iDEAL accounts for about 70% of Dutch consumer e-commerce, but in business purchasing (B2B), deferred-invoice practices remain the standard. Billie moves this B2B purchasing practice online into checkout, running a real-time credit assessment of the buying business to approve deferred payment, and taking the payment-risk burden off the merchant.

Korean B2B commerce businesses selling to Dutch corporate customers — for example, in office supplies, industrial goods, or software — are candidates to consider. If you need deferred payment for general consumers, you should look at Riverty or Klarna instead of Billie.

When a business buyer selects Billie's deferred payment option at checkout and enters their business details, a real-time credit check determines whether the purchase is approved. If approved, the buying business pays the invoice by its due date, and the merchant's share of the funds is received by Hecto Financial in euros (EUR), converted, and settled in the contracted currency among USD, KRW, and JPY. Since it does not apply to B2C orders, the business-purchase flow must be separated from the checkout process.

Korean companies can consider adopting Billie through Hecto Financial without a local contract in the Netherlands, but because it is a B2B-only method, the screening requirements around products handled, the buying business's location, and transaction volume can be stricter than for general B2C methods, so advance confirmation is needed.

• Business registration country

  Confirm whether contracting is possible on the basis of a Korean business entity

• Sales channel

  The integration method and priority differ depending on your online sales channel mix — own storefront, online marketplace, mobile app, etc.

• Product categories handled

  Confirm in advance whether your products fall under a restricted category per the Billie operator's merchant policy

• EU regulatory compliance

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

Billie transaction amounts are generated in euros (EUR) and received by Hecto Financial, which converts them and pays Korean merchants in the currency chosen at the time of contracting among USD, KRW, and JPY. Because of the nature of B2B invoicing, returns and corrections are tied to tax invoicing, so credit note issuance and refund-deadline policies should be worked out together at the contract stage.

• De Nederlandsche Bank (Dutch central bank)Official information on the Netherlands' payment systems and supervisory regulations. If the content of this page differs from the actual regulations, the official source takes precedence.