Billie payments

Billie is a Buy Now, Pay Later payment method available to businesses in Germany, France, Netherlands, Sweden, Norway, Finland, Austria, Spain, Denmark, Switzerland, and the UK that gives your customers payment flexibility.

If customers select Billie as their payment method, Stripe redirects them to Billie’s website, where they’re granted the ability to pay in 30 days. You receive total payment immediately.

Payment flow

Below is a demonstration of the Billie payment flow from your checkout page:

Get started

You don’t have to integrate Billie and other payment methods individually. If you use our front-end products, Stripe automatically determines the most relevant payment methods to display. Go to the Stripe Dashboard and enable Billie. To get started with one of our hosted UIs, follow a quickstart:

• Checkout: Our prebuilt, hosted checkout page.
• Elements: Our drop-in UI components.

Other payment products

The following Stripe products also let you add Billie from the Dashboard:

• Payment Links

If your integration requires manually listing payment methods, learn how to manually configure Billie as a payment.

Prohibited and restricted business categories

In addition to the categories of goods or services sold and businesses restricted from using Stripe overall, the following categories are prohibited from using Billie:

• Betting/Casino Gambling
• Country Clubs
• Financial Institutions
• General Services
• Postal Services - Government Only
• Precious Stones and Metals, Watches and Jewelry
• Other categories at the discretion of Billie

Disputes

Billie has a claims process that allows transaction disputes. Customers can open disputes for cases of suspected fraud, double payments, or a difference between an order and a transaction amount.

After the customer initiates a dispute, Stripe notifies you using:

• Email
• The Stripe Dashboard
• An API charge.dispute.created event (if your integration is set up to receive webhooks)

Stripe holds back the disputed amount from your balance until Billie resolves the dispute.

We request that you upload compelling evidence proving that you fulfilled the purchase order using the Stripe Dashboard. This evidence can include the:

• Tracking ID
• Shipping date
• Record of purchase for intangible goods, such as IP address or email receipt
• Record of purchase for services or physical goods, such as phone number or proof of receipt
• Record of refund (for purchase you’ve already refunded)

To handle disputes programmatically, respond to disputes using the API.

This information helps Billie determine if a dispute is valid. Make sure the evidence you provide contains as much detail as possible from what the customer provided at checkout. You must submit the requested information within 12 calendar days. If Billie resolves the dispute with you winning, we return the disputed amount to your Stripe balance. If Billie rules in favor of the customer, the balance charge becomes permanent.

Refunds

Billie supports full and partial refunds. The refund period is up to 180 days after the purchase. Refunds for Billie payments are asynchronous and take up to 5 minutes to complete. Stripe notifies you of the final refund status using the refund.updated or refund.failed webhook event. When a refund succeeds, the Refund object’s status transitions to succeeded. If a refund fails, the Refund object’s status transitions to failed and we return the amount to your Stripe balance. You’ll then need to arrange an alternative way of providing your customer with a refund.

Connect

If you use Connect, you must consider the following before you enable and use Billie.

Request Billie capabilities for your connected accounts

Set the billie_payments capability to active on your platform account, and on any connected accounts you want to enable Billie for. You can also request more account capabilities.

Merchant of record and statement descriptors

The charge type of Connect payments might change the default statement descriptor and the merchant name that appears on the customer’s banking application and confirmation emails.

Supported currencies

You can create Billie payments in the currencies that map to your country. The default local currency for Billie is eur.