Merchant Terms & Conditions to Billie x Klarna Services

1. Acceptance Process

Purchase on account for business customers (Kauf auf Rechnung) via Klarna powered by Billie

The order is accepted by sending a declaration of acceptance in a separate e-mail or by delivery of the goods within three to four days. The declaration of acceptance by e-mail is sent by Billie GmbH, which has acquired the claim against the business customer if the payment method "Purchase on account for business customers powered by Billie" is selected.

2. Transfer of Claim

Business customers have the option to pay the invoice amount by bank transfer after receipt of the invoice ("Purchase on account"). To offer such services, there is a cooperation with as the case may be a payment service provider which in turn cooperates with Klarna Bank AB ("Klarna"), which in turn cooperates with the financial service provider Billie GmbH ("Billie") to offer the payment method "Purchase on account” to business customers. In order to pay the invoice amount by bank transfer, no registration on part of the business customer is required. After selecting the payment method during the ordering process, an address and credit check is performed by Billie. If such checks are successful, the order process can be carried out with the selected payment method and the claim against the customer is as the case may be first assigned to the payment service provider of the seller, then to Klarna Bank AB and consecutively to Billie. The invoice amount shall be paid within the payment period indicated on the invoice and to the account, which will be communicated to the business customer as part of Billie's payment instructions.

3. Privacy

If the payment method "Purchase on account for business customers powered by Billie" is selected, an address and creditworthiness check will be conducted by Billie as part of the ordering process. For this purpose, the following data provided as part of the order, required for this address and credit check, are transmitted to Klarna and Billie and partner companies commissioned by Billie (e.g. payment service providers, credit information agencies, collection partners, etc.):

  • Personal data and contact information: Information on the identity of the customer (title, first and last name, telephone number, e-mail address) and the company in whose name the order is placed (company name and legal form, registration number and data, address and contact data, e-mail address, telephone number, shipping and billing addresses, customer number, tax number, VAT identification number, information on the industry and company size);

  • Transaction-related data: Invoice amount and payment term, information about products you order, such as order ID, quantity, shopping cart and billing information, existing customer status.

This data is used by Klarna, Billie and partner payment service providers (if any) solely for the purpose of checking whether the payment method requested by the business customer is available and, if the check is successful, for processing this payment method. As part of this processing, Billie will send the customer information about the status of the order and invoice details to the e-mail address provided during the ordering process.

Klarna's Privacy Policy is available here:

Billie's Privacy Policy is available here:

Both Privacy Policies apply in addition to our Privacy Policy and our General Terms & Conditions.

4. Payment requests and payment reminders

When selecting the payment method "Purchase on account” powered by Billie, Billie will send payment requests and payment reminders via email. Payments shall exclusively be made to the account specified herein.

If a customer's payments cannot be clearly assigned, Billie has the right to offset incoming payments from a customer against outstanding claims of the merchant against this customer, whereby a payment is initially offset against the oldest outstanding claim. If there are several open claims of the same age, a payment will be credited proportionately to all claims.

5. Support

Technical support in case of issues with the selection and implementation of Billie Services is provided by Billie. Billie Support is available during business hours (Monday to Friday, 9 a.m. to 5 p.m., except on Berlin public holidays), at