The verdict in three sentences
For an Amsterdam distributor, a B2B deferred payment solution (Mondu, Hokodo, Billie) costs 1.5 to 4% per transaction and EUR 3,000 to 10,000 of integration, but it transfers 100% of the non-payment risk and pays the seller within 1 to 3 days. Classic trade credit insurance costs less in percentage terms (0.1 to 0.5% of insured revenue) but leaves cash flow, collections and a deductible with you. The choice comes down to gross margin: above 20%, the integrated solution pays for itself through a 20 to 40% rise in average order value.
B2B solutions compared
Business buyers in the Netherlands expect 30 to 60-day terms, and the law caps large-company terms towards SMEs at 60 days. Online, without a dedicated solution, the seller must either require a card or open credit accounts manually after a credit check.
| Solution | Fee per transaction | Terms offered | Payout to seller | Credit decision | Integration |
|---|---|---|---|---|---|
| Mondu | 1.5 to 3.5% | 30, 60, 90 days | D+1 to D+3 | Real time | Shopify, Shopware, API |
| Hokodo | 1.8 to 4% | 30, 60, 90 days, instalments | D+1 to D+3 | Real time | Magento, API, PrestaShop |
| Billie | 1.5 to 3% | 14 to 120 days | D+1 | Real time | Shopware, Shopify, API |
| Instalment providers (Alma Pro, In3 business) | 2 to 4% | Split in 3 to 12 | D+1 | Real time | WooCommerce, PrestaShop |
| Classic factoring | 0.5 to 1.5% + 0.2% per month | Per invoice | 24 to 72 h after assignment | 1 to 5 days | Manual or export |
| In-house credit account | 0% | 30 to 60 days | At due date | Manual | Development EUR 2,000 to 5,000 |
Fees depend on the chosen term, the sector and buyer profile: 30-day terms often cost 1.5 to 2%, 90-day terms rather 3.5 to 4%.
Integrated solution or trade credit insurance
Trade credit insurance (Allianz Trade, Coface, Atradius) remains relevant for large regular accounts. For new or occasional buyers ordering online, the integrated solution is smoother.
| Criterion | B2B BNPL solution | Classic trade credit insurance |
|---|---|---|
| Cost | 1.5 to 4% per transaction | 0.1 to 0.5% of insured revenue + review fees |
| Share of risk covered | 100% | 85 to 95% after deductible |
| Cash flow | Paid within 1 to 3 days | Paid at due date or after claim (5 to 6 months) |
| Collections | Handled by the provider | Your responsibility |
| Decision for a new buyer | Under 5 seconds | 24 h to several days |
| Limit per buyer | EUR 1,000 to 100,000 | Per approval, often higher |
| Best for | Web orders of EUR 200 to 20,000 | Recurring key accounts |
Many distributors combine both: the integrated solution on the site for orders up to EUR 20,000, credit insurance for the 30 largest customers invoiced offline.
Risks to manage
Three points deserve attention. Acceptance rate: 75 to 90% of buyers are accepted, so keep card and bank transfer as alternatives. The contract: check refund fees on returns and recourse clauses in product disputes. Customer experience: reminders and collection are done in the provider's name, so choose one whose tone matches your commercial relationships.
Mini case study
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Sanne, CFO of an Amsterdam hospitality supplies distributor (EUR 9 million revenue, EUR 2.1 million online), only accepts card and prepayment on her site. The average web order is EUR 480 and 18% of carts are abandoned at the payment step. She integrates a 30 and 60-day solution for EUR 7,000, with an average fee of 2.4%. After 6 months, average order value reaches EUR 620 (+29%) and online revenue grows by 25%, so EUR 525,000 extra a year. At a 28% gross margin, that is EUR 147,000 of margin, against about EUR 63,000 of fees on EUR 2.6 million of sales. Estimated net gain: EUR 84,000 a year, with no unpaid invoices to chase.
FAQ
Is B2B deferred payment only for large companies?
No, these solutions accept stores from EUR 100,000 to 300,000 of annual online revenue. They mainly assess your buyers' creditworthiness, not the seller's size.
Who carries the risk if the buyer does not pay?
The provider, in 100% of accepted cases, except disputes over the goods. You are paid within 1 to 3 days, and reminders and collections are handled by the provider.
How much does the technical integration cost?
Between EUR 3,000 and 10,000 depending on the platform. An existing Shopify or Shopware plugin connects in 1 to 2 weeks; an API integration with an ERP and customer accounts takes 4 to 6 weeks.
Are there legal limits on payment terms?
Yes, in the Netherlands large companies may not impose terms above 60 days on SMEs, and statutory interest applies on late payments. The solutions offer compliant terms.
What happens to a declined order?
The buyer is offered card or bank transfer. With a 75 to 90% acceptance rate, about one buyer in ten pays another way, without abandoning in most cases.
Let's scope your project. Tell us your platform, average order value and current customer terms: we will select the solution and price the integration at EUR 3,000 to 10,000 over 1 to 6 weeks. Detailed quote within 48 h. WhatsApp +221 77 596 93 33.
Mohamed Bah
Fondateur, Kolonell
Passionate about digital and entrepreneurship in Africa, Mohamed has been helping Sénégalese businesses with their digital transformation since 2020. Founder of Kolonell, he believes every SME deserves a professional and accessible online présence.
