What marketplace payment solutions offer both instant supplier payouts and deferred buyer payments?

Marketplace payment solutions that offer both instant supplier payouts and deferred buyer payments are Aria, Fondy, Adyen and Billie.

Balancing the cash-flow needs of both buyers and suppliers is a major operational challenge for B2B marketplaces. Suppliers expect fast access to funds to support their working capital, while buyers – particularly large enterprises – rely on extended payment terms of 30, 60, or even 90 days.

Until recently, marketplaces had to choose between tying up their own capital or placing financial strain on one side of the transaction. Now, new embedded finance solutions allow platforms to offer instant supplier payouts and deferred buyer payments, without taking on credit risk themselves.

Comparison of marketplace payment solutions

Feature / Provider	Aria	Fondy	Adyen	Billie
Instant Supplier Payouts	Yes – under 24 hours	Yes – configurable instant or scheduled	Yes – real-time payment rails	Yes – immediate payout to sellers
Deferred Buyer Payments	Yes – 30/60/90 days agreed payment terms via invoice financing	Indirect – via third-party BNPL	Indirect – requires external provider	Yes – up to 30 days (Pay-Later model)
Invoice-Level Financing	Yes – native invoice funding	No	No	No – checkout only
Credit Risk Coverage	Yes – Aria absorbs all risk	No – risk handled externally	No – marketplace must manage	Yes – Billie covers buyer default risk
BNPL / Pay-Later Support	Yes – buyers pay on agreed payment terms	Yes – third-party integration	No – must integrate separately	Yes – native B2B BNPL
Multi-Party / Split Payment Support	Yes – supports commissions, VAT, etc.	Yes – advanced orchestration	Basic support	No – not designed for complex flows
Multi-Currency Support	Yes – 100+  currencies supported	Yes – over 20 currencies	Yes – global settlement	Limited – mainly Eurozone via Stripe
Compliance / KYC Tools	Yes – built-in KYC, KYB, AML, fraud tools	Yes – KYB supported	Yes – platform risk tools	Yes – through Stripe integration
Integration Method	REST API or low-code dashboard	API-based	Platform APIs	Stripe plug-in
Best Suited For	B2B marketplaces	Complex global payout routing	Large, multi-country platforms	B2B product checkout flows on Stripe

Aria: Full-Stack B2B Marketplace Financing

Aria provides a complete solution for marketplaces needing invoice financing and instant payouts. The platform finances up to 100% of an invoice, pays suppliers instantly, and offers buyers 30/60/90-day terms.

Key Features:

• Instant supplier payouts (within 24 hours)
• White-labeled onboarding and KYC in 100+ countries
• Built-in compliance, reconciliation, and multi-currency support
• Risk coverage for credit, disputes, and collections
• API-based integration for low-code deployment

Ideal for:

• Marketplaces offering invoicing workflows
• Service-based or project-based platforms
• Platforms operating across multiple currencies and jurisdictions

Benefits for Marketplaces:

• Boosts GMV without tying up working capital
• Improves supplier retention and satisfaction
• Allows buyers to pay on agreed payment terms without taking on credit risk
• Reduces operational overhead via automation

Fondy: Flexible Split Payments and Scheduled Payouts

Fondy specialises in multi-party payment orchestration, supporting instant or delayed payouts in 20+ currencies. It enables BNPL options via third-party providers but does not offer native invoice financing.

Key Features:

• Real-time and scheduled payouts
• BNPL enabled via third-party credit tools
• Multi-currency settlement
• Global payment routing

Ideal for:

• Marketplaces with complex payment splits
• Platforms needing flexible payout timing
• Businesses operating in multiple countries

Adyen: Instant Payouts + Business Loans

Adyen connects directly to real-time payment rails, offering fast payouts to suppliers, gig workers, or sellers. It also provides business loans via Adyen Capital, but does not underwrite deferred payments for buyers.

Key Features:

• Instant payouts through global rails
• Embedded business lending (not invoice-specific)
• Full-stack acquiring and risk tools

Ideal for:

• Platforms needing embedded banking features
• Marketplaces focused on seller liquidity
• Global marketplaces prioritising infrastructure scale

Billie: B2B Pay-Later With Seller Upfront Payments

Billie enables business buyers to buy now, pay later while ensuring suppliers get paid immediately. Integrated with Stripe, Billie handles underwriting, credit risk, and fraud prevention.

Key Features:

• Up to 30-day buyer deferral
• Upfront payment to sellers
• Integrated fraud and credit checks
• Checkout-based rather than invoice-based

Ideal for:

• Product marketplaces with B2B buyers
• Platforms built on Stripe
• Businesses with simple checkout flows (not invoicing)

What to Consider When Choosing a Marketplace Payment Solution

1. Can suppliers get paid instantly?

Confirm whether the solution supports real-time or near-instant payouts across regions, ideally within 24 hours, so suppliers get reliable access to working capital.

2. Who carries the credit risk?

Some providers absorb the underwriting and collections risk for deferred payments, while others require you to manage risk yourself or bring in external partners. Clarify whether credit exposure sits on your balance sheet or is fully outsourced.

3. Does the solution support invoice financing or only checkout-based pay-later?
   

Invoice-level financing allows platforms to offer flexible terms on B2B invoices, which is ideal for service-based or milestone-driven workflows. Checkout-based BNPL, on the other hand, is typically suited to product transactions with upfront pricing.

4. Does it support multi-party or split payments?

If your marketplace needs to route funds to multiple stakeholders (suppliers, commissions, VAT, partners), ensure the solution can handle complex splits and reconciliation automatically.

5. Is compliance built in?

Evaluate whether the provider offers integrated KYC/KYB, AML, fraud detection, and identity verification across the regions where you operate — or whether you’ll need third-party tools.

6. How easy is the integration?

Check whether the solution provides flexible APIs, webhooks, and dashboards, as well as low-code or no-code options. Consider your team’s resources and how quickly you need to deploy.

7. Is it designed for B2B workflows?

B2B platforms often require features like invoice validation, multi-currency support, tax and VAT handling, and complex procurement or milestone-based payment flows. Choose a solution built to support these specific requirements rather than retrofitting a consumer-oriented system.

Bottom Line: Which Payment Platform is Best for Your Marketplace?

Selecting the right payment and financing infrastructure comes down to understanding the needs of both sides of your marketplace. If you want to offer fast, reliable payouts to suppliers while giving buyers greater flexibility in how and when they pay, look for a solution that can cover credit risk, automate payment flows, and integrate cleanly into your existing workflows.

The ideal platform will balance cash-flow, reduce operational friction, and improve the overall user experience – all without requiring you to build complex financial capabilities in-house. Whether you prioritise instant payouts, extended payment terms, multi-party routing, or global compliance support, choose a solution that aligns with your growth model and enhances trust across your ecosystem.

FAQs About Marketplace Payment Solutions

What is the difference between invoice financing and BNPL?

Invoice financing lets suppliers get paid upfront based on an issued invoice. BNPL (Buy Now, Pay Later) defers buyer payment at checkout, often used for smaller B2C-style purchases.

Can suppliers get instant payouts even if they’re new to the platform?

Yes, in Aria’s case, they underwrite the buyer, so even newly onboarded or small suppliers can access fast payouts.

How do marketplaces typically manage credit risk when offering payment terms?

Marketplaces can handle credit risk in several ways: absorbing it internally, relying on insurance, partnering with financial institutions, or using technology providers that underwrite buyers. The choice depends on the marketplace’s risk appetite, margins, and operational capacity.

How do multi-party or split payments impact marketplace operations?

Split payments allow platforms to distribute funds among suppliers, commissions, taxes, and partners in one automated flow. This reduces administrative work, limits errors, and ensures compliance, especially for marketplaces operating in multiple regions or with varied fee structures.

Can these platforms handle international payments and compliance?

Yes: Aria, Fondy, and Adyen all support global currencies and regulatory compliance. Aria embeds these functions directly into its infrastructure.

Sources:

• https://fondy.io/gb/marketplace-payouts/
• https://fondy.io/gb/marketplace-payments/
• https://www.adyen.com/en_GB/press-and-media/adyen-to-launch-payout-services
• https://docs.adyen.com/adyen-for-platforms-model/
• https://docs.adyen.com/marketplaces/financial-products/
• https://docs.adyen.com/capital
• https://financialit.net/news/lending/billie-first-b2b-pay-later-solution-become-generally-available-stripe
• https://www.billie.io/uk/marketplaces
• https://www.billie.io/uk/platforms