Balance

Balance provides B2B financial infrastructure for embedded payments, digital trade credit, and B2B BNPL, with net terms and invoice-based payment.

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Overview

Balance is a financial infrastructure platform for B2B commerce. Its site positions the product around three connected capabilities: embedded payments, digital trade credit, and B2B BNPL.

The product is meant to help sellers offer buyers payment flexibility such as net terms or invoice-based payment without taking on the operational burden of managing credit and accounts receivable manually. Balance describes this as a way to keep B2B sales moving faster while preserving a smoother buyer experience.

Core capabilities

B2B BNPL at checkout

Offer buyers instant financing at checkout so they can complete larger B2B purchases online or in-store.

Pay sellers upfront

Support buyer terms while keeping sellers paid upfront, reducing the need to manage the payment delay manually.

Workflow automation

Automate B2B payment and credit workflows instead of stitching together separate tools for terms, invoicing, and collection steps.

Self-serve buyer experience

Present a self-serve payment experience for buyers while Balance handles the credit and accounts-receivable side of the transaction.

Multiple B2B payment modes

Use the same platform across payment flows and digital trade credit scenarios, including net terms and pay-by-invoice use cases.

Common use cases

Offer net terms at checkout
A B2B seller wants to offer net terms or invoice payment at checkout so buyers can place larger orders without paying immediately.
Embed financing into a B2B platform
A marketplace or commerce platform wants to add buyer financing while avoiding extra credit and AR overhead on its own team.
Support online and in-store sales
A merchant selling both online and in-store wants one payment experience that can support flexible financing in either channel.
Reduce AR overhead
A finance or operations team wants to replace manual follow-up work with a more automated order-to-cash flow.
Increase buyer purchase flexibility
A seller wants to improve conversion and repeat purchasing by giving buyers a more flexible way to pay for inventory or other B2B purchases.

Pros and Cons

Pros

Combines payments, digital trade credit, and B2B BNPL in one product family.
Supports buyer flexibility such as net terms and pay-by-invoice.
Describes a seller-side workflow that keeps the merchant paid upfront.
Aims to automate credit and AR tasks rather than require separate point tools.
Works for online and in-store B2B purchasing according to the product page.

Cons

The collected pages do not show published pricing, so buyers cannot evaluate cost from the site pages provided here.
The evidence set does not include named integrations or a detailed setup guide, which limits technical evaluation from the available sources.
Some claims are broad marketing statements, so buyers may still need a demo or sales call to understand implementation scope and fit.

FAQ

What does Balance do?

Balance offers B2B financial infrastructure that combines payments, digital trade credit, and B2B BNPL for commerce workflows. The source pages show these capabilities as part of its product set, but do not provide a step-by-step implementation guide.

Who is Balance for?

The source describes Balance for B2B commerce, with use cases centered on net terms, pay-by-invoice, and flexible buyer financing. It appears aimed at businesses that want to let buyers pay later while keeping payment and credit workflows managed through one platform.

Does Balance support both online and in-person sales?

The product pages say Balance supports B2B BNPL online or in-store and mention payments and digital trade credit. No named integrations or technical setup details are provided in the collected material.

How is Balance priced?

The pricing page is not available; the collected evidence only shows a 404 page for /pricing. Based on that, pricing appears not to be published on the site pages provided here.

What integrations or docs are available?

The source does not list specific integrations, API limits, or implementation requirements. It does show an API Docs link in the site navigation, which suggests technical documentation is available elsewhere on the site.

Quick Facts

Category: Financial infrastructure for B2B commerce
Primary products: B2B BNPL, Digital Trade Credit, B2B Payments
Primary workflow: Let buyers get terms while sellers get paid
Source domain: getbalance.com
Pricing: Not published on the provided pricing page; /pricing returns a 404 page
Doc/navigation cue: API Docs appears in the site navigation