Yes, Mondu’s flexible payment options are available to all types of business buyers, but not to consumers. We only handle B2B transactions.

Comprehensive platform: Mondu is the only B2B payments platform that serves both sellers and buyers directly. With Mondu, sellers can offer flexible payment options to their buyers without risk, while buyers can access MonduFlex and MonduCard to optimize their working capital and defer supplier payments – regardless of whether their suppliers use Mondu. This makes us uniquely positioned to improve cash flow for all parties in B2B transactions.

Availability: Mondu’s solution is available for merchants, marketplaces, and buyers across most of Europe including the UK, for online as well as offline sales. Mondu is the only BNPL solution provider to hold an EMI (Electronic Money Institution) license, issued by the Dutch central bank (DNB), allowing it to operate across all EEA markets. Mondu is also registered with the FCA in the UK. 

Approval rate and basket size: Mondu offers the highest approval rates, with real-time approval for purchases up to €1 million. Sellers can approve additional orders beyond those that Mondu approved, for which they will assume the risk of non-payment. Merchants will still benefit from Mondu’s credit checks and collection services for these additional orders.

Variety of payment solutions: Mondu provides the largest variety of B2B payment options. 

• For sellers: invoice payment (Net 30-90 days), installments (3, 6, and 12 months), Digital Trade Account, and Instant Pay. 
• For buyers: MonduFlex (defer supplier payments up to 60 days) and MonduCard (business credit card with up to 45 days payment terms).

Streamlined operations: Mondu provides automatic reconciliation and netting of payouts which help streamline financial operations and improve cash flow management. Mondu integrates into merchants’ ERP and CRM systems, as well as into the banking layer and can provide vIBANs.

Mondu’s BNPL products include real-time fraud and credit checks for each order, unlike Factoring which does not protect against fraud.

Mondu offers flexible payout terms, which are determined between Mondu and the merchant based on financing needs.

Mondu’s flexible payment solutions come with full service that includes the handling of dunning and collection. For the dunning process, Mondu will send out payment reminders. The dunning fees are to be paid by your customers and follow fees prescribed by law. The collection process is run by collection agencies that Mondu partners with.

Yes, the user will then be redirected to the checkout page, where they can choose other payment options that are available. The session will not be lost.

Mondu offers flexible payment solutions for buyers in two ways:

When shopping at merchants that offer Mondu at checkout:

Choosing one of Mondu’s flexible payment options (Net terms, Installments, Digital Trade Account, or Instant Pay) allows you to place your order first and pay later according to the chosen terms. This enables you to shop safely even from merchants you haven’t interacted with before, while enjoying flexible payment terms that preserve your working capital. With Mondu, you get the same seamless payment experience in B2B transactions as you have in your online purchases as a private consumer.

When paying suppliers directly with MonduFlex or MonduCard:

Even if your suppliers don’t offer Mondu at checkout, you can still optimize your cash flow with Mondu’s products for buyers:

• MonduFlex: Extend the due date of your suppliers’ invoices by up to 60 days. Mondu pays your suppliers faster (so they can offer you early payment discounts), while you enjoy extended payment terms and pay Mondu later—improving your days payable outstanding (DPO) and freeing up working capital.
• MonduCard: Use our business credit card with up to 45 days payment terms and universal Visa acceptance to pay any supplier, anywhere in the world. Designed for SMBs and freelancers, MonduCard gives you purchasing power and payment flexibility regardless of which payment terms your suppliers offer.

Both approaches help you reduce your cash conversion cycle and maintain healthier cash flow for your business.