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# Balance: Balance is the leading financial infrastructure platform for B2B commerce, enabling embedded payments and digital trade credit solutions.

Merchants use Balance to accept payments, offer net terms financing, and automate accounts receivable —boosting revenue, lowering payment costs, and improving cash flow, all without added complexity or credit risk.

With robust APIs supporting embedded and customizable buyer journeys, advanced billing, AI-powered credit risk management, industry-best approval rates and financing, Balance streamlines B2B payments from checkout to reconciliation, powering invoice-to-cash operations for leading enterprises.

## Sitemaps
[XML Sitemap](https://www.getbalance.com/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [From Automated to Agentic AR: Fixing What Automation Misses](https://www.getbalance.com/post/from-automated-to-agentic-ar/): Learn about the shift from traditional AR automation to agentic AR, and how it changes the day-to-day reality of AR teams.
- [The Business Impact of Net Terms: How Payment Terms Drive Growth in 2026](https://www.getbalance.com/post/business-impact-net-terms/): See how payment terms influence buyer decisions, with data showing measurable shifts in new buyer acquisition and monthly spend.
- [The State of AI in Finance: Statistics You Need to Know](https://www.getbalance.com/post/ai-in-finance-statistics/): Explore the key statistics, innovations, and use cases shaping AI in finance and how these redefine the future of financial operations.
- [DSO Protection: Guaranteed Payouts, Automated Receivables, Zero Risk](https://www.getbalance.com/post/dso-protection-guaranteed-payouts-automated-receivables-zero-risk/): Balance’s Digital Net Terms turns receivables into a predictable system, with DSO Protection guaranteeing both the timing and the full amount of payouts.
- [AR Efficiency Benchmarks: How Does Your Team Compare?](https://www.getbalance.com/post/ar-efficiency-benchmarks/): Explore the metrics that define AR efficiency, the benchmarks that set top performers apart, and how B2B leaders can use them to strengthen cash flow.
- [Introducing Balance MCP Server: Enabling Real-Time Intelligence in B2B Commerce](https://www.getbalance.com/post/balance-model-context-protocol-server-for-b2b-agentic-commerce-beta-release/): Balance MCP Server allows LLMs and AI agents to interact with Balance’s APIs, enabling secure, conversational access to payments, credit, and AR data.
- [Consolidated Billing: Billing Built for B2B Complexity](https://www.getbalance.com/post/consolidated-billing/): Balance's consolidated billing solution offers streamlined, flexible billing that works for both vendors and buyers, no matter how complex their needs.
- [Introducing Pay Later for Business on Alibaba.com](https://www.getbalance.com/post/alibaba-pay-later-for-business/): Buyers get instant access to credit at checkout, with no added risk or overhead for Alibaba.com.
- [Instacart Business Teams Up with Balance to Introduce Embedded Invoicing, Designed for the Way Companies Buy](https://www.getbalance.com/post/instacart-business-teams-up-with-balance/): Instacart Business now offers invoicing—a streamlined way for organizations to pay and manage purchases.
- [13 Tips for Building a Standout B2B Ecommerce Marketplace](https://www.getbalance.com/post/tips-b2b-ecommerce-marketplace/): Explore actionable tips that can help make your B2B ecommerce marketplace a top choice for buyers and vendors alike.
- [How to Improve SMB Net Terms Approval and Drive Growth](https://www.getbalance.com/post/improve-smb-net-terms-approval/): Explore how you can boost net terms approval for SMBs while safeguarding your business, ensuring net terms benefit both you and your buyers.
- [B2B Ecommerce Best Practices for Increasing AOV](https://www.getbalance.com/post/b2b-ecommerce-best-practices-increase-aov/): Whether you’re trying to expand relationships with current B2B ecommerce buyers or convert new leads into bigger sales, learn strategies for boosting your AOV and revenue.
- [How to Improve B2B Buyer Retention with Pay by Invoice and Net Terms](https://www.getbalance.com/post/pay-by-invoice-net-terms-b2b-buyer-retention/): Learn how net terms can strengthen buyer relationships and outline actionable strategies to make the most of them.
- [11 Must-Have Features of an Ideal B2B Checkout](https://www.getbalance.com/post/b2b-checkout-features/): Explore what a checkout experience tailored to the unique demands of B2B buyers look like, with features that simplify the buying journey while ensuring smooth, efficient transactions.
- [Level Up Your B2B Shopify for Wholesale Store with ACH Payments and Trade Credit](https://www.getbalance.com/post/shopify-for-wholesale-b2b-payments-and-checkout/): Learn why optimizing payments and checkout is crucial for Shopify for wholesale ecommerce sites.
- [13 B2B Ecommerce Software Every Business Should Consider](https://www.getbalance.com/post/b2b-ecommerce-software-to-consider/): Explore 13 B2B ecommerce software solutions, their use cases and key features for scaling business, streamlining operations, and enhancing buyer experience
- [How to Drive Ad Spend with Pay by Invoice and Net Terms](https://www.getbalance.com/post/pay-by-invoice-for-advertisers/): Explore how flexible payment solutions like pay by invoice and net terms boost ad spend, elevate the buyer experience, and enable your platform to attract and retain top advertisers
- [3 Strategies to Cut B2B Payment Processing Costs and Boost Efficiency](https://www.getbalance.com/post/strategies-reduce-b2b-payment-processing-costs/): Dive into practical ways to optimize your payment setup and explore how you can save up to 40% on processing fees.
- [B2B Embedded Finance: The Future of Business Payments, Explained](https://www.getbalance.com/post/b2b-embedded-finance-explained/): The future of B2B payments will depend a lot on embedded finance and the value it can add to the purchasing journey.
- [4 Strategic Shifts to Make for a Top-Tier B2B Payments Offering](https://www.getbalance.com/post/4-strategic-shifts-to-make-for-a-top-tier-b2b-payments-offering/): The digital transformation of B2B is raising the stakes for both sellers and buyers. Here's how to stay ahead.
- [Connected Commerce and Flexible Payments: Key Ingredients to a Successful B2B Marketplace](https://www.getbalance.com/post/connected-commerce-and-flexible-payments-b2b-marketplaces/): Learn how by creating a B2C-like payment experience that is seamlessly integrated into ERPs/eProcurement systems can make B2B marketplaces an effective channel growth.
- [Modernizing B2B Payments for Ecommerce Growth](https://www.getbalance.com/post/modernizing-b2b-payments-ecommerce/): For B2B sellers, successfully transitioning to a modern digital payment experience requires a delicate balance of old and new payment methods.
- [How to Improve Accounts Receivable Collections When Offering Net Terms](https://www.getbalance.com/post/accounts-receivable-collections/): Delve into essential statistics, common challenges, and actionable strategies to enhance your accounts receivable collections process.
- [Should You Build or Buy? A Retailer’s Roadmap to Offering Net Terms](https://www.getbalance.com/post/build-or-buy-net-terms-for-retailers/): Explore the key aspects that you should consider when evaluating the best path for your accounts receivable and credit risk management teams.
- [Accelerate Your B2B Expansion: The Importance of Offering Net Terms to Business Buyers](https://www.getbalance.com/post/net-terms-for-business-buyers/): Dive into how B2B buyers have different payment expectations, and how offering the right payment solutions such as net terms can impact your success.
- [A first for the industry: Balance announces B2B transaction product suite](https://www.getbalance.com/post/balance-announces-b2b-transaction-product-suite/): Balance’s suite launch addresses the full range of challenges that businesses selling online face today, from underwriting SMBs for net terms to globally and instantly paying out suppliers. 
- [Revolutionizing B2B Payments: Balance Powers FashionGo’s Dynamic Net Terms](https://www.getbalance.com/post/revolutionizing-b2b-payments-balance-powers-fashiongos-dynamic-net-terms/): Dynamic Net Terms, exclusively available on FashionGo in collaboration with Balance, offers buyers flexible wholesale terms tailored to their individual business needs and credit levels.
- [From B2B ecommerce trends to opportunities](https://www.getbalance.com/post/from-b2b-ecommerce-trends-to-opportunities/): This blog will uncover what B2B needs to do to be as smooth and convenient as DTC and B2C, bringing growth, efficiency, and improvements across the supply chain.‍
- [We’ve raised $56M to supercharge the digitalization of B2B trade](https://www.getbalance.com/post/weve-raised-56m-to-supercharge-the-digitalization-of-b2b-trade/): This fresh round of investment encompasses so many things for Balance.
- [The Ultimate Guide to B2B Payments](https://www.getbalance.com/post/guide-to-b2b-payments-2021/): Getting paid successfully is the ultimate goal of every business. Here's a VERY detailed guide about how to accept business payments in 2022.
- [Learning from steel: What ecommerce can do to B2B trade](https://www.getbalance.com/post/learning-from-steel-what-e-commerce-can-do-to-b2b-trade/): The digitization of an industry like steel is the perfect example of what bringing B2B trade online could do for global supply chains.
- [A year in the life of B2B payments: Looking back on 2022](https://www.getbalance.com/post/a-year-in-the-life-of-b2b-payments-looking-back-on-2022/): In this end of year review, we’ve rounded up some of the biggest changes and enhancements to Balance, including new partnerships, more robost capabilities, and more. While this list is in no way exhaustive, it highlights some of the iniatives that have had the biggest impact on our customers and partners over the last year.
- [Learning from 2022: A retrospective analysis of McKinsey’s 4 myths](https://www.getbalance.com/post/learning-from-2022-a-retrospective-analysis-of-mckinseys-4-myths/): In this analysis, we'll revisit the McKinsey myths identified in the original report and assess how relevant they still are while considering their implications for businesses in 2023 and beyond.
- [Introducing—and explaining—Balance’s integration with Magento](https://www.getbalance.com/post/introducing-and-explaining-balances-integration-with-magento/): In this blog, we’ll cover why merchants need an easier way to scale ecommerce payments, what the different use cases are, and the results you can expect to see.
- [How BigCommerce, Codal, and Balance bring in the next phase of B2B ecommerce](https://www.getbalance.com/post/how-bigcommerce-codal-and-balance-are-bringing-in-the-next-phase-of-b2b-ecommerce/): What happens when an ecommerce veteran, digital agency leader, and a payments expert get together?
- [Why ecommerce platforms are prioritizing B2B payments](https://www.getbalance.com/post/why-ecommerce-platforms-are-prioritizing-b2b-payments/): We asked Sophia Kelly, Head of Adobe Commerce, Americas, at Gorilla Group, to share her insights on digital expectations and how that will influence the future of B2B payments.
- [3 factors that will rev up B2B e-commerce payments in 2023](https://www.getbalance.com/post/predictions-2023-3-factors-that-will-rev-up-b2b-ecommerce-payments/): In 2023, Statista estimates that ecommerce will make up 17% of all B2B sales. Rather than fear a new and unknown digital front, B2B merchants have more opportunities to look forward to than ever. Especially if they take advantage of B2B ecommerce payments.
- [Expanding payment options for B2B: Balance and BigCommerce partner up](https://www.getbalance.com/post/expanding-payment-options-for-b2b-balance-and-bigcommerce-partner-up/): Discover the exciting partnership between Balance and BigCommerce as they expand payment options for B2B. Explore developments in B2B ecommerce payments.
- [When the industry gathers: Our takeaways from B2B Online 2023](https://www.getbalance.com/post/when-the-industry-gathers-our-takeaways-from-b2b-online-2023/): We’ve compiled our biggest takeaways from B2B Online 2023, straight from the mouths of those who have succeeded in their B2B digital transformations and ecommerce journeys.
- [Myths, facts, and what to know about B2B buy now, pay later](https://www.getbalance.com/post/3-net-terms-myths-to-know-before-you-choose-a-provider/): We’ve put together a list of common misconceptions that can help you avoid falling for a subpar BNPL provider. So your customers always get your best.
- [How to build, launch, and scale B2B ecommerce](https://www.getbalance.com/post/how-to-build-launch-and-scale-b2b-ecommerce-the-2022-b2b-ecommerce-playbook/): Planning and executing on a strong B2B ecommerce strategy is key to getting the results you want from digital. But where should you start? What practices should you avoid and what tips should you follow?
- [B2B payments and the untapped potential for the B2B ecommerce industry](https://www.getbalance.com/post/b2b-payments-and-the-untapped-potential-for-the-b2b-ecommerce-industry/): B2B payments refer to the process, method, and action involved in a business transaction. But there is quite a level of complexity involved in each one of these steps.
- [How to approach payments as an early B2B marketplace](https://www.getbalance.com/post/how-to-approach-payments-as-an-early-b2b-marketplace/): B2B marketplaces appeared destined to occupy only a minor niche in the U.S. What changed?
- [Growing B2B Marketplace streamlining its ecommerce payments offering](https://www.getbalance.com/post/what-theyre-building-1/): Our newest series, “What they're building”, spotlights the diverse organizations building out their B2B ecommerce and marketplace offerings, and how their growth can be accelerated by adopting a B2B-first payments partner. Today, we will explore the journey of a leading distributor of wireless communications products as they aim to prepare to scale and grow in the future.
- [The marketplace effect: A deep dive into the what, when and why](https://www.getbalance.com/post/the-what-when-and-why-of-b2bs-obsession-with-marketplaces/): The $17.5T B2B global trade industry is still quite underserved, requiring a creative solution to propel innovation and ease-of-use to match that of B2C. And if the past few years have been any indication, that creative solution is none other than the B2B marketplace.
- [Your Guide to Perfecting Net Terms Approval Process: Best Practices](https://www.getbalance.com/post/the-ultimate-guide-to-perfecting-your-net-terms-approval-process-best-practices-and-research-insights/): We've analyzed 100+ trade credit applications for insights into industry dynamics and improvements.
- [Ecommerce for manufacturers: Best practices, strategies, and trends](https://www.getbalance.com/post/the-ecommerce-guide-for-manufacturers/): Get a practical framework for launching an ecommerce channel that will help your manufacturing business grow.
- [Commerce experts on platforms, payments, and consumerization of B2B](https://www.getbalance.com/post/on-platforms-payments-and-the-consumerization-of-b2b-commerce-expert-answers-all/): Get a primer on the most top-of-mind strategies and tips Calashock CEO, Luigi Moccia, has for the B2B industry and the age of commerce.
- [The experts weigh in: Leveraging the B2B marketplace growth spurt](https://www.getbalance.com/post/leveraging-the-b2b-marketplace-growth-spurt/): More than ever before, marketplaces have a massive opportunity to spearhead the B2B online revolution across industries. The experts agree: the time has come to unlock the full potential of a B2B marketplace.
- [Know your B2B customers: ecommerce payment stats helping digital channel growth](https://www.getbalance.com/post/know-your-b2b-customers-26-ecommerce-payment-stats-to-help-you-grow-your-digital-channel/): Read on for 26 ecommerce payment stats that will help you create a B2B customer-focused payment experience.

## Pages
- [test](https://www.getbalance.com/test/): / Balance Under The Hood
- [accounts-receivable-health-assessment](https://www.getbalance.com/accounts-receivable-health-assessment/): Answer 11 questions to get your Accounts Receivable Health Score, with benchmarks revealed as you go.
- [Thank-you-Executive-Roundtable](https://www.getbalance.com/thank-you-executive-roundtable/): Your confirmation email and calendar invite are on the way.
- [AR-in-the-age-of-AI-executive-roundtable](https://www.getbalance.com/ar-in-the-age-of-ai-executive-roundtable/): Join fellow business leaders for an exclusive dinner dedicated to how AI is reshaping AR.
- [Balance-at-SSOW-2026](https://www.getbalance.com/balance-at-ssow-2026/): Meet Balance at SSOW to explore AI-native Order-to-Cash automation, invoice payments, and scalable Net Terms programs that help finance teams reduce DSO and run AR autonomously.
- [Thank you Pay by Invoice](https://www.getbalance.com/thank-you-pay-by-invoice/): Our team will evaluate your request and will get back to you within 2 business days.
- [Thank you Agentic Accounts Receivable](https://www.getbalance.com/thank-you-agentic-accounts-receivable/): Our team will evaluate your request and will get back to you within 2 business days.
- [Thank you-smb-financing](https://www.getbalance.com/thank-you-smb-financing-request/): Our team will evaluate your request and will send you a credit limit offer within 2 business days subject to approval.
- [SMB Financing](https://www.getbalance.com/smb-financing/): Unlock instant funds to cover your ad spend upfront.Grow your business with attractive rates and repayment terms.
- [Protected: page for video](https://www.getbalance.com/page-for-video/): Stop stitching tools together. Automate complex B2B workflows for a self-serve payment experience— with zero credit risk and no AR overhead.
- [Homepage](https://www.getbalance.com/): Stop stitching tools together. Automate complex B2B workflows for a self-serve payment experience— with zero credit risk and no AR overhead.
- [Infrastructure](https://www.getbalance.com/infrastructure/): / Balance Under The Hood
- [Ivy](https://www.getbalance.com/ivy/): Find your next suppliers with Ivy, your AI procurement agent.
- [AI Underwriting](https://www.getbalance.com/ai-underwriting/): Discover how AI underwriting is redefining B2B credit by powering instant, data-driven decisions that reduce risk and drive scalable growth.
- [Terms & Conditions – Alibaba Co-Create Discount Promotion & Sweepstake](https://www.getbalance.com/co-create-terms-and-conditions/): 1. Eligibility
- [Balance B2B Credit, Inc.](https://www.getbalance.com/balance-b2b-credit-inc/): Balance B2B Credit, Inc. will be the licensed lender servicing California, Delaware, Maryland, Oklahoma,  South Dakota, and the District of Columbia.
- [Request a demo-step 3](https://www.getbalance.com/request-a-demo-step-3/): One of our experts will be in touch shortly.
- [About](https://www.getbalance.com/about/): We’re creating the financial backbone B2B needs—real-time credit intelligence,embedded financing, and autonomous AR powering every transaction.
- [Careers](https://www.getbalance.com/careers/): Join us in shaping the systems that power how businesses buy and sell and grow.
- [Request a demo](https://www.getbalance.com/request-a-demo/): Curious how Balance can help your business grow? Meet with our B2B payments experts to learn more.
- [Get API](https://www.getbalance.com/get-api/): Enter your info and we'll send you a link. 
- [Contact us](https://www.getbalance.com/contact-us/): Whether you’re ready to offer net terms, optimize your B2B payments, or just have a question—our team is here to help.
- [Partners](https://www.getbalance.com/partners/): Grow your clients’ businesses with Balance’s financial infrastructure for B2B commerce.
- [Thank you for download](https://www.getbalance.com/thank-you-for-download/): Our guides, blogs, and case studies have helped hundreds of your peers find the right payment strategy for their business. No fluff or sales pitches. Just insights.
- [Blog](https://www.getbalance.com/blog/): THE BALANCE BLOG Blog Topics All Topics AI in Finance AR Automation B2B Ecommerce B2B Marketplaces B2B Payments Business AR Automation Learn about the shift from traditional AR automation to agentic AR, and how it changes the day-to-day reality of AR teams. B2B Payments See how payment terms influence buyer decisions, with data showing measurable shifts in new buyer acquisition and monthly spend. AI in Finance Explore the key statistics, innovations, and use cases shaping AI in finance and how these redefine the future of financial operations. B2B Payments Balance’s Digital Net Terms turns receivables into a predictable system, with DSO Protection guaranteeing both the timing and the full amount of payouts. AR Automation Explore the metrics that define AR efficiency, the benchmarks that set top performers apart, and how B2B leaders can use them to strengthen cash flow. B2B Payments Balance MCP Server allows LLMs and AI agents to interact with Balance’s APIs, enabling secure, conversational access to payments, credit, and AR data. B2B Payments Balance's consolidated billing solution offers streamlined, flexible billing that works for both vendors and buyers, no matter how complex their needs. B2B Ecommerce Buyers get instant access to credit at checkout, with no added risk or overhead for Alibaba.com. B2B Ecommerce Instacart Business now offers invoicing—a streamlined way for organizations to pay and manage purchases. B2B Marketplaces Explore actionable tips that can help make your B2B ecommerce marketplace a top choice for buyers and vendors alike. B2B Payments Explore how you can boost net terms approval for SMBs while safeguarding your business, ensuring net terms benefit both you and your buyers. B2B Ecommerce Whether you’re trying to expand relationships with current B2B ecommerce buyers or convert new leads into bigger sales, learn strategies for boosting your AOV and revenue. B2B Payments Learn how net terms can strengthen buyer relationships and outline actionable strategies to make the most of them. B2B Ecommerce Explore what a checkout experience tailored to the unique demands of B2B buyers look like, with features that simplify the buying journey while ensuring smooth, efficient transactions. B2B Marketplaces Learn why optimizing payments and checkout is crucial for Shopify for wholesale ecommerce sites. B2B Ecommerce Explore 13 B2B ecommerce software solutions, their use cases and key features for scaling business, streamlining operations, and enhancing buyer experience B2B Payments Explore how flexible payment solutions like pay by invoice and net terms boost ad spend, elevate the buyer experience, and enable your platform to attract and retain top... B2B Payments Dive into practical ways to optimize your payment setup and explore how you can save up to 40% on processing fees. B2B Payments The future of B2B payments will depend a lot on embedded finance and the value it can add to the purchasing journey. B2B Payments The digital transformation of B2B is raising the stakes for both sellers and buyers. Here's how to stay ahead. B2B Marketplaces Learn how by creating a B2C-like payment experience that is seamlessly integrated into ERPs/eProcurement systems can make B2B marketplaces an effective channel growth. B2B Payments For B2B sellers, successfully transitioning to a modern digital payment experience requires a delicate balance of old and new payment methods. B2B Payments Delve into essential statistics, common challenges, and actionable strategies to enhance your accounts receivable collections process. B2B Ecommerce Explore the key aspects that you should consider when evaluating the best path for your accounts receivable and credit risk management teams. B2B Ecommerce Dive into how B2B buyers have different payment expectations, and how offering the right payment solutions such as net terms can impact your success. Business Balance’s suite launch addresses the full range of challenges that businesses selling online face today, from underwriting SMBs for net terms to globally and instantly paying out suppliers.  B2B Ecommerce Dynamic Net Terms, exclusively available on FashionGo in collaboration with Balance, offers buyers flexible wholesale terms tailored to their individual business needs and credit levels. B2B Ecommerce This blog will uncover what B2B needs to do to be as smooth and convenient as DTC and B2C, bringing growth, efficiency, and improvements across the supply chain.‍ Business This fresh round of investment encompasses so many things for Balance. B2B Payments Getting paid successfully is the ultimate goal of every business. Here's a VERY detailed guide about how to accept business payments in 2022. B2B Marketplaces The digitization of an industry like steel is the perfect example of what bringing B2B trade online could do for global supply chains. B2B Payments In this end of year review, we’ve rounded up some of the biggest changes and enhancements to Balance, including new partnerships, more robost capabilities, and more. While this... B2B Ecommerce In this analysis, we'll revisit the McKinsey myths identified in the original report and assess how relevant they still are while considering their implications for businesses in 2023... B2B Payments In this blog, we’ll cover why merchants need an easier way to scale ecommerce payments, what the different use cases are, and the results you can expect to... Show More
- [Newsroom](https://www.getbalance.com/newsroom/): Balance in the news News, stories, and updates on how Balance is helping power the future of B2B commerce. Newsroom Filter All News In the News Press Releases Show More
- [Resource Center](https://www.getbalance.com/resources/): Explore insights, stories, and practical guides to streamline payments, offer terms, and grow your B2B business. All Resource Type Filter All Resources Case Study Webinar White Paper Case Study Learn how to move faster, unlock new revenue, and give your buyers the experience they expect with Instacart Business and Balance. White Paper Explore why payment flexibility is a major growth driver and how payment terms affect customer acquisition, spend velocity, and buyer loyalty. White Paper Dive into the key evaluation criteria and essential features for designing a successful Digital Trade Credit program. Case Study By streamlining the payout process to courier vendors, Tyltgo made it easier for local businesses to meet the growing demand for same-day delivery - all on its delivery... Case Study PNOĒ offers the gold standard in flexible payment terms and gives their customers a better experience. Using their Balance account, PNOĒ generates invoices to gyms, payable in installments... Webinar Explore how to offer the right payment methods and terms at checkout that your B2B buyers and suppliers expect. Webinar Discover how optimizing payments with net terms and automated AR can simplify transactions, elevate the customer experience, and fuel business growth. Case Study By leveraging the Balance Platform, Banner has made it easy for construction managers to adjust the payment plan based on the structure of their deal. Case Study Learn how Bryzos found an all-in-one solution to leverage net terms, financing and instant payouts. Case Study Since using Balance, the Turn it Blue team has been able to focus solely on growing platform usage and driving simple solutions to more organizations. Case Study Response, a B2B marketplace, cut their time-to-pay by adding self-serve B2B checkout to their marketplace website. White Paper Learn essential strategies for retailers to
capture growth in the B2B market. White Paper A look at evolving payment preferences and trends shaping today’s B2B ecommerce buyers. White Paper Explore how to offer a B2B marketplace experience that is seamless and sophisticated. White Paper Explore the secrets behind effectively rolling out a modern customer experience. Case Study Explore how inBuild has moved from offline document processing to online payments, resulting in 3.6x average revenue growth each month. White Paper Learn strategic moves for navigating the future of digital. White Paper Learn how to leverage existing technologies to attract buyers, scale, and differentiate in the ecommerce space. White Paper Discover how MarketTime and Balance are revolutionizing B2B payment processing and financing. White Paper Learn how one company reduce processing costs by over 80%. White Paper How achieve success online in B2B? It begins with payments. Case Study Bay Supply leveraged Balance to offer net terms, stay compliant and provide a consumer-grade payments experience. White Paper Position your B2B organization to unlock $1.25 trillion in additional market capitalization with payments as your engine. With this comprehensive guide, you’ll discover: White Paper Discover what businesses are looking for in a global payment terms solution. White Paper Find out how B2B companies can gain a competitive edge with ecommerce payments. White Paper Ensure your trade credit application process is aligned with industry best practices and tailored to meet your customers' needs. Webinar Learn practical examples and actionable insights on credit card cost reduction, including interchange optimization, diversifying payment methods, and more. Case Study ChemDirect knew that their sales cycles could be improved considerably with a digital marketplace, and with it, a solution for the multifaceted complexities of marketplace payments. Enter: Balance. Webinar Explore effective solutions for complex B2B payment processing issues, and how resolving these challenges can fuel your business growth. Webinar Discover how to reduce payment processing costs and boost revenue growth. Case Study DR lowered their accounts receivable burden by hundreds of thousands of dollars, removed transactional risk, and spared their company the overhead of collection, reconciliation, and settlement. Show More

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- [Menu Company Mobile](https://www.getbalance.com/post/jet-menu/elementor-mega-item-3414/): About Us Careers Newsroom Contact Us
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- [Menu Solutions Mobile](https://www.getbalance.com/post/jet-menu/elementor-mega-item-3400/): By Use Cases Grow sales with net terms Enable payment by invoice Optimize payments cost Automate invoice-to-cash operations By Team Finance Teams Business Teams Ecom Teams Tech Teams Grow sales with net terms By Industry Retailer Travel & Hospitality Wholesale Manufacturing
- [Menu Products Mobile](https://www.getbalance.com/post/jet-menu/elementor-mega-item-3391/): Digital Trade Credit B2B BNPL B2B Payments Marketplace OS Integrations Products Pay-By-Invoice B2B BNPL Order-To-Cash Invoicing Collections Cash Application Payments Platform Infrastructure Integrations
- [elementor-mega-item-2511](https://www.getbalance.com/post/jet-menu/elementor-mega-item-2511/): By Use Cases
- [elementor-mega-item-2509](https://www.getbalance.com/post/jet-menu/elementor-mega-item-2509/): B2B BNPL Digital Trade Credit Integrations B2B BNPL
- [default-mega-item-2509](https://www.getbalance.com/post/jet-menu/default-mega-item-2509/)
- [Menu Company](https://www.getbalance.com/post/jet-menu/elementor-mega-item-226/): About Us Careers Contact Us Newsroom
- [Menu Learn](https://www.getbalance.com/post/jet-menu/elementor-mega-item-224/): Resource center Blog Guides & Reports Case Studies Webinars Product Updates API Docs Spotlight AI Underwriting
- [Menu Solutions](https://www.getbalance.com/post/jet-menu/elementor-mega-item-223/): By Use cases Grow sales with net terms Digital Trade Credit Integrations By Team Integrations By Industry Integrations
- [Menu Products](https://www.getbalance.com/post/jet-menu/elementor-mega-item-222/): Products Pay-By-Invoice B2B BNPL Order-To-Cash Invoicing Collections Cash Application Payments Platform Infrastructure Integrations
- [default-mega-item-222](https://www.getbalance.com/post/jet-menu/default-mega-item-222/): Products

## Products
- [Invoicing](https://www.getbalance.com/products/accounts-receivable-automation/invoicing/): Electronic Invoice Presentment and Payment Solution that delivers invoices instantly, gives real-time status visibility, and resolves billing disputes before they delay payment.
- [cash-application](https://www.getbalance.com/products/accounts-receivable-automation/cash-application/): Automate cash application with AI teammates that analyze the full context behind every payment in real time.
- [collections](https://www.getbalance.com/products/accounts-receivable-automation/collections/): AI Collections Software. Streamline collections with AI teammates, built-in communications, and real-time visibility. Lower DSO, get paid faster.
- [Agentic-Accounts-Receivable](https://www.getbalance.com/products/accounts-receivable-automation/): Lower DSO with always-on AI teammates that handle real-world AR complexity, so your team focuses on outcomes, not busywork.
- [Digital Trade Credit](https://www.getbalance.com/products/pay-by-invoice/): / Pay By Invoice
- [B2B BNPL](https://www.getbalance.com/products/b2b-bnpl/): With B2B BNPL, unlock buyer spend by offering instant financing at checkout. Online or in-store.
- [B2B Payments](https://www.getbalance.com/products/b2b-payments/): Easily integrate every payment method business buyers expect, optimized to boost your bottom line.
- [Marketplace OS](https://www.getbalance.com/products/marketplace-os/): Accept payments, make payouts instantly, and onboard sellers easily.
- [Integrations](https://www.getbalance.com/products/integrations/): Balance connects to leading B2B platforms and software, so you can accelerate time-to-market and easily roll out payments, no code required.

## Legal Pages
- [Balance Embedded B2B BNPL Terms](https://www.getbalance.com/legal/embedded-b2b-bnpl-terms/): Last Updated: January, 2026
- [Program End Customer Balance Terms](https://www.getbalance.com/legal/program-end-customer-balance-terms/): Last updated: April 1, 2024

## News
- [Shopware and Balance Partner to Enable Flexible B2B Payments for Shopware Merchants in North America](https://www.getbalance.com/news/shopware-and-balance-partner-to-enable-flexible-b2b-payments-for-shopware-merchants-in-north-america/): Through this partnership, Shopware merchants can integrate Balance directly into checkout and buyer portals to offer and manage their pay-by-invoice and B2B BNPL programs online, without building internal credit, billing, or collections operations.
- [Balance Introduces MCP Server, Enabling AI Agents to Analyze and Manage B2B Payments in Real Time](https://www.getbalance.com/news/mcp-server-ai-agents-b2b-payments-real-time/): Merchants can now query payment data, gain instant buyer insights, and manage tasks directly from their preferred AI chat interface.
- [B-Stock Partners with Balance to Power Flexible Payments and Terms on its B2B Recommerce Platform](https://www.getbalance.com/news/b-stock-balance-flexible-payments-and-terms-b2b-recommerce-platform/): The integration increases buyers’ purchasing power, accelerates fulfillment, and boosts operational efficiency
- [Balance Wins Tearsheet’s Most Innovative Payments Award 2025](https://www.getbalance.com/news/balance-wins-tearsheets-most-innovative-payments-award/): Recognition highlights Balance’s leadership in powering AI-powered trade credit and autonomous AR for modern B2B commerce.
- [Balance Named to CNBC’s 2025 List of the World’s Top Fintech Companies](https://www.getbalance.com/news/balance-cnbc-worlds-top-fintech-companies/): This prestigious award reflects Balance’s role in modernizing B2B payments and facilitating trade
- [Balance and Alibaba.com partner to bring flexible B2B payments to SMEs across the United States](https://www.getbalance.com/news/balance-and-alibaba-partner-flexible-b2b-payments-us-smes-united-states/): Alibaba.com’s U.S. users can now select Balance as a payment method at checkout to access financing
- [Instacart Business Adds Pay-by-Invoice Solution Powered by Balance](https://www.getbalance.com/news/8847/): Instacart Business Adds Pay-by-Invoice Solution Powered by Balance
- [Balance Integrates RTP Rails to Deliver Frictionless B2B ACH Payments and Improve Merchants’ Cash Flow](https://www.getbalance.com/news/balance-integrates-rtp-rails-to-deliver-frictionless-b2b-ach-payments-and-improve-merchants-cash-flow/): Balance Deliver Frictionless B2B ACH Payments with RTP Rails
- [Balance Powers Embedded Invoicing for Instacart Business Customers](https://www.getbalance.com/news/balance-powers-embedded-invoicing-for-instacart-business-customers/): Balance Powers Embedded Invoicing for Instacart Business Customers
- [The 14 retail-tech startups that will soar in 2023, according to investors from Forerunner, Lightspeed, and others](https://www.getbalance.com/news/the-14-retail-tech-startups-that-will-soar-in-2023-according-to-investors-from-forerunner-lightspeed-and-others-3/): Balance named one of the 14 retail-tech startups poised to soar in 2023

## Resources
- [How B-Stock Scaled Payment Terms With Balance](https://www.getbalance.com/case-study/how-b-stock-scaled-net-30-payment-terms-with-balance/): Discover how to offer flexible B2B payments without taking on credit risk or building financing infrastructure in-house.
- [How Alibaba.com Increased Buyer Purchasing Power with Balance](https://www.getbalance.com/case-study/alibaba/): Discover how to offer flexible B2B payments without taking on credit risk or building financing infrastructure in-house.
- [How Instacart Business Unlocked Growth with Balance](https://www.getbalance.com/case-study/instacart/): Learn how to move faster, capture more revenue, and deliver the payment experience buyers expect.
- [The B2B Payments Report 2025: Data-Backed Performance Metrics & Best Practices](https://www.getbalance.com/guides-and-reports/the-b2b-payments-report/): Explore why payment flexibility is a major growth driver and how payment terms affect customer acquisition, spend velocity, and buyer loyalty.
- [Checklist: How to Choose a Digital Trade Credit Solution for Your Business](https://www.getbalance.com/guides-and-reports/digital-trade-credit-solution-checklist/): Dive into the key evaluation criteria and essential features for designing a successful Digital Trade Credit program.
- [Tyltgo Solves Business Transaction Pain, Down to the Last Mile](https://www.getbalance.com/case-study/tyltgo/): By streamlining the payout process to courier vendors, Tyltgo made it easier for local businesses to meet the growing demand for same-day delivery - all on its delivery services marketplace.
- [PNOĒ – Building Healthy Fitness Businesses with Flexible Payments](https://www.getbalance.com/case-study/pnoe-building-healthy-fitness-businesses-with-flexible-payments/): PNOĒ offers the gold standard in flexible payment terms and gives their customers a better experience. Using their Balance account, PNOĒ generates invoices to gyms, payable in installments over time, but gets paid immediately by Balance.
- [Webinar: How to Boost Conversions with an Optimized B2B Checkout](https://www.getbalance.com/webinars/boost-conversions-optimized-b2b-checkout/): Explore how to offer the right payment methods and terms at checkout that your B2B buyers and suppliers expect.
- [Webinar: How to Win Business Buyers with Pay by Invoice & Net Terms](https://www.getbalance.com/webinars/win-business-buyers-pay-by-invoice-net-terms/): Discover how optimizing payments with net terms and automated AR can simplify transactions, elevate the customer experience, and fuel business growth.
- [How Banner Streamlined B2B Transactions with Simple Milestone Payments](https://www.getbalance.com/case-study/banner-streamlined-transactions-with-simple-b2b-milestone-payments/): By leveraging the Balance Platform, Banner has made it easy for construction managers to adjust the payment plan based on the structure of their deal.
- [How Top 50 B2B Marketplace, Bryzos, Stopped Worrying About Payments](https://www.getbalance.com/case-study/bryzos-case-study-top-50-b2b-marketplace-payments/): Learn how Bryzos found an all-in-one solution to leverage net terms, financing and instant payouts.
- [“Turn it Blue Digital” streamlines payment processing](https://www.getbalance.com/case-study/turn-it-blue-digital-streamlines-payment-processing/): Since using Balance, the Turn it Blue team has been able to focus solely on growing platform usage and driving simple solutions to more organizations.
- [Response cuts time-to-pay for high-growth businesses](https://www.getbalance.com/case-study/response-cuts-time-to-pay-for-high-growth-businesses/): Response, a B2B marketplace, cut their time-to-pay by adding self-serve B2B checkout to their marketplace website.
- [A Retailer’s Guide
to B2B Success](https://www.getbalance.com/guides-and-reports/b2b-guide-retailers/): Learn essential strategies for retailers to
capture growth in the B2B market.
- [The B2B Ecommerce Buyer Report](https://www.getbalance.com/guides-and-reports/the-b2b-ecommerce-buyer-report/): A look at evolving payment preferences and trends shaping today’s B2B ecommerce buyers.
- [Building and Scaling Your B2B Marketplace: Lessons from Industry Leaders](https://www.getbalance.com/guides-and-reports/building-and-scaling-your-b2b-marketplace/): Explore how to offer a B2B marketplace experience that is seamless and sophisticated.
- [The Full Ecommerce GTM Guide for Your Manufacturing Business](https://www.getbalance.com/guides-and-reports/the-full-ecommerce-go-to-market-guide-for-your-manufacturing-business/): Explore the secrets behind effectively rolling out a modern customer experience.
- [How inBuild Achieved a 3.6x Lift in Revenue by Digitizing B2B Payments](https://www.getbalance.com/case-study/how-inbuild-simplified-b2b-payments-for-the-construction-industry/): Explore how inBuild has moved from offline document processing to online payments, resulting in 3.6x average revenue growth each month.
- [The B2B Ecommerce Playbook](https://www.getbalance.com/guides-and-reports/the-b2b-e-commerce-playbook/): Learn strategic moves for navigating the future of digital.
- [Moving Online with Magento: From 0 to Ecommerce Powerhouse](https://www.getbalance.com/guides-and-reports/moving-online-with-magento/): Learn how to leverage existing technologies to attract buyers, scale, and differentiate in the ecommerce space.
- [Building Digital Payments Momentum](https://www.getbalance.com/guides-and-reports/building-digital-payments-momentum/): Discover how MarketTime and Balance are revolutionizing B2B payment processing and financing.
- [Transitioning from Credit Card to Bank Payments](https://www.getbalance.com/guides-and-reports/transitioning-from-credit-card-to-ach-bank-payments-how-one-platform-reduced-payment-costs-by-85/): Learn how one company reduce processing costs by over 80%.
- [Navigating the New Standards of Business Payments: A Guide](https://www.getbalance.com/guides-and-reports/navigating-the-new-standards-of-business-payments-guide/): How achieve success online in B2B? It begins with payments.
- [How B2B Marketplace Bay Supply Splits Net Terms at Checkout](https://www.getbalance.com/case-study/how-b2b-marketplace-bay-supply-splits-net-terms-at-checkout/): Bay Supply leveraged Balance to offer net terms, stay compliant and provide a consumer-grade payments experience.
- [The Strategic Role of Payments in B2B Digital Transformation](https://www.getbalance.com/guides-and-reports/strategic-role-of-payments-in-digital-transformation/): With this comprehensive guide, you'll discover:
- [Unlocking the Future of Global Payment Terms: A 2023 Report](https://www.getbalance.com/guides-and-reports/unlocking-the-future-of-global-payment-terms-a-2023-report/): Discover what businesses are looking for in a global payment terms solution.
- [The Evolution of B2B Sales: BigCommerce, Payments, and the Future of Commerce](https://www.getbalance.com/guides-and-reports/the-evolution-of-b2b-sales-bigcommerce-payments-and-the-future-of-commerce/): Find out how B2B companies can gain a competitive edge with ecommerce payments.
- [The Essential Net Terms Checklist](https://www.getbalance.com/guides-and-reports/the-essential-net-terms-checklist/): Ensure your trade credit application process is aligned with industry best practices and tailored to meet your customers' needs.
- [Webinar: Credit Card Cost Reduction for Distributors](https://www.getbalance.com/webinars/credit-card-cost-reduction/): Learn practical examples and actionable insights on credit card cost reduction, including interchange optimization, diversifying payment methods, and more.
- [How One Marketplace Leveraged Payments to Double Down on Ecommerce Growth](https://www.getbalance.com/case-study/how-one-marketplace-leveraged-payments-double-down-on-ecommerce-growth/): ChemDirect knew that their sales cycles could be improved considerably with a digital marketplace, and with it, a solution for the multifaceted complexities of marketplace payments. Enter: Balance.
- [Webinar: How to Transform B2B Payments to Drive Growth](https://www.getbalance.com/webinars/transform-b2b-payments-growth/): Explore effective solutions for complex B2B payment processing issues, and how resolving these challenges can fuel your business growth.
- [Webinar: How to Optimize Payment Processing](https://www.getbalance.com/webinars/how-to-optimize-payment-processing/): Discover how to reduce payment processing costs and boost revenue growth.
- [Double Robotics Makes Payments Easy for Institutional Customers](https://www.getbalance.com/case-study/double-robotics-makes-payments-easy-for-institutional-customers/): DR lowered their accounts receivable burden by hundreds of thousands of dollars, removed transactional risk, and spared their company the overhead of collection, reconciliation, and settlement.
- [How a Wholesale Distributor Graduated Its Customers to Digital Payments](https://www.getbalance.com/case-study/how-a-wholesale-distributor-graduated-its-customers-to-digital-payments/): Learn how Bay Fastening Systems, a wholesale distributor of fastening solutions, embraced a modern, streamlined approach to payments.
- [How HomeRoots effortlessly rolled out financing to customers](https://www.getbalance.com/case-study/homeroots-effortlessly-offers-financing-to-thousands-of-customers/): To make the B2B online shopping experience as easy as possible, HomeRoots knew they needed to improve their payment experience.
- [Active Logic achieves explosive growth with the help of Balance](https://www.getbalance.com/case-study/active-logic-achieves-explosive-growth-with-the-help-of-balance/): Learn how ActiveLogic reduced their DSO and streamlined their entire AR back-office.