# Billie

**Canonical:** https://apis.io/providers/billie/  
**Website:** https://www.billie.io/  
**APIs profiled:** 1

Billie is a Berlin-based B2B "buy now, pay later" (BNPL) payment provider that lets merchants offer business buyers invoice purchase, pay-after-delivery, and installment terms at checkout while Billie assumes the credit and fraud risk and pays the merchant out. Its Payment API v2 (paella.billie.io) uses OAuth 2.0 client-credentials and covers checkout sessions, a hosted payment page, direct backend order creation, order management, captures (invoicing), payment confirmation, refunds/credit notes, and a webhook event surface. Billie also ships an embeddable checkout widget, a PHP SDK, e-commerce plugins (Shopware, Magento, WooCommerce, JTL), and partner routes via Klarna, Mollie, Adyen, Stripe, and Kustom. Backed by Creandum and Speedinvest.

## Kin Score — 38.6 / 100 (thin)

Scored 2026-08-30 under rubric 0.17.2. Trend: flat (+0.0 from 38.6).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 42.7 |
| Governance | 4.5 |
| Contract Governance | 4.5 |
| Operational Transparency | 31.6 |
| Developer Ergonomics | 54.2 |
| Commercial Clarity | 17.1 |
| Access Clarity | 17.1 |

Regulatory layer — **Payments**: 42.2 (matched via tags).

## Agent readiness — 23.6 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (1)

- **Billie Payment API** — OAuth2 client-credentials REST API for B2B BNPL: checkout sessions, hosted payment page, backend order creation, order management, captures (invoices), payment confirmation, ref...

## MCP servers (1)

- **Billie MCP Server**

## Security (3)

- **Billie Authentication** — oauth2 · 1 scheme
- **Billie Domain Security** — TLSv1.2 · HSTS · DMARC
- **Billie Vulnerability Disclosure** — security.txt · contact published

## Tags

Company, Fintech, Payments, BNPL, Buy Now Pay Later, B2B, Invoicing, Checkout, Germany

---

Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/billie/). Scores are computed from the provider's own public artifacts under a published rubric.