Is there a B2B BNPL solution that works for in-store or POS payments?

Yes. B2B Buy Now, Pay Later can work for in-store or point-of-sale (POS) payments, but it looks very different from consumer BNPL at a retail checkout.

For B2B retailers, in-person BNPL isn’t about adding a “pay later” button to a card terminal. It’s about enabling payment terms at the moment of sale, without taking credit risk, changing sales workflows, or managing collections afterward.

Done right, in-store B2B BNPL feels simple: the buyer asks for terms, gets an instant decision, the store gets paid, and the provider handles everything else.

The most relevant B2B BNPL solutions for in-store or POS environments are:

Aria
Two
Mondu

What does “in-store” or POS actually mean in B2B?

In B2B, “in-store” rarely means a countertop card terminal. Most in-person B2B transactions involve:

Higher order values
Sales reps rather than self-serve checkout
Invoicing after delivery or service completion
Buyer approvals and credit terms

As a result, B2B POS BNPL is almost always software-based, not hardware-based.

From the retailer’s point of view, the flow is straightforward:

The buyer applies for financing, either during the transaction or in advance
A real-time credit decision is made
Payment terms are offered and accepted
The store gets paid
The BNPL provider handles repayment, follow-ups, and credit risk

Behind the scenes, this requires more infrastructure, but the in-store experience stays simple.

How does in-store B2B BNPL work behind the scenes?

While implementations differ, the core flow is usually the same:

Buyer and seller agree on a purchase in person
The seller initiates BNPL or net terms from a POS, CRM, or sales system
The BNPL provider runs a real-time credit and risk check
If approved, the order is confirmed
The seller or retailer is paid upfront
The buyer repays the BNPL provider later on agreed terms

The critical requirement is real-time API connectivity, so credit decisions and order confirmation happen instantly inside existing sales tools.

Aria: in-store BNPL with full lifecycle coverage

From a retailer’s perspective, Aria behaves like in-store BNPL: buyers apply for financing, get approved instantly, pay later, and the store gets paid.

The difference is that Aria continues working after the sale.

Rather than stopping at checkout, Aria embeds financing across the full order-to-cash flow, which makes it particularly well suited to B2B retail environments where invoicing, delivery, or validation happens after the transaction.

How Aria works for in-store or POS sales

The buyer applies for financing during or before the sale
Aria makes an instant credit decision
Payment terms are offered at checkout or during order creation
The sale is completed in the retailer’s existing system
The retailer gets paid upfront
Aria manages repayment, collections, and recovery

Behind the scenes, this is enabled through invoice-based flows that align naturally with how B2B sales are settled, without changing the in-store experience.

Why this works for B2B retailers

No new terminals or hardware for sales teams
BNPL is applied at the invoice level, not just checkout
Financing stays embedded within existing systems and brand
Suppliers and sellers get paid quickly

Two: purpose-built B2B BNPL for true in-store environments

Two is the most specialised provider for real-time, in-store B2B BNPL. Unlike many BNPL products that start online, Two is explicitly designed for physical B2B sales environments such as:

Trade counters
Showrooms
Physical B2B retail locations

How Two works in-store

A salesperson enters the buyer’s details during the sale
The buyer receives an SMS or app prompt to confirm the purchase
Credit approval typically happens in under two seconds
The sale is completed and invoiced
The merchant is paid upfront
Two handles repayment and credit risk

Two’s main strengths are speed and channel consistency. Buyers can use the same net-terms account online, over the phone, or in store, which is particularly valuable for omnichannel B2B retailers.

Mondu: multichannel B2B BNPL for online and offline sales

Mondu sits between classic checkout BNPL and deeper embedded financing. While best known for online B2B checkout, Mondu also supports offline and field-sales use cases through:

Sales portals where reps create orders manually
API integrations with ERP and marketplace platforms
BNPL flows that support invoices, telesales, and in-person transactions

In a POS or in-store context, Mondu enables:

Order creation on behalf of buyers
Net terms or instalments
Real-time credit checks
Upfront payment to retailers or marketplaces

This makes Mondu a good fit for businesses operating across multiple sales channels that want a single BNPL partner.

What B2B retailers should consider before offering in-store BNPL

Implementing BNPL at POS is less about checkout buttons and more about how sales are settled.

Key questions to answer include:

When does the buyer apply for financing, before or during the sale?
Where does the order originate? (POS, CRM, ERP)
When does invoicing happen? (immediate vs post-delivery)
Do you want instant approval at checkout or deeper lifecycle coverage?
How much operational and credit risk do you want to keep?

In many cases, the best solution isn’t just “BNPL at checkout”, it’s financing that feels like checkout but works across the full sales lifecycle.

Comparison of B2B BNPL solutions

Dimension	Aria	Two	Mondu
Primary product type	Embedded invoice financing and multichannel B2B BNPL	In-store B2B BNPL	Multichannel B2B BNPL
Designed for in-store use	Yes	Yes (purpose-built)	Yes
Typical POS trigger	Invoice validation or sale	Real-time approval during sale	Order creation by sales rep
Speed of credit decision	Real-time (invoice-based)	Real-time (often <2 seconds)	Real-time
Buyer payment terms	Net 30 / 60 / 90	Net terms	Net terms or instalments
Who underwrites credit risk	Aria (buyer underwritten)	Two	Mondu
Hardware required	None	None	None
Integration method	API into sales and finance flows or dashboard to begin with	API + SMS/app confirmation	API + sales portals

The takeaway

B2B BNPL can work in in-store and POS retail environments, but only when it’s designed around how B2B sales actually happen.

For retailers, BNPL should feel like a checkout feature: instant decisions, clear terms, and immediate payment.

The complexity belongs behind the scenes in credit underwriting, settlement, invoicing, and collections. When that’s handled by the right provider, in-store BNPL stops being a bolt-on and becomes part of the retailer’s core payment infrastructure.

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