Every category where a model named Billie for a mid-market B2B company. Share is first choices across the direct, paraphrase, budget and scale prompts; rank is within every product named in that category.

Category	Function	Share	Rank	Negative rate	Labels	Quadrant	Since September 2026
B2B BNPL and net terms	Receivables and billing	5%	3 of 90	8%	24	accepted challenger

Movement

This is the first edition on this tier, so no move can be computed for Billie yet. From the next edition this section shows, per buyer segment and per category, whether its share moved by more than the measured noise floor.

By model

How each model treated Billie across every prompt where it was named for a mid-market B2B company. Fourteen models, six prompts per category.

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Model	First choice	Alternative	Mention	Negative	Labels
Claude Haiku 4.5	0	2	0	0	2
GPT-5.4 mini	0	1	0	0	1
Gemini 3.5 Flash	1	2	0	0	3
Perplexity Sonar	0	2	0	0	2
Grok 4.1 Fast	0	1	0	0	1
Mistral Small	1	0	0	0	1
DeepSeek V4 Flash	0	1	0	1	2
Llama 4 Maverick	0	0	0	0	0
Qwen 3.7 Flash	0	1	1	0	2
Kimi K2	0	1	1	0	2
GLM 4.7 FlashX	1	0	0	0	1
MiniMax M2.5	0	1	2	0	3
GPT-6 Luna	0	1	0	0	1
Muse Glimmer 30B	0	1	1	1	3

By framing

Which of the six questions produced the naming. By model says how often; this says asked what. The first-choice count on the right carries the marks of the models that produced it.

FramingLabels by classFirst choices

Direct15 labels3

Paraphrase3 labelsNone

Comparative27 labelsNone

Budget-constrained8 labels1

Scale-constrained6 labelsNone

Negative12 labels2not counted in share

First choiceAlternativeMentionNegative71 labels in all, every segment counted; 4 of the 6 first choices count toward share, since the comparative and negative framings do not. The bar is one segment per label class, to scale within the framing.

What the models said for it

Verbatim evidence the judge attached to positive labels.

“I'd recommend starting with Billie if you operate in Europe or Credit Key if you're US-focused.” GLM 4.7 FlashX · B2B BNPL and terms · direct prompt · first choice

“Mondu and Billie are the top choices due to their B2B specialization and flexibility” Mistral Small · B2B BNPL and terms · direct prompt · first choice

“Only work with 100% non-recourse providers (such as Resolve, Billie, or Two).” Gemini 3.5 Flash · B2B BNPL and terms · negative prompt · first choice

“Billie offers the longest payment terms at 14-120 days and highest credit limits of €100,000+ per buyer” Claude Haiku 4.5 · B2B BNPL and terms · comparative prompt · alternative

And against it

Verbatim evidence attached to negative labels. A warning on a product with few labels is a warning; on a product with many, it is one voice among them.

“Some users report that additional business verification is normal but adds friction... Some customers report slow or inflexible support handling.” Muse Glimmer 30B · B2B BNPL and terms · negative prompt · soft negative

“be wary if you have complex billing structures, frequent entity changes, or need fast, flexible dispute resolution” DeepSeek V4 Flash · B2B BNPL and terms · negative prompt · soft negative

Named alongside

The products named in the same answers as Billie, over the 71 answers that named it. Took the first choice instead counts the answers where the other product was the first choice and Billie was named but was not.

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ProductSame answerTook the first choice insteadHead to head

Resolve Pay58 of 7125Compare →

Mondu49 of 711Compare →

TreviPay42 of 7113Not among the top eight

Balance36 of 711Compare →

Hokodo34 of 711Not among the top eight

Credit Key28 of 714Compare →

Two25 of 714Not among the top eight

Slope21 of 711Compare →

Fundbox17 of 710Compare →

Capchase Pay12 of 710Not among the top eight

A head-to-head page exists where both products are among a category's top eight. The other rows are the same fact without a page behind them, so they link to the product instead.

What carried it into the answer

The sites and pages cited by the answers that named Billie. A fact about retrieval, not a lever on the model.

Citations exist only for the models that return a source list, five of the fourteen in this edition, so these counts come from 71 of the 71 answers that named Billie and are not a share of its labels.

Domains cited

resolvepay.com67

mondu.ai35

finder.com32

fintechspecs.com32

two.inc32

solidgate.com30

whop.com22

order.co21

ratiotech.com19

unzer.com18

308 of the 308 domain citations in answers naming Billie came from somebody else's page.

Pages cited

resolvepay.com/blog/best-bnpl-b2b52

finder.com/business-loans/best-b2b-bnpl-apps32

solidgate.com/blog/buy-now-pay-later-bnpl-merchants-guide30

fintechspecs.com/blog/best-b2b-bnpl-providers-embedded-trade-credit-platforms26

whop.com/blog/best-bnpl-providers21

order.co/blog/finance/b2b-bnpl20

mondu.ai/blog/b2b-bnpl-provider-guide19

unzer.com/en/knowledge/articles/8-best-buy-now-pay-providers18

Pages are listed as the models cited them.

Search and answers

billie.io is not in Google's top ten for any of the category's searches. In the answers, Billie takes 5% of first choices and Resolve Pay takes 56%.

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In search

Google, US estimates

Position for “b2b buy now pay later provider”

–

not in the top ten

Position for “b2b bnpl and net terms providers”

–

not in the top ten

Searches for its name, Google: 40,500 a month (“billie”)
AI search demand for its name, est.: 386,430 a month
Organic visits to its site: about 333 a month
Searches its site ranks for: 464 · 4 in the top three
Sites linking to it: 1,194
Paid Google search: No ads found in the estimate; that does not mean it runs none

Ads on Google

None found in Google's ad transparency records for the US

In answers

This edition

Share of first choices

rank 3 of 90 in B2B BNPL and terms

Segment leader

56%

Resolve Pay

First choices: 4 across its categories
Named in: 71 answers
Its own site cited: in 71 of the answers that named it

Search figures are US estimates from DataForSEO, read October 5, 2026; AI search demand is its modeled, directional estimate, not a count of queries to any assistant. The answers are this edition's. Two measurements side by side: neither is read as the cause of the other.

What it publishes

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Addresses on billie.io

289

subdomains included

Content

counted in the table below

Documentation

Product · Integration

2 · 0

Kind	Pages	Last 90 days	Categories named
Blog	55	undated	B2B BNPL and terms
News or press	19	undated
Report or ebook	7	undated
Case study	6	undated
Template or tool	6	undated
Glossary or explainer	1	undated

How it is countedHide how it is counted

Every page billie.io exposes, subdomains included. Kind is read from the address and title. The last 90 days, the latest date and the twelve months count pages by when they were published, from the site's feeds, a date in the address, or the page's own publication date, read from up to a hundred of its most recently changed pages; a page that says only when it last changed is counted in its kind but not in when, so the recent counts are a floor, and a kind none of whose pages gives a publication date reads undated. Read October 5, 2026.

Follow Billie

An email the morning each edition publishes: where this product moved, where it held, and by how much against the noise floor. One address, confirmed by a click; a stop link in every email.

Already following? Everything you follow, with a stop for each.

The company

Billie is its own company.

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In its own words

Stated by the vendor, not checked

Positioning: #1 Plattform für B2B-Zahlungen
billie.io
For: B2B Onlineshops, Marktplätze und Plattformen
billie.io
Price stated: Ohne monatliche Gebühr billie.io
Not stated on the pages read: Starting price, free plan or trial, integrations, certifications, hosting, customers

What Billie's own pages state, read October 5, 2026: billie.io, billie.io/uk/compliance, billie.io/en/platforms. A claimed page can correct any of them.

Is this your product?

Claim this page

Claiming is free and changes nothing in the data. A claimed page shows a verified contact who is told when each edition publishes and when Billie's standing changes by more than the noise floor; the right to propose corrections to the vendor table, meaning names the judge wrote that should or should not read as Billie, applied by version and listed in the change log; and a one-line description supplied by the vendor and marked as such.

What a new claim receivesHide what a new claim receives

A new claim receives the current edition's vendor brief for Billie by email, built from the raw record of the edition. It shows:

where Billie is named, by buyer and by framing, and which cells hold its first choices;
the claims the models make when they name it, ranked, with the strongest and the weakest quoted;
its vocabulary against the segment leader's, and the pages the models cited;
who was chosen in the answers that did not name Billie, and every reason the record gives;
a battlecard for each top rival: the head-to-head split, why they win, and the reservation quoted against them;
one page of published figures cleared to show a buyer.

Badges

Wins only: a badge exists where Billie is ranked in a category's top three this edition. Three sizes, one file each, light and dark; the code is under each.

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Billie is among the products AI models recommend first in B2B BNPL and net terms this edition. Each badge says so in the buyer's words, names the edition, and links to the standing. The next edition issues a new badge; this one stays true as a record of October 2026.

Wide · 320 × 104 Website, beside other badges

Show the code

<a href="https://finance-ai-index.com/receivables/b2b-bnpl-and-net-terms/"><img src="https://finance-ai-index.com/badges/2026-10/billie--b2b-bnpl-and-net-terms-wide.svg" alt="Among AI models' top three in B2B BNPL and net terms, October 2026 Edition, Finance AI Recommendation Index" width="320" height="104"></a>

Copy the code as it is. The link is part of the badge: it points at the B2B BNPL and net terms standing, where the claim can be checked.

Square · 240 × 240 LinkedIn, slides

Show the code

<a href="https://finance-ai-index.com/receivables/b2b-bnpl-and-net-terms/"><img src="https://finance-ai-index.com/badges/2026-10/billie--b2b-bnpl-and-net-terms-square.svg" alt="Among AI models' top three in B2B BNPL and net terms, October 2026 Edition, Finance AI Recommendation Index" width="240" height="240"></a>

Copy the code as it is. The link is part of the badge: it points at the B2B BNPL and net terms standing, where the claim can be checked.

Compact · 200 × 56 Email signature, footer

Show the code

<a href="https://finance-ai-index.com/receivables/b2b-bnpl-and-net-terms/"><img src="https://finance-ai-index.com/badges/2026-10/billie--b2b-bnpl-and-net-terms-compact.svg" alt="Among AI models' top three in B2B BNPL and net terms, October 2026 Edition, Finance AI Recommendation Index" width="200" height="56"></a>

Copy the code as it is. The link is part of the badge: it points at the B2B BNPL and net terms standing, where the claim can be checked.

Badges read on light and dark pages. Alt text carries the claim, the category, the edition and the index, so it stays a citation where the image does not load.