# Billie: how AI models rank it, November 2026

Gane Index, November 2026 Edition. Named in 31 judge labels across 3 categories by 13 of 14 models. Page: https://www.gane.ai/index/finance/vendors/billie

## Standing by category

| Category | Share | Rank | Negative rate | Labels |
|---|---|---|---|---|
| [B2B BNPL and net terms](https://www.gane.ai/index/finance/receivables/b2b-bnpl-and-net-terms/index.md) | 0% | 10 | 3% | 29 |
| [B2B credit management](https://www.gane.ai/index/finance/receivables/b2b-credit-management/index.md) | 0% | 67 | 0% | 1 |
| [B2B payment acceptance](https://www.gane.ai/index/finance/receivables/b2b-payment-acceptance/index.md) | 0% | 66 | 0% | 1 |

## What the models said for it

- "Mondu or Billie (Europe-focused): If your operations are in the EU/UK, these offer flexible 30–90 day terms" (Grok 4.20, B2B BNPL and terms)
- "well-capitalized US/EU giants (Billie, Taulia, Tipalti) over niche startups for general B2B stability" (Qwen 3.7 Flash, B2B BNPL and terms)
- "dominate the European market, offering EMI‑licensed, non‑recourse BNPL and net terms" (GLM 4.7 FlashX, B2B BNPL and terms)
- "A solid European-focused option, particularly strong for wholesalers and manufacturers" (MiniMax M2.5, B2B BNPL and terms)

## And against it

- "Cautious use recommended outside core EU markets." (Grok 4.20, B2B BNPL and terms)

## By model

| Model | First choice | Alternative | Mention | Warning | Labels |
|---|---|---|---|---|---|
| Claude Haiku 4.5 | 0 | 2 | 0 | 0 | 2 |
| GPT-5.4 mini | 0 | 1 | 0 | 0 | 1 |
| Gemini 3.5 Flash | 0 | 2 | 0 | 0 | 2 |
| Perplexity Sonar | 0 | 1 | 0 | 0 | 1 |
| Grok 4.20 | 0 | 3 | 1 | 1 | 5 |
| Mistral Small | 0 | 1 | 0 | 0 | 1 |
| DeepSeek V4 Flash | 0 | 0 | 3 | 0 | 3 |
| Llama 4 Maverick | 0 | 1 | 2 | 0 | 3 |
| Qwen 3.7 Flash | 0 | 3 | 1 | 0 | 4 |
| Kimi K2 | 0 | 1 | 0 | 0 | 1 |
| GLM 4.7 FlashX | 0 | 1 | 0 | 0 | 1 |
| MiniMax M2.5 | 0 | 3 | 2 | 0 | 5 |
| GPT-6 Luna | 0 | 0 | 0 | 0 | 0 |
| Muse Glimmer 30B | 0 | 0 | 2 | 0 | 2 |

## Sources returned with these answers

The sites and pages cited by the answers that named Billie, from 75 of the 79 answers that named it (only the models that return a source list).

### Domains cited

- resolvepay.com: 52
- two.inc: 49
- finder.com: 40
- mondu.ai: 36
- cbinsights.com: 31
- creditkey.com: 28
- coinspaidmedia.com: 23
- ratiotech.com: 23
- billed.app: 22
- greylock.com: 19

### Pages cited

- https://finder.com/business-loans/best-b2b-bnpl-apps: 40
- https://two.inc/resources/two-cents-blog/the-ultimate-2026-guide-to-b2b-buy-now-pay-later-providers-in-the-uk-enterprise-smb: 28
- https://mondu.ai/blog/best-b2b-bnpl-providers-europe: 27
- https://coinspaidmedia.com/business/top-5-global-b2b-bnpl-providers: 23
- https://billed.app/hub/online-payments/bnpl-for-b2b: 22
- https://cbinsights.com/esp/financial-services/payments-tech/buy-now-pay-later-(bnpl)-%E2%80%94-b2b-payments: 22
- https://greylock.com/blog/bnpl-for-businesses: 19
- https://two.inc/resources/two-cents-blog/best-b2b-bnpl-providers-in-the-us-a-comparison-for-growing-businesses: 18

## In its own words

What Billie's own pages state, read 2026-10-05. Stated by the vendor, not checked by the index.

- Positioning: #1 Plattform für B2B-Zahlungen (https://billie.io/)
- For: B2B Onlineshops, Marktplätze und Plattformen (https://billie.io/)
- Price stated: Ohne monatliche Gebühr (https://billie.io/)

## What it publishes

Every page billie.io exposes, read 2026-10-05: 289 addresses. By kind, pages and the last 90 days:

- blog: 55 pages, 0 in the last 90 days, latest undated
- case study: 6 pages, 0 in the last 90 days, latest undated
- report or ebook: 7 pages, 0 in the last 90 days, latest undated
- template or tool: 6 pages, 0 in the last 90 days, latest undated
- glossary or explainer: 1 pages, 0 in the last 90 days, latest undated
- news or press: 19 pages, 0 in the last 90 days, latest undated

## 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.