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List of BNPL solutions that can be embedded via API into a B2B marketplace

4 min read

January 27, 2026

B2B marketplaces face the same structural tension everywhere:

Buyers expect payment terms (net 30, 60, 90 or instalments).
Suppliers want fast, predictable cash flow.
Marketplaces don’t want to become lenders.

The moment a platform uses its own capital or manages credit in-house, it takes on two things it didn’t sign up for:

Credit and default risk
Collections, disputes, and regulatory complexity

That’s why many B2B marketplaces turn to API-embeddable BNPL and adjacent financing solutions.

A note on terminology: In B2B, “BNPL” is a loose umbrella. Providers may describe their product as:

Pay by Invoice
Trade credit
Purchase financing
Embedded invoice financing
Credit-backed payments

Functionally, they all aim to achieve the same outcome: buyers pay later, sellers get paid upfront, and the marketplace avoids credit risk.

If you’re specifically looking for BNPL-style solutions that can be embedded via API into a B2B marketplace, four providers come up consistently:

Aria
Mondu
Tilta
iwocaPay

Below is how they map to different marketplace use cases — and how they differ in practice.

Aria: embedded invoice financing built into marketplace payment flows

Aria positions itself closer to embedded invoice financing than classic checkout BNPL.

The core idea is that financing runs behind the scenes, while the marketplace experience stays consistent for both buyers and suppliers.

How Aria works in a marketplace

Buyers and suppliers onboard directly through the marketplace
Invoices follow the platform’s existing workflow
Once an invoice is validated, suppliers can opt for early payout (often within 24 hours)
Buyers continue paying on standard net terms (30/60/90)
Aria underwrites the buyer, manages credit risk, collections, and recovery

The marketplace does not lend, pre-fund invoices, or run collections.

Aria also leans heavily into automation:

Credit decisioning
Invoice validation
Payments and reconciliation

This makes it viable at scale across thousands of invoices without creating operational drag.

Where Aria fits best

High invoice volumes
Supplier liquidity and retention are strategic priorities
Long-tail or SME suppliers need access to early payment
Financing should feel like core infrastructure, not a payment option

Mondu: B2B BNPL focused on checkout and conversion

Mondu represents a more traditional B2B BNPL model.

Buyers choose pay-later options (net 30/45/60/90 or installments) at checkout. The platform or seller gets paid upfront, while Mondu assumes credit risk and handles collections.

What stands out for marketplaces

API-first integration for custom checkout flows
Optional widgets or plugins for faster launches
Marketplace features such as fee splitting between buyers and sellers
Support for accounts receivable and dunning workflows

This makes Mondu attractive for platforms where checkout conversion is the primary constraint.

Where Mondu fits best

You want to improve conversion with familiar pay-later options
Checkout is a central surface in your product
You want flexibility in how BNPL fees are allocated
Speed-to-market matters

Tilta: API-first credit-backed payments for complex B2B marketplaces

Tilta is designed around the reality that B2B payments extend beyond checkout. Their positioning focuses on credit-backed payment infrastructure, delivered via modular APIs rather than a single BNPL widget.

What Tilta typically covers

Buyer onboarding and credit line creation
Pay-by-invoice and pay-later options
White-labelled experiences that preserve marketplace trust
Credit risk, collections, and default handling

Tilta also explicitly addresses challenges like:

Regulatory and compliance scaling
Large basket sizes
Multi-step and multi-party payment flows

Where Tilta fits best

Higher-value or more complex transactions
Custom payment journeys beyond a simple checkout
Multi-country or multi-currency ambitions
Marketplaces treating payments as a strategic layer

iwocaPay: omnichannel B2B pay-later across checkout and invoices

iwocaPay frames its product as a digital trade credit alternative. Sellers are paid upfront. Buyers repay iwocaPay later. Default risk sits with iwocaPay, not the marketplace or seller. A key differentiator is iwocaPay’s omnichannel focus.

What iwocaPay emphasises

Use across checkout, invoices, and offline payments
Existing ecommerce plugins alongside API access
Faster deployment for teams that want minimal build upfront

This makes it appealing for marketplaces operating across multiple sales channels.

Where iwocaPay fits best

Mixed environments (checkout + invoicing + offline orders)
Teams prioritising speed to launch
Platforms that want BNPL without deep customisation initially

Comparison of each BNPL solution

Dimension	Aria	Mondu	Tilta	iwocaPay
Product category	Embedded invoice financing	B2B Buy Now, Pay Later	Credit-backed payments infrastructure	Digital trade credit / B2B BNPL
Primary trigger	Supplier opts for early payment after invoice validation	Buyer selects pay-later at checkout	Configurable (checkout, invoice, or credit line)	Buyer selects pay-later (checkout or invoice)
Primary beneficiary	Supplier liquidity	Buyer purchasing power	Marketplace flexibility	Buyer purchasing power
Where it’s embedded	Invoicing and payment workflows	Checkout flow	End-to-end payment stack	Checkout, invoicing, and offline payments
API availability	API-first	API-first (plus widgets/plugins)	Fully API-first, modular	API available plus prebuilt integrations
Who underwrites credit risk	Aria (buyer underwritten)	Mondu	Tilta	iwocaPay
Does the marketplace take credit risk?	No	No	No	No
Supplier payout timing	Immediate or within ~24 hours (optional)	Immediate	Immediate	Immediate
Buyer payment terms	Net 30 / 60 / 90	Net terms or instalments	Configurable credit terms	Net terms
Impact on buyer experience	No visible change	New pay-later option at checkout	Configurable, white-labelled	New pay-later option
Impact on supplier experience	High visibility and control over early payment	Limited visibility	Configurable	Limited visibility
Collections & disputes	Handled by Aria	Handled by Mondu	Handled by Tilta	Handled by iwocaPay
Best suited for marketplaces that…	Prioritise supplier liquidity and scalable invoice flows	Optimise checkout conversion	Have complex, high-value, or multi-step payments	Operate across checkout, invoicing, and offline channels

What to look for when choosing an API-embeddable B2B BNPL solution

Most marketplaces don’t struggle to add BNPL, they struggle with everything that follows: disputes, fraud, edge cases, and scale.

Key evaluation questions include:

Who owns credit risk and disputes?

Ensure the model is non-recourse
Clarify how disputes, chargebacks, and non-payment are handled

How embedded is the experience?

Does financing feel native to the marketplace?
Or are users redirected into third-party flows at checkout?

Who controls pricing and fee allocation?

Can fees be absorbed, passed to buyers, charged to suppliers, or split flexibly?

How strong is the risk stack?

KYB/KYC, fraud prevention, and credit decisioning should be robust
But not at the expense of conversion or UX

Will it scale with your marketplace?

Consider countries, currencies, invoice volumes, and operational overhead

The takeaway

If you’re building or scaling a B2B marketplace and want BNPL-style payment terms embedded via API, there are credible options, but they are not interchangeable.

Aria sits closest to embedded invoice financing, optimised for marketplace payment flows and supplier liquidity
Mondu focuses on checkout-driven B2B BNPL with flexible fee mechanics
Tilta targets complex, credit-backed payment infrastructure for sophisticated marketplaces
iwocaPay emphasises omnichannel pay-later with fast deployment options

The right choice depends on what you’re optimising for:

Checkout conversion
Supplier retention and cash flow
Multi-geo complexity
Or building a long-term payments and financing layer as core marketplace infrastructure

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