Billie vs Riverty
Side-by-side comparison — pricing, features, ratings, use cases. Find which Bnpl fits you best.
🔍 Independently researched ·
📊 Data-driven
37/100
—
German B2B companies that want to optimize working capital by extending payment terms on purchases or get paid immediate
💰 Pricing
Pricing not publicly available
Fee notes:
- Merchant fees: Typically around 1.5% - 2.5% per transaction for the 30-day plan
- Interest on installment plans: Approximately 10-12% APR for 3-12 month terms
- Late payment fees: Up to 2% per month on overdue amounts (capped at 5 EUR per invoice)
- No annual or account maintenance fees for buyers
⚠ Watch for:
- Late payment interest and collection costs are passed on to buyers
- Credit checks may impact credit score (performed on buyers)
- Merchant fees are deducted from supplier payout automatically
- Promotional 0% APR offers may revert to standard APR after the promo period
🔧 Features
✓ B2b✓ German Origin✓ Invoice Factoring✓ 30 Day Terms✓ 100m Raised
📋 Assessment
💪 Strengths
- Interest-free 30-day payment terms for buyers: This is a powerful incentive for buyers to choose Billie. They can order goods, sell them, and then pay Billie without incurring interest. This improves buyer liquidity and allows them to manage their own cash flow more flexibly. For wholesalers and distributors, this can be a huge advantage over traditional payment methods.
- Immediate payment for suppliers: Suppliers no longer have to wait 30, 60, or even 90 days for customers to pay. Billie pays the supplier as soon as the invoice is approved, which can drastically improve working capital. This feature essentially acts as built-in invoice factoring, eliminating the need for separate financing arrangements.
- B2B-specific focus: Unlike consumer BNPL, Billie is designed for business transactions. It handles B2B complexities like credit checks, risk assessment, and dunning processes. The platform can even integrate with your accounting software, automatically reconciling payments and reducing manual data entry.
- Automated accounts receivable and dunning management: Billie takes over the entire collection process. It sends payment reminders, handles overdue accounts, and can even initiate debt collection procedures. This saves suppliers significant time and resources, allowing them to focus on their core business.
- Seamless ERP integration: Billie offers native plugins for major ERP systems like SAP, DATEV, and Lexware. This means invoices are automatically transferred to Billie for approval and payment, and payment data is reconciled in your system. This eliminates the need for manual data entry and reduces errors.
⚠ Watch out for
- Only available to registered companies in Germany: Sole traders (Einzelunternehmen), freelancers, and businesses outside Germany cannot use Billie. This severely limits its market reach, especially for B2B companies that operate internationally. If you deal with EU clients, this is a major drawback.
- Supplier transaction fees: While buyers enjoy interest-free terms, suppliers must pay a fee for each Billie transaction. The fee is typically around 1-3% of the invoice amount, which can significantly impact profit margins on lower-value invoices. For a €500 invoice, the fee could be €15, which is substantial.
- Credit checks and approval required: Not every business will qualify for Billie's payment terms. Billie assesses each buyer's creditworthiness and sets credit limits. If your business has a less-than-perfect credit history, you may be declined, which defeats the purpose of the service.
- Limited to online invoices: Billie only works with invoices that are sent through its platform (or integrated systems). If you receive paper invoices or need to process them manually, it may not be a suitable solution. The need to use Billie's system adds an extra step to the payment process.
🎯 Best for
German B2B companies that want to optimize working capital by extending payment terms on purchases or get paid immediately on invoices.
🚫 Who should skip
Businesses outside Germany, consumer-facing retailers, or companies needing longer or more flexible payment terms beyond 30 days.
📚 Learning curve
Minimal — the payment process is straightforward, but ERP integration and approval steps may take a few days to complete.
🧑⚖️ Verdict
Billie is a purpose-built solution for German B2B suppliers who want to eliminate payment delays and reduce credit risk. It offers a clean, automated way to improve cash flow, but the transaction fees and Germany-only availability may be prohibitive for some. If you value immediacy and are a registe
70/100
Free tier
European e-commerce merchants who want a local, regulated buy-now-pay-later and invoice payment provider to increase che
★ Best
💰 Pricing
🆓 Free tier available
For consumers, using pay-in-3 or pay-in-4 is generally free if payments are made on time. No monthly fees.
Fee notes:
- Late payment fee: up to €5 per missed installment (varies by country, e.g., in Germany late fees are regulated).
- Interest rates for longer-term plans: typically start at 0% for promotional offers, but standard rates range from 9.9% to 19.9% APR depending on creditworthiness and plan duration.
- Merchant fees: typically range from 2% to 4% per transaction, depending on volume and sector.
- Early repayment: No penalty for early settlement on most plans, but check terms.
⚠ Watch for:
- Late payment fees can add up if payments are missed, and may affect your credit score.
- Interest rates on longer-term financing may be higher than advertised if credit assessment is poor.
- Some merchants may add a processing fee for BNPL transactions at checkout.
- Credit check performs a soft credit check for most plans, but a hard credit check may occur for larger financing amounts, impacting credit score.
🔧 Features
✓ European Giant✓ Arvato Origin✓ 30k Merchants✓ 3 5m Consumers✓ 15 Markets✓ Free Tier
📋 Assessment
💪 Strengths
- Riverty operates in 15 European markets with a single integration, providing merchants access to a wide geographic reach without the hassle of separate payment providers. The platform adapts to local payment preferences and regulations, which is crucial for cross-border e-commerce. This reduces the operational complexity of managing multiple regional payment options.
- The platform offers a diverse range of payment methods — invoice, installments, direct debit, and BNPL — all through one interface. This flexibility allows merchants to cater to different customer preferences, whether they want to pay immediately, after delivery, or over time. For high-ticket items like electronics or furniture, installment options can significantly increase average order value.
- With 30,000+ merchants and 3.5M consumers, Riverty demonstrates proven infrastructure and scale. This means reliable payment processing, minimal downtime, and a level of trust that comes with handling millions of transactions. Merchants can rely on a stable platform that has been tested in real-world conditions.
- Built-in regulatory compliance is a major advantage. Riverty handles the complex legal requirements for operating BNPL and financing services across multiple European jurisdictions. This saves merchants from the burden of navigating divergent consumer credit laws, which can be a serious barrier to entry in some markets.
- Riverty's checkout integration is designed to be seamless, offering consumers a smooth experience that can reduce cart abandonment. The ability to offer localized payment options at checkout increases user comfort and trust, leading to higher conversion rates. The platform also provides merchants with tools to manage transactions and monitor performance.
⚠ Watch out for
- Riverty is exclusively available in Europe, which is a deal-breaker for merchants targeting customers outside the continent. Global e-commerce sellers need payment options that cover a worldwide audience, and Riverty simply cannot fulfill that role. Even for European merchants, it lacks coverage in non-European markets, limiting their expansion potential.
- Consumer brand recognition is significantly lower than competitors like Klarna or PayPal. Many shoppers may not recognize Riverty as a trusted payment option, which can lead to hesitation at checkout. This is especially problematic for smaller merchants who rely on well-known payment brands to build trust with new customers.
- Merchant fees are not publicly transparent. Unlike other BNPL providers that publish pricing tiers, Riverty requires direct inquiry. This lack of transparency can make it difficult for merchants to compare costs accurately or budget for payment processing. For small businesses with thin margins, unexpected high fees could be a burden.
- The platform's feature set is more traditional compared to some BNPL providers. While it offers installments and invoice payment, it may lack some of the newer consumer-facing features like loyalty program integrations or advanced personalization tools that competitors are rolling out. This could make Riverty less appealing to merchants looking for cutting-edge customer engagement features.
- Riverty's focus on the B2B side (merchant services) means consumer support might be less polished. Shoppers who encounter payment issues often reach out to the merchant, not Riverty, which can create a support burden for the merchant. Additionally, Riverty's own support for merchants may vary by region, with response times not always meeting expectations.
🎯 Best for
European e-commerce merchants who want a local, regulated buy-now-pay-later and invoice payment provider to increase checkout conversion and support cross-border sales.
🚫 Who should skip
Merchants targeting customers outside Europe or brands that rely heavily on a widely recognized BNPL consumer brand to drive sales.
📚 Learning curve
Moderate — consumers need no training, but merchants must integrate Riverty's API/checkout and adapt to local regulations and settlement terms.
🧑⚖️ Verdict
Riverty is a solid choice for European e-commerce merchants that need a reliable, multi-market BNPL and financing solution with local compliance. If you operate strictly within Europe and want to offer invoice or installment payments, Riverty is worth considering. However, if you serve a global audi
📊 Use Case Suitability
Higher score = better fit. Scores from editorial review.
Use CaseBillieRiverty
B2B Inventory Purchases90—
Buyers can restock inventory immediately and pay 30 days later, preserving worki
Immediate Supplier Payment85—
Suppliers get paid instantly instead of waiting 30 days, which improves cash flo
Cash Flow Management88—
The 30-day repayment term lets B2B companies align outgoing payments with incomi
Client Presentations10—
Billie is not a presentation or design tool, so it has no relevance for creating
European E-commerce Checkout—95
Riverty is built for European shop checkouts, supporting local payment methods i
Cross-Border Online Shopping—88
A single integration allows merchants to offer invoice and installment payments
High-Ticket Retail Purchases—84
Installment plans let customers spread out the cost of furniture, electronics, a
Subscription or Recurring Billing—70
Riverty supports direct debit and recurring payment processing, though it is not
🧭 Which One Should You Pick?
Choose Billie if...
- You are: German B2B companies that want to optimize working capital by extending payment terms on purchases or get paid immediate
- 👍 Buyers get interest-free 30-day payment terms, giving them time to sell goods before paying the invo
- 👍 Suppliers receive immediate payment from Billie, eliminating invoice payment delays and offering bui
- 👍 Designed specifically for B2B transactions, unlike consumer-focused BNPL services.
- ⚠ Trade-off: Only available to registered companies in Germany, excluding international B2B b
Choose Riverty if...
- You are: European e-commerce merchants who want a local, regulated buy-now-pay-later and invoice payment provider to increase che
- 👍 Operates in 15 European markets with local payment methods and built-in regulatory compliance.
- 👍 Processes payments for 30,000+ merchants and 3.5M consumers, proving established infrastructure and
- 👍 Offers a broad range of payment types: invoice, installments, direct debit, and BNPL in one platform
- 💰 Free tier available
- ⚠ Trade-off: Not available outside Europe; merchants targeting global customers cannot use Ri
❓ Frequently Asked Questions
Is Billie free for buyers?
Yes, buyers don't pay interest or fees for the 30-day payment term. Suppliers pay a small transaction fee to access immediate payment from Billie.
How does Billie work?
Billie pays the supplier immediately while the buyer gets 30 days to pay Billie. This combines buy-now-pay-later with invoice factoring in one platform.
Do I need to be a German company?
Yes, Billie primarily serves German B2B businesses. Both buyers and suppliers need to be registered companies operating in Germany.
Can I integrate Billie with my ERP system?
Yes, Billie offers API access and integrations with popular ERP systems. This allows you to automate invoice processing and payment reconciliation.
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