Fintecture, the bank transfer payment solution


Allianz Trade and Fintecture are developing a new digital and automated solution for guaranteed payment terms.

  • With this solution, B2B sellers can add a "pay later" option to the online payment or offer flexible payment terms to their customers.
  • Buyers can benefit from instant payment terms: the solution is based on real-time credit decisions by Allianz Trade and Fintecture's payment expertise.

Allianz Trade, the world's leading credit insurer, and Fintecture, a fast-growing fintech and pioneer in B2B payment solutions, have joined forces to develop a new Buy Now Pay Later (BNPL) solution. Buy Now Pay Later (BNPL) B2B solution for the French market. Thanks to this partnership, Allianz Trade and Fintecture are able to offer French B2B sellers a digital, automated solution for guaranteed payment terms, which can be used in all purchasing contexts, both online and offline. This solution enables B2B sellers to develop their sales by granting deferred payments to their customers, without exposing their cash flow to the risk of non-payment.

Secure B2B transactions in an uncertain economic environment.

B2B buyers need specific solutions for payment terms. Indeed, in B2B, the average shopping cart is higher than in B2C, which makes the approvals required to obtain a payment term more complex, and leads to a pronounced recourse to online cash payments. For B2B sellers, offering flexible payment terms is therefore essential to achieve high conversion and retention rates. 

However, when you talk about payment terms, you talk about the risk of non-payment. The risk of non-payment is a major threat to the financial health of companies: a payment incident can quickly jeopardize the cash flow of the vendor concerned. According to Allianz Trade, business failures are expected to increase by 40% in 2023 in France. They should thus exceed their pre-Covid level of +3%, and approach the threshold of 60,000 cases. The challenge for B2B sellers is therefore to offer payment terms to their buyers, without exposing their cash flow to the risk of non-payment.

Provide the most competitive B2B deferred payment solution.

Based on this observation, Allianz Trade and Fintecture have joined forces to develop a new BNPL B2B solution dedicated to the French market. This guaranteed payment terms solution will help sellers increase their competitiveness by allowing them to offer their customers deferred payments, without exposing their cash flow to the risk of non-payment. This solution combines Allianz Trade's more than 100 years of experience in credit insurance, its dynamic and forward-looking view of the financial health of more than 80 million companies worldwide, and Fintecture's expertise in payment technology, based on more than 400,000 payers and its proven track record with large corporations and e-commerce players.

In practical terms, B2B buyers can benefit from instant payment terms, as the solution is based on real-time credit decisions made by Allianz Trade. Allianz Trade's credit insurance is integrated into an automated, seamless payment path, providing instant confirmation of buyer eligibility for payment terms and simple scheduling of payment on the due date. In the event of a default, Fintecture orchestrates the dunning process, before handing over to Allianz Trade to manage the collection and indemnification.

"After participating in their recent fundraising, the launch of this new BNPL B2B solution is another step in our partnership with Fintecture. By combining the best of our two organizations, we are confident that we can help many businesses grow their online and offline sales through the provision of deferred payments, all without exposing their cash flow to the risk of non-payment. KYC and instant risk analysis are major challenges for e-commerce, and we are very pleased to help the ecosystem overcome these barriers with our credit risk expertise and unique database," said Mickael de Sa, CDO. explains Mickael de Sa, CDO of Allianz Trade in France.

A seamless payment experience, regardless of the sales channel.

This new solution is available in all purchasing contexts, both online and offline. Specifically, sellers can add a "pay later" option during online payment, or offer flexible payment terms to their B2B customers by sending them a payment link via email, or by providing them with a QR code to scan in-store. The buyer accesses a digital payment terminal via this link, and can benefit from instant payment delay.

This not only allows the vendor to offer a payment term at no extra cost to its customers, but also to benefit from an affordable solution that is less expensive than models that include financing, as is often the case with BNPL.

"The seller delegates his outstanding amounts to us via a mechanism that secures his working capital and weighs less on his gross margin. In addition, our knowledge of the payers allows us to adapt the process and activate the relevant anti-fraud controls. comments Faysal Oudmine, CEO of Fintecture. "Beyond this technicality, our customers are looking for simplicity of use. We are able to translate our proven experience with e-commerce players into a seamless payment solution, regardless of the sales channel, which is essential to address all of our customers' B2B opportunities and order-to-cash challenges."

Press contact

Allianz Trade contact

Maxime Demory
+33 1 84 11 35 43

Fintecture contact

Sophie Marot-Rémy
+33 7 68 64 44 85

About Allianz Trade

We predict trade and credit risk today, so companies can have confidence in tomorrow. Allianz Trade is the global leader in trade credit insurance and a recognized specialist in the areas of surety, collections, structured trade credit and political risk. Our proprietary intelligence network analyses daily changes in +80 million corporates solvency. We give companies the confidence to trade by securing their payments. We compensate your company in the event of a bad debt, but more importantly, we help you avoid bad debt in the first place. Whenever we provide trade credit insurance or other finance solutions, our priority is predictive protection. But, when the unexpected arrives, our AA credit rating means we have the resources, backed by Allianz to provide compensation to maintain your business. Headquartered in Paris, Allianz Trade is present in 52 countries with 5,500 employees. In 2021, our consolidated turnover was € 2.9 billion and insured global business transactions represented € 931 billion in exposure. For more information, please visit

About Fintecture

Launched in March 2020, Fintecture is spearheading the B2B transaction revolution. Currently operational in over 10 countries, Fintecture already enables more than 7,000 businesses to collect payments from 400,000 payers in France, Spain, and soon Italy, UK and Germany. Fintecture's payment methods, built from first principles for B2B transactions, integrate seamlessly to all sales channels enabling merchants to save time, save costs and increase sales. Only two years after its launch, Fintecture partners with category leaders including Edenred, Auchan, the largest telecom operator in Europe, and a logistics & shipping global leader. Fintecture recently closed a 26M € Series A funding round.

Overview of BtoB payment solutions

In this guide, Fintecture offers you an overview of BtoB payment solutions (cash and due date) and highlights various payment trends.

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