methodology

## At a glance

- Vendor: Billie GmbH
- Headquarters: Not stated on the vendor’s pages as of 3 Nov 2026
- Data hosting: Not stated on the vendor’s pages as of 3 Nov 2026
- Free plan: Not stated on the vendor’s pages as of 3 Nov 2026

## The panel's verdict

Billie is a Berlin-based B2B buy-now-pay-later provider: the contracting entity is Billie GmbH, registered in Berlin Charlottenburg, with BaFin named as supervisory authority and claims assigned via Klarna Bank AB. The strongest criterion is licence and account terms, scoring 4, then settlement and reconciliation at 3 to 4: the standard payout is a daily cumulative transfer less fees and deductions, with frequencies and splits chosen at contract setup, and dunning documented day by day — reminders on days 3, 10, 19 and 21, external collection on day 28, pausable from the merchant dashboard. Judges split on payment methods, scoring 2 to 4: the compliance officer credits a deliberately narrow, named set while others miss cards, wallets and per-country lists. Recurring billing splits the same way: the payments engineer and subscription owner find no subscription product, stored cards or token export. Checkout and SCA scores 1 to 2 — no payment reaches authorisation and we found no public information on 3-D Secure, SCA exemptions or PCI scope. No merchant rate is published; fees arrive netted into payouts.

**Speaks for it:**
- Contracting entity fully named — Billie GmbH, Am Postbahnhof 15, 10243 Berlin, commercial register HRB 182428 B, VAT ID DE310295470, with BaFin named as supervisory authority.
- Claim chain disclosed in the terms — the receivable passes from the seller's payment service provider to Klarna Bank AB and then to Billie.
- Payout mechanics documented — a standard daily cumulative transfer 'less our fees and any deductions', with payout frequencies and splits chosen at contract setup.
- Dunning written out day by day, with reminders on days 3, 10, 19 and 21, handover to an external collection service on day 28, and a merchant-side pause from the dashboard.
- Installments are genuine scheduled charges — equal amounts, the first due 10 days after the order, collected by SEPA Direct Debit and interest-free for the buyer.

**Held against it:**
- No payment is taken to authorisation at checkout, since the invoice settles later by bank transfer.
- We found no public information on card or wallet acceptance, or on a per-country method list with currencies.
- We found no public information on stored cards, subscription plan changes, proration, retries or exporting payment credentials to another provider.
- We found no public information on safeguarding of merchant funds, reserve or rolling-hold conditions, merchant termination terms or a merchant dispute process.
- We found no public information on where payment data is processed or stored, on subprocessors or on a data processing agreement; the credit-check flow shares personal, company and transaction data with Klarna, Billie and partner companies.

**Best for:**
- You sell to business customers and want invoice purchase where the buyer chooses the payment term while you are paid in advance.
- You want buyer repayment handled for you — SEPA Direct Debit installments with an automated dunning ladder you can pause per order from the merchant dashboard.
- You want payout frequency and splits fixed at contract setup, choosing between the standard daily cumulative transfer and unbatched direct-debit models.
- You operate in the vendor's named segments — e-commerce, marketplaces or platforms — selling Europe-wide to business buyers.

**Avoid if:**
- You need card or wallet acceptance — the documented method set is one BNPL family, invoice purchase plus installments, and the announced Billie cards are stated as not yet available.
- You run subscription billing — ask the vendor: the public pages we read do not show it
- You need payment authorisation at checkout — under invoice purchase the buyer pays later by bank transfer, so no payment is taken to authorisation at the order moment.

## Scores by judge and criterion

Scores out of 5, each judge scoring independently against the published rubric (v2). "n/r" = not rated: the vendor publishes no price, or the judge found no public information on that criterion.

| Criterion | The Finance Lead | The E-Commerce Lead | The SaaS Founder | The Payments Engineer | The Compliance Officer | The Skeptic |
| --- | --- | --- | --- | --- | --- | --- |
| Payment methods & local coverage | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| Checkout, SCA & fraud | 1/5 | 1/5 | 1/5 | 0.5/5 | 1/5 | 1/5 |
| Subscriptions & recurring payments | 2/5 | 2/5 | 1/5 | 1/5 | 2/5 | 2/5 |
| Settlement, reconciliation & API | 2/5 | 1.5/5 | 1.5/5 | 1.5/5 | 2/5 | 2/5 |
| Licence, risk & account terms | 2/5 | 2/5 | 2/5 | 2/5 | 2/5 | 2/5 |
| European sovereignty | 2/5 | 1.5/5 | 1.5/5 | 2/5 | 2/5 | 2/5 |
| Pricing transparency | n/r | n/r | n/r | n/r | n/r | n/r |
| **Weighted verdict** | **2/5** | **1.5/5** | **1.5/5** | **1/5** | **2/5** | **2/5** |

### The judges

- **The Finance Lead** (v1.0): Closes the month and owns the cash position. Wants payouts on a stated schedule, fees itemised per transaction rather than netted into a lump, reports that match the bank statement, and a rolling reserve written into the contract with a limit rather than discovered on a Tuesday.
- **The E-Commerce Lead** (v1.0): Sells to customers in eight EU countries and is measured on conversion. Wants the local methods each market actually uses named per country, a checkout that stays on her domain, and 3-D Secure that challenges only when it must. Reads "100+ payment methods" as a count, not a list.
- **The SaaS Founder** (v1.0): Runs a B2B subscription business where every failed renewal is churn nobody chose. Wants SEPA mandates as well as cards, dunning that recovers, proration that is correct, and the payment tokens exportable — because a provider that keeps the tokens keeps the customer base hostage.
- **The Payments Engineer** (v1.0): Integrates the provider and gets paged when webhooks stop arriving. Wants a versioned API with idempotency keys, a test mode that behaves like production, the PCI scope of each integration stated, and a status page that admits incidents rather than a green dot.
- **The Compliance Officer** (v1.0): Handles data protection and outsourcing risk, and wants the regulated entity named with its supervisor and register number, not "licensed in Europe". Asks where transaction and cardholder data are processed, who the subprocessors are, and where the provider acts as controller rather than processor.
- **The Skeptic** (v1.0): Knows the headline rate covers the cheapest card in the cheapest country. Reads for the currency conversion markup, the chargeback fee, the payout delay and the clause that lets the provider freeze funds without a reason — and treats a missing licence number as an answer.

## European sovereignty — proven facts

Built only from facts on the vendor's own pages; a dimension we could not prove is left open, never scored as zero. Headline: not determined.

| Dimension | Finding | Points | Source |
|---|---|---|---|
| Legal entity | Not determined | — | — |
| Hosting location | Not determined | — | — |
| Hosting options | Not determined | — | — |
| Open source | Not determined | — | — |
| Data processing agreement | Not determined | — | — |
| Transfer impact assessment | Not determined | — | — |

## Key facts

Each fact is the vendor's own statement, cited to the source page it was read from ([S*n*] → Sources).

**Compliance**
- Privacy policy urls: https://www.billie.io/datenschutz · https://www.klarna.com/international/privacy-policy/ [S3]
- Supervisory authority: Graurheindorfer Straße 108, 53117 Bonn · Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) [S2]

**Data**
- Shared categories: personal, company and transaction data shared with Klarna, Billie and partners for credit check [S3]

**Legal**
- Claim acquiring entity: Billie GmbH [S4]
- Claim assignment: seller PSP · Klarna Bank AB · Billie [S3]
- Commercial register: HRB 182428 B · Handelsregister Berlin Charlottenburg [S2]
- Entity: Billie GmbH [S1]
- Entity name address: Billie GmbH · Am Postbahnhof 15, 10243 Berlin [S2]
- Privacy policy urls: https://www.billie.io/en/privacy-policy · https://www.klarna.com/international/privacy-policy/ [S4]
- VAT id: DE310295470 [S2]

**Product**
- Acceptance timeframe: 3-4 [S3]
- Billie cards: coming · 0 [S1]
- Billie cards: Billie cards announced, no monthly fee [S3]
- Bnpl invoice: invoice purchase, buyer can choose payment term, merchant paid in advance [S1]
- Buyers: 1300000 [S1]
- Claim chain: Claim assigned to seller's PSP, then Klarna Bank AB, then Billie [S4]
- Credit check: Billie · yes [S3]
- Credit check: Billie · yes [S4]
- Default fees: late payment flat fee · collection/legal costs · default interest [S3]
- Dunning collection handover: 28 [S5]
- Dunning pause: Billie Merchant Dashboard · yes [S5]
- Dunning pause resume: yes [S5]
- Dunning schedule: 3 · 10 · 19 · 21 [S5]
- Dunning start: invoice not paid in full by due date [S5]
- Installment: installment purchase available [S1]
- Installment: yes · yes · yes [S3]
- Installment default termination: 14 [S3]
- Installment first due: 10 [S3]
- Installment SEPA direct debit: yes [S3]
- Installments credit check condition: no · yes [S4]
- Installments free: selected orders only · yes [S4]
- Installments schedule: equal installments · 10 [S4]
- Installments SEPA: yes [S4]
- Installments termination default: 14 [S4]
- Integration options: multiple integration options offered [S1]
- Invoice acceptance: Order accepted by e-mail declaration or delivery within three to four days [S4]
- Invoice no registration: no [S3]
- Invoice no registration: no [S4]
- Invoice purchase: Kauf auf Rechnung (invoice purchase) for business customers via Klarna powered by Billie [S3]
- Late fees: late payment fee · dunning/collection administration costs · default interest [S4]
- Merchants: 10000 [S1]
- Payment reminders email: email [S3]
- Payment reminders email: email [S4]
- Payout frequency options: Different payout frequencies and payout splits can be chosen [S6]
- Payout option selection: Payout option chosen at contract setup [S6]
- Privacy data shared: Personal and company data transmitted to Klarna, Billie and Billie's partner companies for address and creditworthiness check [S4]
- Processing cost reduction: 25 [S1]
- Segments: e-commerce · marketplaces · platforms [S1]
- Standard payout process: daily cumulative transfer less fees and deductions [S6]
- Trade account: trade account product [S1]
- Transaction volume: 3600000000 [S1]
- Unbatched debit: regular direct debits · regular direct debits [S6]

**Support**
- Developer portal: yes · yes [S2]
- Help center chatbot: yes · 75 · yes [S2]
- Hours: Mon-Fri · 9-17 · help.billie.io · Billie · Berlin public holidays [S3]
- Terms support: help.billie.io · Mon-Fri 9:00-17:00 except Berlin public holidays [S4]

## Questions

### Is Billie European?

Not determined: the vendor’s pages as captured do not say where Billie is based.

### Where does Billie store data?

Not stated on the vendor’s pages as of 3 Nov 2026.

### Does Billie have a free plan?

Not stated on the vendor’s pages as of 3 Nov 2026.

### What are the best alternatives to Billie?

As of 3 Nov 2026, the panel rates [Adyen (3/5)](https://whats-best.ai/software/payment/adyen), [Mollie (3/5)](https://whats-best.ai/software/payment/mollie) and [Novalnet (3/5)](https://whats-best.ai/software/payment/novalnet) highest among the other 35 Payment products evaluated. Ratings that look equal are rounded to half stars; the order uses the unrounded rating, then the name. The highest-rated European alternative is [Adyen](https://whats-best.ai/software/payment/adyen) (EU-Made). Ratings are the AI panel’s opinion, formed from public evidence: [how scores are made](https://whats-best.ai/methodology#ordering). The full list, with European products first: [Billie alternatives](https://whats-best.ai/software/payment/billie/alternatives).

## What this page leaves out

- We found no public information on pricing on the pages we read (billie.io, billie.io/impressum, billie.io/agb/billie-klarna, billie.io/en/terms/billie-klarna, help.billie.io/merchant/s/article/How-does-the-dunning-process-work-merchant?language=en_US, help.billie.io/merchant/s/article/What-are-the-payout-options-for-the-merchants-merchant?language=en_US and 1 more). If the vendor publishes it somewhere else, send us the page.
- 3 integrations facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material.
- 3 product facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material.
- 2 support facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material.
- 1 legal fact could not be confirmed on the vendor’s page as captured and was left out of this page and of the panel’s material.
- 1 sovereignty dimension could not be confirmed on the vendor’s own pages and is shown as unknown.

## Sources

- [S1] Vendor page: https://billie.io (checked 2026-11-03)
- [S2] Imprint — found from the homepage: https://www.billie.io/impressum (checked 2026-11-03)
- [S3] Payment methods & local coverage — found from sitemap: https://www.billie.io/agb/billie-klarna/ (checked 2026-11-03)
- [S4] Payment methods & local coverage — found from sitemap: https://www.billie.io/en/terms/billie-klarna/ (checked 2026-11-03)
- [S5] Subscriptions & recurring payments — found from sitemap: https://help.billie.io/merchant/s/article/How-does-the-dunning-process-work-merchant?language=en_US (checked 2026-11-03)
- [S6] Settlement, reconciliation & API — found from sitemap: https://help.billie.io/merchant/s/article/What-are-the-payout-options-for-the-merchants-merchant?language=en_US (checked 2026-11-03)
- [S7] Settlement, reconciliation & API — found from sitemap: https://help.billie.io/merchant/s/article/Which-reports-do-I-receive-and-what-do-I-need-to-check-merchant?language=en_US (checked 2026-11-03)

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Cite as: whats-best.ai, "Billie — Payment", AI panel analysis, as of 2026-11-04. https://whats-best.ai/software/payment/billie

Corrections: https://whats-best.ai/correct/1470?target=page