The first thing to clarify is that Billie is a B2B-only payment method, not a B2C one. It brings the common business-to-business practice of invoice payment (for example, 30-day payment terms) into the online checkout, letting the buying company keep the deferred-payment terms it's used to while the seller secures payment early. This fits well with the Austrian and German-speaking B2B market, where invoice-based commercial practice is well established.

It is worth considering for domestic B2B sellers who make repeat sales of office supplies, industrial goods, software, and similar products to business customers in Austria—especially when dealing with corporate purchasing teams that require credit payment terms. If you run a shop aimed at individual consumers, look instead at B2C deferred-payment methods such as Klarna or Riverty rather than this page.

When a buying company selects invoice payment at checkout, Billie assesses the company's credit in real time and approves the transaction, and the buying company pays within the agreed payment term (typically several dozen days). Hecto Financial receives the seller's share of the euro (EUR) payment, converts it, and settles it domestically in the contracted currency—USD, KRW, or JPY.

Because of its B2B nature, buyer identification (business information) and credit assessment data requirements are greater than for B2C. Confirm the scope of service for Austrian corporate customers, approval limits, and the terms for integrating through Hecto Financial before signing a contract.

• Business registration country

  Confirm contract eligibility based on domestic business registration

• Sales channel

  The integration method and priority vary depending on your online sales channel mix—owned mall, open marketplace, mobile app, and so on

• Product category

  Check in advance whether your products fall under categories restricted by Billie's merchant policy

• EU regulatory compliance

  Confirm compliance with EU payment regulations such as PSD2 and SEPA (see official sources below)

The settlement structure follows the same pattern as other methods: Hecto Financial converts the EUR received and pays it out in the merchant's chosen currency—USD, KRW, or JPY. One point to note is that the EU consumer protection law's 14-day right of withdrawal does not apply to B2B transactions, so return and cancellation terms are governed entirely by the commercial agreement between the parties. Spelling out return and credit note handling terms in your standard sales terms is important for preventing disputes.

• Oesterreichische Nationalbank (OeNB)Official information on Austria's payment systems and statistics. If this page's content differs from the actual regulations, the official sources take precedence.
• Austrian Financial Market Authority (FMA)Official regulatory information on payment services licensing and supervision.