How do I integrate a white-label financing solution into my marketplace checkout?

You can integrate a white-label financing solution into your marketplace checkout with an embedded invoice financing solution like Aria, a B2B BNPL focused solution like Kriya or via a PSP-native approach using a provider like Mollie that supports deferred and invoice-style payment methods

Adding financing to checkout is not just a technical exercise. It affects regulation, risk, UX, conversion, supplier retention and cash-flow. Done well, it becomes a growth engine; done poorly, it creates user friction and compliance exposure.

Below is a step-by-step guide to integrating financing into your marketplace.

Step 1: Define your goals and constraints

Before choosing a partner or starting development, clarify the problem you’re solving and the regulatory context you’re operating in.

Lending vs. financing

These two terms are often confused, but they carry very different regulatory obligations:

Lending

Issuing loans typically requires formal licensing
Example: In the UK, an FCA lending licence
High compliance overhead and long approval timelines

Invoice financing

A third party advances funds against invoices
You’re not issuing a loan; you’re enabling faster payments
Usually no requirement for the marketplace to become a lender

Trying to build this in-house introduces major constraints:

Your capital becomes tied up
You assume credit risk and collections
You must manage KYC, KYB, AML, fraud, disputes
Multiple vendors add complexity and operational cost

That’s why most marketplaces choose a white-label solution.

Clarify your requirements

To narrow down the right partner, define:

Who you serve: B2B, B2C, or hybrid
Product type: BNPL, invoice financing, instalments, leasing
Risk appetite: Do you want to assume any credit risk?
Brand control: Should financing be fully white-labeled?
Monetisation: Referral fees, spread, merchant fees, embedded revenue
Compliance boundaries: Consumer credit rules, disclosures, privacy
Technical setup: Do you need API-first or a low-code option?

These choices will strongly influence the partner category that fits your marketplace.

Step 2: Choose the right type of financing partner

Different providers serve different workflows. Selecting the wrong model leads to poor UX and weak adoption.

Option 1: B2B BNPL providers

Best for: Marketplaces focused on buyer conversion, basket size, and pay-later options at checkout.

How it works:

Buyers choose net terms (30/60/90 days) or instalments
Kriya pays the platform or seller upfront
Kriya handles underwriting, limits, collections and risk

Integration options:

Direct API
Hosted checkout page
eCommerce plugins
PSP integrations (e.g. Stripe)

Strengths:

Quick win for B2B conversion
Familiar checkout pattern for buyers
Lightweight integration

Limitations:

Buyer-centric; does not address supplier cash flow
Not designed for invoice-heavy or milestone billing workflows

Option 2: PSP-native payments and deferred options (e.g., Mollie)

Best for: Marketplaces that want a simple, fast checkout integration for multiple payment methods (including BNPL and pay-by-invoice) without heavy custom build.

How it works

Rather than building a complex financing stack yourself or adopting a Banking-as-a-Service product, you can leverage your PSP’s existing payment methods and add deferred payment or invoice options at checkout. Mollie, for example, is a licensed Payments Service Provider that supports:

A wide range of checkout payment options, including cards, direct debit, wallets, and BNPL methods like Billie via its platform
Hosted and API-based checkout components optimised for conversion and localisation
Digital invoicing and payment links that streamline receivables and reconciliation

These PSP-native solutions allow you to add flexible payment methods without building finance infrastructure yourself, reducing engineering complexity and lowering time-to-market.

Advantages

Very fast integration
One provider for payments + deferred methods
Leverages hosted checkout components to boost conversion
Reduces operational overhead

Limitations

Limited control over credit decisioning or underwriting logic
Historically more buyer-focused (doesn’t inherently solve supplier sweat liquidity)

Option 3: Embedded invoice financing providers (e.g. Aria)

Best for: Marketplaces where suppliers must be paid fast and buyers need standard net terms, without the platform becoming a lender.

How Aria works:

Seller completes work → invoice validated
Aria pays the supplier within 24 hours
Buyer pays on their usual terms
Marketplace carries no credit risk
Integration sits after the payment flow, alongside your PSP

Checkout control matters

With embedded invoice financing, the marketplace remains fully in control of the checkout experience. A partner like Aria does not dictate checkout design, payment steps, or buyer UX.

Platforms are free to:

Build whatever checkout flow converts best
Use their preferred PSP
Offer pay-later terms of up to 60 days

Designing high-converting checkout flows is a complex discipline in its own right. Aria deliberately does not interfere with it. Instead, Aria integrates around the payment flow, trusting platforms and PSPs to optimise checkout, while Aria handles financing, risk, and supplier payouts behind the scenes.

Embedded capabilities:

White-label flows
Automated invoice ingestion
KYC/KYB and fraud checks
Instant credit decisioning
Collections handled by Aria
Support for long-tail SMB suppliers

Ideal when

You run a B2B or two-sided marketplace
Supplier retention is critical
You want financing without regulatory burden
You need an operationally scalable solution

Step 3: Design the checkout and user journey

Financing must feel like part of the platform, not an interruption.

Decide where financing appears

As a payment option at checkout
As a cart-level message (“Pay suppliers instantly”)
As a post-checkout option for suppliers

Define the qualification flow

Financing should not introduce friction.

Instant eligibility assessment
Soft checks where possible
Minimal data collection (often just registration ID)
Clear fallback options

Example: Aria typically approves financing in milliseconds with >90% instant decisions.

Consider notifications and repayments

Automated repayment schedules
Email/SMS reminders
Transparent invoice status
Self-service buyer and seller dashboards

The goal: no redirections, no broken journeys, no confusion.

Step 4: Integrate, then scale

Technically, most integrations follow a consistent pattern:

Add financing as a checkout option
Trigger an eligibility request via API
Send buyer/seller/order data
Display the financing decision in real time
Complete the order flow normally
Handle repayments and collections via the provider

Use sandbox testing to validate:

Approval/decline logic
Error handling
Disputes and edge cases
Counterparty onboarding flows

Scale gradually

A best practice is to launch to a small segment first. Monitor:

Conversion lift
Supplier payout speed
Financing adoption
Disputes and repayment performance
Impact on GMV and retention

Why invoice financing scales well

Aria lets marketplaces start manually through a dashboard, then expand to full API automation as volumes grow. All risk, compliance, and credit operations scale with you.

Why embedded financing works best at checkout

Checkout is the moment where transactions either complete — or don’t go through at all.

Without financing

Buyers hesitate without flexible terms
Suppliers wait weeks to be paid
Marketplaces face leakage, cancellations, and churn

With embedded financing

Suppliers get paid within 24 hours
Buyers keep their preferred terms
Marketplaces stay asset-light and risk-free
Checkout friction disappears
GMV increases without tying up capital

Financing becomes part of the product, not an add-on.

Aria vs. Kriya vs. Solarisbank: Which Should You Use?

Provider	Best For	Strengths	Limitations
Aria	B2B marketplaces needing fast supplier payouts & flexible buyer terms	Invoice financing, low friction, no risk for marketplace, long-tail supplier inclusion	Not a classic BNPL checkout plug-in
Kriya	Marketplaces optimising buyer conversion with BNPL	Simple checkout integration, boosts AOV & conversion	Doesn’t solve supplier-side liquidity
Mollie	Marketplaces needing fast, simple payment + deferred options via PSP	Quick integration, broad payment methods, hosted checkout tools	Limited custom credit logic

FAQs

1. What is the easiest way to integrate white-label financing into a marketplace checkout?

The easiest approach is to use a provider that offers API-based, fully white-label financing flows. Most marketplaces integrate by adding a financing option at checkout, sending buyer and transaction data via API, and showing an instant eligibility decision to the user. Solutions like embedded invoice financing handle risk, underwriting, KYC/KYB, and collections in the background, which reduces engineering and compliance overhead.

2. Do I need a lending licence to offer financing at checkout?

Usually no, as long as you partner with a provider that finances invoices or extends credit on your behalf. Invoice financing providers act as the lender of record, meaning you don’t need FCA or equivalent licensing. You would generally need a licence only if you plan to originate loans yourself or operate a regulated lending program.

3. What data is required to run financing checks during checkout?

Most white-label financing providers require only a minimal dataset to make instant decisions. This typically includes:

Basic company identification (e.g., registration number)
Invoice or order value
Buyer/seller details
Transaction history if available

Providers with automated risk engines can return decisions in milliseconds with no additional user input.

4. Will adding financing slow down the checkout experience?

No, modern financing APIs are designed to operate behind the scenes and return instant decisions. A well-implemented flow avoids redirects, reduces steps for buyers and sellers, and integrates eligibility checks within the existing checkout UI. The best solutions feel like a native payment method rather than a separate credit application.

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