The verdict in three sentences
On a B2B webshop with an average order of EUR 2,800, offering only cards and iDEAL pushes away restaurant owners, caterers and institutions used to paying net 30 or net 60. B2B deferred payment providers (Mondu, Billie, Two, Hokodo and similar) charge 1.5 to 3.5% per transaction in 2026, pay the merchant within days and carry the default risk. With integration at EUR 3,000 to 8,000 in 4 weeks and an advertised conversion lift of 15 to 25%, it is often the best-returning project of the year for the finance director.
Why payment terms decide the sale in catering equipment
An Amsterdam webshop selling combi ovens, blast chillers, hood dishwashers and stainless steel furniture sells to buyers who operate like businesses: a chef who chooses, a manager who approves, a bookkeeper who pays on invoice. Paying EUR 2,800 upfront by card means a restaurant fronting cash it collects day by day, or a hospitality group bypassing its own procurement process.
The finance director knows the classic answer: open a trade account on 30-day terms after manual review, with high default risk in hospitality, one of the sectors with the most bankruptcies in the Netherlands. Deferred payment providers automate that decision in seconds at checkout, then handle collections.
Deferred payment, credit insurance, factoring: options compared
| Solution | Cost (2026 range) | Who carries the risk | Merchant payout | Buyer experience |
|---|---|---|---|---|
| B2B deferred payment at checkout | 1.5 to 3.5% per transaction | The provider | 1 to 3 days | Decision in seconds, net 30 or 60 |
| In-house trade account, net 30 | Internal credit and dunning cost | The merchant | 30 to 60 days or more | Manual account opening, several days |
| Credit insurance (Atradius, Allianz Trade) | 0.1 to 0.4% of insured revenue, annual minimum | The insurer, after deductible | 30 to 60 days | Invisible to buyer, limits per customer |
| Factoring | 0.5 to 2% fee plus interest | The factor (recourse or not) | 1 to 3 days after assignment | Invisible, heavy for small tickets |
| Cards and iDEAL only | 0.2 to 1.5% | Nobody | Immediate | Strong friction above EUR 1,000 |
Deferred payment is the only option that solves conversion and risk at the moment of the online order. Credit insurance remains relevant for large accounts with high balances, and factoring for funding an existing receivables book. Many merchants combine the first two: deferred payment for new customers and tickets up to EUR 25,000 to 50,000, an insured trade account for large groups.
What the integration costs and involves
| Item | 2026 range | Note |
|---|---|---|
| Payment module integration | EUR 3,000 to 8,000 | Depends on platform (Shopify, Shopware, Magento, custom) |
| Fee per transaction | 1.5 to 3.5% | Depends on term (30, 60, 90 days) and sector |
| Fixed monthly fees | EUR 0 to 200 | Often none, sometimes a volume minimum |
| Limit per buyer | EUR 5,000 to 50,000 | Set by the provider based on scoring |
| Go-live time | 4 weeks | Contract, sector scoring, tests, sales team training |
| Accounting reconciliation | Export or connector | Plan it with your accountant |
Three points need attention. First, show the option on the product page (pay in 30 days), not only at checkout. Second, pass the KvK number and billing details to the provider for reliable scoring. Third, handle credit refusals with a fallback to card or bank transfer. The invoice stays the merchant's own, with 21% Dutch VAT, and the provider only handles collection. To scope it, see our e-commerce page.
Mini case study
Sanne, finance director at the Amsterdam webshop, sees 60,000 professional visits a year at 3.5% conversion, or 2,100 orders at EUR 2,800: EUR 5,880,000 in revenue.
Cautious assumption: +15% conversion with payment terms, so 315 more orders and EUR 882,000 of extra revenue. At 30% gross margin, that is EUR 264,600.
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Cost: 35% of the 2,415 orders use deferred payment, so 845 orders × 2,800 × 2.5% = EUR 59,150 in fees, plus EUR 6,000 integration. Net first-year gain: about EUR 199,450. Days sales outstanding do not rise, since the provider pays out within 1 to 3 days.
FAQ
Can the provider decline a buyer?
Yes, scoring usually declines 10 to 25% of requests depending on sector and company age. The buyer is then offered card or transfer without leaving the page.
Who chases late payments?
The provider, under its own brand or white label depending on the contract. The merchant has already been paid and does not carry the default, unless there is a dispute about the goods.
What happens when equipment is returned?
The merchant issues a credit note, the provider reduces or cancels the buyer's balance and offsets the amount on later payouts. Processing takes 1 to 5 days.
Should there be a minimum order value?
Many merchants limit terms to baskets above EUR 500. Below that, the 1.5 to 3.5% fee weighs more than the conversion gain.
How long does setup take?
About 4 weeks: 1 week for contract and scoring, 2 weeks of integration and testing, 1 week of sales team training and launch.
Let's scope your project. We define with you the provider choice, checkout integration and accounting flow over four 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.
