# B2B BNPL and net terms: what AI models recommend, November 2026

Gane Index, November 2026 Edition. Asked as "B2B buy now pay later provider" and as "net terms financing for B2B sales", six framings each, to fourteen models with search on, on behalf of a mid-market B2B company. Added to the November 2026 Edition. Page: https://www.gane.ai/index/finance/receivables/b2b-bnpl-and-net-terms/2026-11

**Standing:** Resolve Pay leads with 51% of first choices; verdict clear leader. 35 first choices across the direct, paraphrase, budget and scale prompts.

## First-choice share

| Rank | Product | Share | Negative rate | Labels |
|---|---|---|---|---|
| 1 | [Resolve Pay](https://www.gane.ai/index/finance/vendors/resolve-pay/index.md) | 51% | 2% | 50 |
| 2 | [Credit Key](https://www.gane.ai/index/finance/vendors/credit-key/index.md) | 23% | 0% | 36 |
| 3 | [Mondu](https://www.gane.ai/index/finance/vendors/mondu/index.md) | 6% | 3% | 30 |
| 4 | [Two](https://www.gane.ai/index/finance/vendors/two/index.md) | 6% | 7% | 29 |
| 5 | [TreviPay](https://www.gane.ai/index/finance/vendors/trevipay/index.md) | 3% | 8% | 37 |
| 10 | [Billie](https://www.gane.ai/index/finance/vendors/billie/index.md) | 0% | 3% | 29 |
| 11 | [Capchase Pay](https://www.gane.ai/index/finance/vendors/capchase-pay/index.md) | 0% | 0% | 22 |
| 12 | [Balance](https://www.gane.ai/index/finance/vendors/balance/index.md) | 0% | 11% | 19 |
| 13 | [Kriya](https://www.gane.ai/index/finance/vendors/kriya/index.md) | 0% | 0% | 11 |
| 14 | [Fundbox](https://www.gane.ai/index/finance/vendors/fundbox/index.md) | 0% | 10% | 10 |
| 60 | [Affirm for Business](https://www.gane.ai/index/finance/vendors/affirm-for-business/index.md) | 0% | 40% | 10 |
| 77 | [Hokodo](https://www.gane.ai/index/finance/vendors/hokodo/index.md) | 0% | 58% | 24 |

Rank is by share of first choices among all 77 products named; products with the same share are tied, and the order among them carries no meaning. The table lists those with at least 10 labels.

## Each model's first choice on the direct prompt

- Claude Haiku 4.5: Resolve Pay; alternatives Billie, Mondu, TreviPay
- GPT-5.4 mini: Credit Key; alternatives BILL
- Gemini 3.5 Flash: Resolve Pay; alternatives Balance, Billie, Capchase Pay, TreviPay
- Perplexity Sonar: Resolve Pay; alternatives Capchase Pay, Credit Key, Mondu, TreviPay
- Grok 4.20: TreviPay; alternatives Balance, Billie, Capchase Pay, Mondu
- Mistral Small: Credit Key; alternatives Capchase Pay, Resolve Pay, Two, Unzer
- DeepSeek V4 Flash: Resolve Pay; alternatives Credit Key
- Llama 4 Maverick: Resolve Pay; alternatives Billie, Credit Key, Mondu
- Qwen 3.7 Flash: Mondu, Two; alternatives Billie, Credit Key
- Kimi K2: Resolve Pay; alternatives Balance, TreviPay
- GLM 4.7 FlashX: Credit Key, Resolve Pay
- MiniMax M2.5: Resolve Pay; alternatives Billie, Capchase Pay, Credit Key, Two
- GPT-6 Luna: Resolve Pay; alternatives Credit Key, TreviPay
- Muse Glimmer 30B: Resolve Pay; alternatives Capchase Pay, Credit Key, TreviPay, Two

## Sources the answers cite

76 of 84 answers came back with a source list, from 14 of 14 models. Sites named in the most answers:

- resolvepay.com: 51 answers, 160 citations
- two.inc: 36 answers, 53 citations
- mondu.ai: 36 answers, 49 citations
- finder.com: 36 answers, 36 citations
- ratiotech.com: 28 answers, 33 citations
- creditkey.com: 25 answers, 45 citations
- allianz-trade.com: 24 answers, 32 citations
- billed.app: 19 answers, 19 citations

Pages named in the most answers:

- https://finder.com/business-loans/best-b2b-bnpl-apps (36 answers)
- https://mondu.ai/blog/best-b2b-bnpl-providers-europe (24 answers)
- https://billed.app/hub/online-payments/bnpl-for-b2b (19 answers)
- https://two.inc/resources/two-cents-blog/the-ultimate-2026-guide-to-b2b-buy-now-pay-later-providers-in-the-uk-enterprise-smb (19 answers)
- https://greylock.com/blog/bnpl-for-businesses (15 answers)
- https://allianz-trade.com/en_global/news-insights/business-tips-and-trade-advice/what-is-b2b-bnpl.html (12 answers)
- https://coinspaidmedia.com/business/top-5-global-b2b-bnpl-providers (12 answers)
- https://two.inc/resources/two-cents-blog/best-b2b-bnpl-providers-in-the-us-a-comparison-for-growing-businesses (12 answers)
- https://unzer.com/en/knowledge/articles/8-best-buy-now-pay-providers (12 answers)
- https://marqeta.com/blog/buy-now-pay-later-for-businesses (10 answers)

## Warned against

- Hokodo: 14 of 24 labels negative. "Hokodo is no longer an option: This European provider stopped accepting new business in November 2025 and is winding down operations." (Kimi K2, direct prompt)
- Klarna: 6 of 9 labels negative. "Avoid Consumer Brands for B2B: Be wary of using consumer-only giants like Klarna or Afterpay for high-value B2B items." (Qwen 3.7 Flash, budget prompt)
- Afterpay: 4 of 6 labels negative. "Avoid Consumer Brands for B2B: Be wary of using consumer-only giants like Klarna or Afterpay" (Qwen 3.7 Flash, budget prompt)
- Behalf: 3 of 3 labels negative. "Effectively defunct since early 2023 after halting new credit in 2022... treat with extreme caution" (Grok 4.20, negative prompt)

## Movement since October 2026

Floor: 10 points of share, measured on the calibration repeat.
Same leader: Resolve Pay at 51%.

- Credit Key: 14% to 23%, +9. Inside the floor by 1 point · rank 2 of 77, unchanged.
- Two: 0% to 6%, +6. Inside the floor by 4 points · rank 15 → 4 of 77.
- Resolve Pay: 56% to 51%, −5. Inside the floor by 5 points · rank 1 of 77, unchanged.
- Billie: 5% to 0%, −5. Inside the floor by 5 points · rank 3 → 10 of 77.
- Slope: 5% to 0%, −5. Inside the floor by 5 points · rank 4 → 15 of 77.
- Mondu: 2% to 6%, +4. Inside the floor by 6 points · rank 5 → 3 of 77.
- TreviPay: 0% to 3%, +3. Inside the floor by 7 points · rank 14 → 5 of 77.
- Balance: 2% to 0%, −2. Inside the floor by 8 points · rank 6 → 12 of 77.
- Fundbox: 2% to 0%, −2. Inside the floor by 8 points · rank 7 → 14 of 77.
- Capchase Pay: 0% to 0%, ±0. Inside the floor by 10 points · rank 17 → 11 of 77.
- Kriya: 0% to 0%, ±0. Inside the floor by 10 points · rank 18 → 13 of 77.
- Affirm for Business: 0% to 0%, ±0. Inside the floor by 10 points · rank 86 → 60 of 77.

## Record

- Method: https://www.gane.ai/index/finance/methodology
- License: CC BY 4.0. Cite as Gane Index, November 2026 Edition, www.gane.ai/index/finance.