In B2B trade across Europe, including France, deferred-payment practices such as "pay within 30 days of receiving the invoice" are close to standard, and as online B2B commerce has grown, demand has grown for B2B BNPL that brings this practice into checkout. Billie is a German provider specialized in this space, running real-time credit checks on the buying business, approving deferred payment, and offering merchants an upfront payout model.

The target is explicitly B2B. It applies to merchants selling parts, office and industrial supplies, wholesale goods, or business services to French companies and small businesses; a general consumer storefront should look at B2C installment options such as Alma or Oney instead of the BNPL described on this page. The actual scope of service available for France should be confirmed before signing a contract.

When a business buyer enters company details at checkout, Billie runs a real-time credit check, and if approved, issues a deferred invoice (typically with payment terms within 30 days). It is common for Billie itself to assume the risk of the buying company's non-payment, and this is the fundamental difference from B2C BNPL: it does not apply to transactions with individual consumers.

Through Hecto Financial, a Korean corporation can consider introducing B2B deferred payment. However, since Billie assumes the buyer is a business, you must confirm the process for verifying that a counterparty is a company, as well as its scope of support and industry conditions for the French market, before signing a contract.

• Business registration country

  Confirm contract eligibility based on a Korea-registered business

• Sales channels

  Integration method and priority differ depending on your online sales channel mix — owned storefront, marketplaces, mobile app, and so on

• Transaction structure (B2B)

  Since Billie is B2B only, confirm in advance whether your transaction structure has businesses as buyers and whether your product categories are permitted under policy

• EU regulatory compliance

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

Payments from French corporate customers are denominated in euros (EUR); Hecto Financial receives the EUR, converts it, and settles it to the Korean merchant in whichever of USD, KRW, or JPY is selected in the contract. The settlement cycle follows the contract terms. Note that the EU's 14-day withdrawal right is a consumer (B2C) protection and, in principle, does not apply to B2B transactions, but it is still prudent to separately agree on terms for returns and credit notes.

• Banque de France (Central Bank of France)Official information on France's payment systems and related regulations. If this page's content differs from actual regulations, the official source takes precedence.
• Autorité de contrôle prudentiel et de résolution (ACPR)The authority that licenses and supervises payment service providers. Useful for confirming payment service regulations in France.