Your business customers need terms, you need cash
Your working capital is locked up
Your clients want 60-90 day payment terms. Meanwhile, you need to pay for stock.
The result? You become their bank. At your own risk.
Current solutions don't work
Internal credit team = fixed costs + bad debt risk. Banks = weeks of paperwork, strict criteria, and most of your clients don’t qualify.
Physical points of sale are being left behind
Most BNPL solutions are built for ecommerce. In-store, your sales team faces clunky processes and slow approvals.
The client loses patience. The sale is lost.
Discover Aria, the BNPL solution that integrates seamlessly into your ecosystem.
Aria replaces your internal credit process—or launches it from scratch—with a tech-enabled, funded, and insured solution.
Transparent and omnichannel integration
Whether you sell online, in-store, or both—our API works across your channels. One integration, one month, and payment terms become your competitive edge.
Instant decision-making
Our algorithm assesses creditworthiness in real-time and delivers a decision in seconds. No paperwork, no waiting. The transaction is approved immediately and the purchase journey stays seamless.
You get paid, we handle the rest.
You receive full payment within 24-48 hours. We handle everything else: credit risk, payment reminders, late payment management, and debt recovery.
B2B BNPL delivers results
Losing sales to competitors who offer payment flexibility? Here’s what B2B BNPL changes for retailers.
The Aria difference on B2B BNPL
Unmatched approval rates
We approve 90%+ of transactions, including new clients and smaller amounts. Aria assesses risk in real-time to say “yes” more often than traditional banks and most other market players.
Strong guarantees
Zero credit risk on your books. Our insurance covers every transaction in full. Client doesn’t pay? You’ve already been paid—your cash flow is safe.
The market's most flexible omni-channel integration
Seamless integration across online and physical channels. Dedicated support team. 2-4 weeks to go-live. Custom configuration that matches your existing processes.
How does it work?
An integration built for how you sell
Aria integrates seamlessly with your e-commerce platform or stores, via API or dashboard. White-label if you prefer, for a completely seamless experience. Your workflows remain unchanged, you’re paid within 24 hours.
BNPL for all types of traders
Construction
Food distribution
Spare parts
Medical equipment
Agricultural supplies
Medical sector
Still got questions? We have answers.
B2B Buy Now, Pay Later is a payment solution that enables your business clients to purchase immediately and pay in 30, 60, or 90 days—without you having to wait or manage credit yourself.
In practice: your client confirms their order, Aria pays you within 24-48 hours, and we collect payment from your client when it’s due. You protect your cash flow, we assume the risk.
You’re paid immediately
With traditional trade credit, you offer 60 days and wait 60 days (or longer). With Aria, you’re paid within 24-48 hours, regardless of when your client pays.
Risk stays off your balance sheet
Trade credit = you carry the bad debt risk. BNPL = we carry it. If your client doesn’t pay, it’s our problem, not yours.
Zero admin burden
No more payment chasing, bad debt provisions, or spreadsheets tracking due dates. Everything is automated, from credit decisions to collections.
- At checkout, your client selects “Pay in 30/60/90 days”
- Aria assesses in real-time: company data (Companies House), payment history, algorithmic scoring
- Decision in seconds: approved or declined, with maximum amount available
- Transaction confirmed, you’re paid, the client receives their confirmation
No. Zero friction.
Your client doesn’t need to create an account, sign a contract, or download anything. They select “Pay in X days” at checkout, enter their company registration number, and that’s it.
Aria handles everything via API, with no direct interaction with your client.
You do nothing, Aria handles everything.
- Aria manages automated reminders from the first day of delay
- If the delay persists, our collections team takes over
- You do nothing, you pay nothing extra
- Important: depending on your contract, Aria can assume 100% of the bad debt risk (via our integrated credit insurance) or share the risk based on your profile
Either way, you never have to manage collections yourself or use your own working capital.
Yes, absolutely.
Aria isn’t limited to e-commerce. If you have physical points of sale, showrooms, or a field sales team, your clients can use BNPL directly on-site.
Aria pricing depends on three parameters:
- The payment term offered (30/60/90 days)
- The volume financed
- Your clients’ risk profile
In practice, the commission is between 1.5% and 5% of the amount financed. Comparable to card processing or factoring fees.
You can:
- Absorb the cost (to accelerate sales)
- Pass it on partially or fully to your client
- Build it into your margins
Most of our clients choose to absorb the cost because the increase in average basket value and conversion rate more than offsets the commission.
The BNPL everyone knows (Klarna, Alma, PayPal Pay Later) is designed for end consumers. B2B BNPL shares the principle—buy now, pay later—but everything else changes. In B2B, the risk to you is higher because order values are larger and credit assessment is more complex.
The fundamental differences:
| Aspect | B2C BNPL (Klarna, Alma…) | B2B BNPL (Aria) |
|---|---|---|
| Who buys | Individuals | Businesses (SMEs, mid-market, enterprise) |
| Amounts | £50 – £5,000 | £500 – £500,000+ |
| Credit decision | Personal score (income, banking history) | Company score (accounts, financial health, sector) |
| Terms | 3-4 instalments interest-free over 3 months | 30, 60, 90 days net (or 120-180 days) |
| Verification | ID card, bank account | Company registration number, financial data |
| Bad debt risk | Low (small amounts) | High (large tickets, vulnerable businesses) |
| Risk coverage | Automated scoring | Scoring + credit insurance |
