E-Commerce Credit Insurance

Buy now pay later for B2B e-merchants with E-Commerce Credit Insurance

E-Commerce Credit Insurance for B2B e-merchants powers real-time customer credit online, with buy now pay later adding convenience, increasing basket spend and boosting online conversion rates.

This digital form of credit insurance from Allianz Trade supports fuss-free buy now pay later (BNPL) functionality, protecting B2B e-merchants from the risk of customer insolvency, or the inability to pay.

E-Commerce Credit Insurance can work alongside your chosen BNPL technology provider or a bank, to offer your B2B customers the convenience of deferred payment, plus the cashflow benefits of instant payment to you, including our cover in case of subsequent inability to pay.  
Our B2B BNPL platform partners such as Two, In3, PausePay and many others, provide the full BNPL value chain up to the payment immediately powered by Allianz Trade API connection. In case of buyers’ inability to pay, we provide the insurance cover. 

Our multi-country and multi-currency instant payment solution for multinationals works in a similar way as the domestic option, but also involves a banking partner (e.g. Santander Corporate & Investment Banking), paying you for online transactions in real-time.


Offer deferred payment to your customers in real-time by connecting the Allianz Trade API to your website and in the event that a customer is unable to pay, we step in. This option doesn’t include instant payment to you.
Boost loyalty by offering a superior more convenient online experience.
Increase basket size and online conversion rates with the convenience of BNPL.
With either the instant payment option or indemnification through your policy.
Set-up is straightforward using the Allianz Trade API connector and developer portal.
Allianz Trade gives you real-time underwriting decisions for individual transactions.
Claims are filed using the API and collection is included.
Evolving B2B purchasing patterns fuelled by the efficiencies of online selling are driving a B2B BNPL revolution, with Allianz Trade and our partners at the forefront of this shift.
annual compound growth forecast for B2B online sales this decade 1
of mid-large businesses’ sales
are now online 2
to 40% more spend on average with flexible payment options 3


1.Statistia research / 2.The new B2B growth equation, McKinsey & Co, 2022 /  3. Says B2B BNPL specialist Two

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