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Billie

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Panel rating · 6 judges · How to read the stars

Category median

Sovereignty: not determined

0–5 in half steps. 5 means the rubric's top anchor is met on the evidence.

by Billie GmbH · billie.io

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Billie: AI-assisted analysis on whats-best.ai Billie: AI-assisted analysis on whats-best.ai (dark)

Add ?theme=dark to the image address for dark backgrounds. The badge shows the category and the month of the latest evaluation, and EU-Made where that is the product’s provenance. It never shows a score.

Billie 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
Panel verdict
The AI panel rates Billie 1.5/5, the mean of 6 judges. 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. how scores are made
As of
Vendor pages captured 3 Nov 2026; evaluated by the panel 3 Nov 2026. all sources

Billie alternatives, European ones first →

Read this page as one judge. Each weighs the same scores by what they care about.

The Skeptic

Weighted verdict

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.

Same scores as the panel view — this lens weights them the way this judge cares.

Scored by The Skeptic

Panel median The Skeptic This judge’s scores over the panel median. Each label opens its reasoning below.
Scores per criterion, in stars out of 5
Criterion Panel median The Skeptic
Payment methods & local coverage 1 of 5 1 of 5
Checkout, SCA & fraud 1 of 5 1 of 5
Subscriptions & recurring payments 2 of 5 2 of 5
Settlement, reconciliation & API 2 of 5 2 of 5
Licence, risk & account terms 2 of 5 2 of 5
European sovereignty 2 of 5 2 of 5

Payment methods & local coverage

How this is scored

Which methods a European customer can actually pay with — cards and wallets, SEPA Direct Debit, and the local methods that decide conversion per country — judged on the named list per market rather than on a method count.

0 — Not a payment acceptance product; customers cannot pay through it.

3 — Card payments with the major schemes, plus wallets such as Apple Pay or Google Pay.

5 — Cards and wallets plus SEPA Direct Debit and several European local methods (for example iDEAL or Wero, Bancontact, Klarna, EPS) listed by name.

8 — Broad EU coverage named per country with the countries and currencies each method serves — including methods such as BLIK, TWINT, Przelewy24, EPS and Wero — multi-currency acceptance with settlement currencies stated, and which methods support refunds and recurring charges documented per method.

10 — Coverage is documented as a matrix a merchant can plan against: every method with its countries, currencies, refund, partial-capture and recurring support, and the provider's own acquiring versus third-party routing stated per method.

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The Skeptic

What a business customer can actually choose is narrow: pay the invoice by bank transfer, or split selected orders into interest-free installments collected by SEPA Direct Debit. We found no public information on cards or wallets — the Billie cards are announced as coming, without a monthly fee, and stated as not yet available — and no method is named per country despite buyers being described as Europe-wide. 1 3 4

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Checkout, SCA & fraud

How this is scored

The path from basket to authorised payment under PSD2: hosted and embedded checkout options, 3-D Secure and SCA exemption handling, fraud screening, and what the provider documents about keeping legitimate payments from failing.

0 — No checkout or payment form; the product does not take a payment to authorisation itself.

3 — A hosted payment page or payment links with 3-D Secure.

5 — Hosted and embedded checkout options, 3-D Secure 2 with SCA handled by the provider, and fraud screening with configurable rules.

8 — SCA exemptions (low value, transaction risk analysis, merchant-initiated) applied and documented, the PCI DSS scope of each integration type stated, fraud tooling with rules and risk scores exposed to the merchant, network tokens or account updater, and liability shift explained per flow.

10 — Authorisation is engineered and shown: exemption strategy documented, soft-decline retry handled, authorisation-rate reporting by method and issuer country, and a checkout the merchant can run in their own domain while staying at the lowest PCI scope.

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The Skeptic

The documented path is the buyer selecting the method during the ordering process and Billie then running an address and credit check, with 'different integration options' promised on the homepage. We found no public information on 3-D Secure, SCA exemptions, fraud screening rules or PCI scope — the only risk control shown is the credit check on the buyer, not payment authentication. 1 4

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Subscriptions & recurring payments

How this is scored

Charging the same customer again: card-on-file and merchant-initiated transactions, SEPA mandates, subscription logic and dunning — and whether the stored payment credentials can leave with the merchant.

0 — One-off payments only; the product stores no payment method for a later charge.

3 — Saved cards (card-on-file) charged again for repeat or recurring payments.

5 — Stored cards and SEPA Direct Debit mandates for recurring charges, merchant-initiated transactions, and subscriptions or scheduled payments with notification of failed payments.

8 — Subscription billing with trials, proration and plan changes, smart retries and dunning, card account updater, mandate management with pre-notification, and a documented process for exporting payment tokens to another provider.

10 — Recurring revenue is a first-class product: usage-based and invoice-based billing, dunning with measurable recovery, token migration in and out documented with a stated timeline and format, and recurring support stated for every local method that allows it.

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The Skeptic

The repeat-charging machinery that exists is one invoice split into equal installments: the first due ten days after the order, SEPA debits on each due date, default after fourteen days, and an automated dunning ladder — reminders on days three, ten, nineteen and twenty-one, handover to an external collection service on day twenty-eight — that merchants can pause from the dashboard. We found no public information on stored cards, subscription logic such as plan changes or proration, smart retries, or any way to take stored mandates to another provider. 3 4 5

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Settlement, reconciliation & API

How this is scored

Getting the money and knowing what it was: payout cadence and currencies, fee itemisation per transaction, reports that match a bank statement, and an API and webhooks a team can build finance processes on.

0 — No merchant reporting: the product is a payment button or link with no dashboard, report or API.

3 — A dashboard of transactions and payouts, a stated payout schedule, and CSV export.

5 — The payout schedule stated, reports or exports that link each payout to its transactions and fees, and a documented API with webhooks and a test mode.

8 — Configurable payout schedules and settlement currencies, reconciliation reports that match bank lines, accounting integrations or exports named, a versioned API with idempotency and published rate limits, and a public status page with incident history.

10 — Finance can close the month from the provider's data: interchange and scheme fees itemised per transaction, automated reconciliation to the ledger, a deprecation policy for the API, and full historical data exportable after the contract ends.

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The Skeptic

Payout handling is documented unusually concretely: a standard daily cumulative transfer 'less our fees and any deductions', net-unbatched and gross-unbatched alternatives involving regular direct debits from the merchant's bank account, and payout frequency and splits chosen at contract setup. A merchant dashboard and a developer portal exist and a help article on which reports merchants receive was captured, but no report contents, fee itemisation, webhooks or test mode are confirmed in the captured facts — and the fees deducted from payouts are never given a figure. 2 5 6 7

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Licence, risk & account terms

How this is scored

Who holds the merchant's money under which licence, and what the contract lets the provider do on a bad day: freezes, reserves, termination, chargebacks. Scored on what the terms and the imprint state, not on reputation.

0 — The terms let the provider freeze funds or close the account at any time with no notice, reason or timeline.

3 — The regulated entity or the licensed partner behind the payments named, and a chargeback or dispute process described.

5 — The regulated entity named with its supervisor or licence type, the dispute process and chargeback fee published, and either safeguarding of merchant funds or a notice period for ordinary termination stated.

8 — Entity, supervisor, register number and passporting stated per country; safeguarding stated; reserve and rolling-hold conditions defined with limits and release timelines; freeze and termination terms with reasons and a route to appeal; PCI DSS level and attestation published.

10 — The bad day is written down: every regulated entity in the chain named with register links, reserve calculation disclosed, funds release timelines after termination committed, a documented complaint route to the supervisor, and exit terms that include handing back payment tokens and transaction history.

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The Skeptic

The imprint identifies Billie GmbH with a Berlin address, commercial register number and VAT ID, names BaFin as the supervisory authority, and the payment chain through the seller's PSP and Klarna Bank AB to Billie is spelled out. But the captured terms govern the business customer who owes the invoice — complete with that customer's late-payment flat fee, collection costs and default interest — and we found no public information on safeguarding of merchant funds, reserve or rolling-hold conditions, freeze and termination terms for merchants, or a merchant dispute process. 2 3 4

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European sovereignty

How this is scored

Who the contracting and regulated entity is, and where transaction and cardholder data are processed and stored. Independently sourced by the sovereignty pipeline. The card schemes are US-based for every provider, so the scheme layer is not held against any one vendor; the part the vendor controls is.

0 — Contracting entity and processing of payment data both shown to be outside the EU, with no transfer safeguard stated.

3 — A named contracting entity and a privacy policy or data processing agreement; the processing location of payment data not stated or partly outside the EU.

5 — An EU contracting or regulated entity, with EU processing of core payment data stated or a subprocessor list published, and a data processing agreement offered.

8 — EU entity and EU licence, payment and cardholder data processed and stored in the EU on named infrastructure, subprocessor list published with locations, and a DPA covering the processing the provider does as processor versus as controller.

10 — Sovereign end to end and evidenced: European ownership, EU entity and licence, every processing location and subprocessor European, European rails (SEPA, Wero or national schemes) offered alongside cards, and certifications published.

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The Skeptic

The captured pages place the contracting entity squarely in Europe: Billie GmbH in Berlin, entered in the commercial register of Berlin Charlottenburg, with BaFin named as supervisory authority and privacy policies published for both Billie and Klarna. Beyond that it goes dark — we found no public information on where payment data is processed or stored, on subprocessors, on hosting, or on a data processing agreement — while the ordering flow shares personal, company and transaction data with Klarna and unnamed partner companies for credit checks. 2 3 4

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Pricing transparency not rated — the vendor publishes no price

How this is scored

Whether a merchant can compute the effective fee for their own mix of cards, countries and methods — including cross-border and currency conversion markups, chargebacks, refunds, payouts and monthly fees — from public pages alone.

0 — No public prices at all; every rate is a sales conversation.

3 — A headline rate published for one method or card type, or a "from" percentage.

5 — Rates published per main method with domestic and international cards distinguished, and any monthly or plan fee stated with its billing period; ancillary fees (currency conversion, chargeback, payout) may still be missing or "on request".

8 — Every method priced publicly, cross-border and currency conversion markups stated, chargeback, refund and payout fees listed, minimum monthly fees and contract term given, and whether the model is blended or interchange++ said plainly.

10 — Complete fee computability: the effective rate derivable for a given volume, card mix and country mix — interchange++ with the markup published or a blended rate with every exception listed — plus volume tiers, reserves and every ancillary fee on a public page.

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The Skeptic

No merchant rate appears on any captured page: the payout process deducts 'our fees and any deductions' without a figure, and the closest thing to pricing is a marketing claim of cutting payment processing costs by up to 25 percent. The only fee items published are the defaulting buyer's — a late-payment flat fee, dunning and collection costs, default interest — and even those carry no amounts. For a merchant, every rate here is a sales conversation. 1 3 4 6

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European sovereignty — proven facts

0 of 6 dimensions proven

Built only from facts shown on the vendor's own pages. A dimension we could not prove is left open, not scored as zero.

Hosting location Not determined — uncited Report an error
Hosting options Not determined — uncited Report an error
Open source Not determined — uncited Report an error
Data processing agreement Not determined — uncited Report an error
Transfer impact assessment Not determined — uncited Report an error

Questions about Billie

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), Mollie (3/5) and Novalnet (3/5) 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 (EU-Made). Ratings are the AI panel’s opinion, formed from public evidence: how scores are made. The full list, with European products first: Billie alternatives.

Where this could be wrong

What we left out

A claim that does not survive our checks costs us the claim, not the page. This is what was taken off this one.

Do you know more about Billie? Tell us Report an error on this page

Sources (7)

The pages every claim on this page was read from — each one checked, dated, and kept verifiable.

  1. 1 Vendor page billie.io Checked 3 Nov 2026 Details →
  2. 2 Imprint — found from the homepage www.billie.io Checked 3 Nov 2026 Details →
  3. 3 Payment methods & local coverage — found from sitemap www.billie.io Checked 3 Nov 2026 Details →
  4. 4 Payment methods & local coverage — found from sitemap www.billie.io Checked 3 Nov 2026 Details →
  5. 5 Subscriptions & recurring payments — found from sitemap help.billie.io Checked 3 Nov 2026 Details →
  6. 6 Settlement, reconciliation & API — found from sitemap help.billie.io Checked 3 Nov 2026 Details →
  7. 7 Settlement, reconciliation & API — found from sitemap help.billie.io Checked 3 Nov 2026 Details →