The United Kingdom is not only one of Europe's largest consumer e-commerce markets but also one of the largest for B2B e-commerce and procurement. Billie is a German BNPL service specialized for business-to-business transactions: when a business buyer pays via deferred invoice, the seller is paid up front. Unlike B2C services such as Klarna and Clearpay, it is used only for transactions where the buyer is a business.

When Korean manufacturers, wholesalers, or SaaS companies selling to UK business customers face requests for net payment terms, Billie lets the buying company pay later while the seller still collects funds early. That said, Billie's core markets are the German-speaking region and continental Europe, so coverage for UK buying companies must be confirmed before signing a contract.

When a business buyer selects Billie's deferred payment option at checkout, Billie runs a real-time credit assessment of the buying company to decide on approval and the payment term. Once approved, the seller receives payment up front, and the buying company repays Billie within the invoice term. Hecto Financial intermediates this transaction and collects the GBP funds. Since this is not a personal card payment, a business credit review process applies instead of the UK-SCA card authentication flow.

Review is possible through Hecto Financial on the basis of a Korean entity, but because Billie is B2B-only, a sales structure premised on the buyer being a business (including business verification procedures) is required. UK market coverage and industry-specific support conditions must be confirmed before signing a contract.

• Business registration country

  Confirm whether a contract is available on the basis of a Korean business registration

• Sales channels

  The integration method and priority vary depending on your online sales channel mix — owned storefront, marketplaces, mobile app, and so on

• Product categories

  Check in advance whether your product category falls under restricted industries per the Billie operator's merchant policy

• B2B-only scope and coverage check

  Billie cannot be used for individual consumer payments. Also, since the United Kingdom is outside the EU (with its own FCA regulatory regime), the UK coverage of this German service must be confirmed before signing a contract

Funds paid by the buying company are collected in GBP and, after conversion by Hecto Financial, settled to the Korean merchant in whichever of USD, KRW, or JPY is specified in the contract. B2B transactions are not subject to the 14-day right of withdrawal that applies to individual consumers, but return and credit note handling and invoice cancellation terms should be confirmed together with Billie's policy before signing a contract.

• UK Financial Conduct Authority (FCA) / Bank of EnglandOfficial information on the UK payment system and regulatory oversight. If this page's content differs from actual regulations, the official source takes precedence.