---
title: Buy Now Pay Later B2B and E-Commerce in Europe
description: Opyn presenta all’E-commerce Berlin Expo la ricerca sul futuro dei pagamenti digitali e il Buy Now Pay Later B2B in Germania e in Europa.
---

** 27 February, 2025

** 5 min di lettura

** Scritto da: [**Redazione Opyn** ](https://www.opyn.eu/en/news/author/redazione-opyn)

# Buy Now Pay Later B2B and E-Commerce in Europe

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Opyn presents a research on the future of digital payments and Buy Now Pay Later B2B in Germany and Europe at E-commerce Berlin Expo

Berlin, 19 February 2025 - Opyn, the European platform for enabling **B2B Buy Now Pay Later (BNPL)**, presents, at the **E-commerce Berlin Expo 2025**, the results of a research conducted with **Ipsos**, one of the world's largest market research companies, on the future of digital payments between businesses with a specific focus on BNPL. This payment solution, already well established in the consumer sector, is rapidly emerging as a catalyst for the growth of B2B e-commerce.

**The B2B BNPL: a growth opportunity for European e-commerce**

**According to the study conducted for Opyn by Ipsos** - on more than 1,000 companies in Europe, with different sizes and geographical locations and a turnover of more than EUR 500,000 - **awareness of BNPL is growing strongly in Europe**. In fact, the research reveals that 80% of companies say they are familiar with this solution and almost 98% believe that BNPL represents the future of digital payments. Germany and the UK rank among the most mature markets, with 25% of companies already using BNPL, compared to a European average of 20%.

The B2B BNPL market will grow at double-digit rates in the coming years, accounting for 15-20% of B2B transactions by 2030, with an estimated value of between EUR 25 and 30 trillion. This trend reflects a paradigm shift in the way companies manage cash and face the challenges of deferred payments.

**Payment habits and differences between Germany and other European countries**

In Europe, 50% of the companies surveyed already use 30-60-90 day payments as the prevalent mode of payment. However, there are significant differences between countries. Germany, for example, stands out for its greater trust in the banking system: 28% of companies regularly use external financing, compared to 17% of Italian companies. In the United Kingdom and Spain, on the other hand, there is a higher propensity to use innovative digital tools.

In Germany, 49% of companies use only digital channels for their transactions, while in Italy only 29% of companies do so. This represents an opportunity to promote solutions such as BNPL, which can simplify and optimise online payment processes. On the other hand, in Germany, 70% of companies that do not use Buy Now Pay Later systems say they are interested in adopting them for their purchases with suppliers.

**The key role of BNPL in B2B e-commerce**

BNPL is not just a financial instrument, but a strategic lever for B2B e-commerce. Key benefits for corporate buyers include:

- **Liquidity optimisation**: It allows companies to purchase goods and services by flexibly deferring payments.
- **Simplification of international transactions**: Thanks to standardised credit terms and reduced currency barriers.
- **Increased average order value**: Companies can better manage large purchases thanks to instalment payments.

According to the most recent surveys, B2B BNPL transaction volumes in Germany were five times higher than in B2C, with a value of USD 467 billion. This figure underlines the potential of BNPL as an accelerator of digital adoption in B2B commerce (Arthur D. Little, 2024).

**The B2B BNPL in Europe**

Opyn was the first Italian company to introduce BNPL in the B2B segment in Europe, with the **Opyn Pay Later** platform, designed to meet the specific needs of merchants and buyers. Opyn's technology allows companies to grant online, in-store and remote instalment payments to their business customers, offering flexibility, security and customisation.

*‘In the corporate world, BNPL is declined in a different way than in the retail segment,’ ***points out Antonio Lafiosca, COO and Co-founder of Opyn***. ‘Even if the terminology is the same, it is a product that adopts very different technologies, designed to replace an often fragmented and diversified payments system. A platform offering this service must be able to perform an in-depth analysis of a company's repayment capacity, taking into account a number of complex and articulated variables. There is no standard product: it requires a longer timeframe and an in-depth assessment of a company's reliability and solvency. With this in mind, BNPL is redefining the paradigms of B2B credit, making the system more accessible and efficient. Our participation in the E-commerce Berlin Expo is an opportunity to share these concepts with leading German and European e-commerce players and to promote a digitisation culture that accelerates business processes and ultimately the competitiveness of the European economy.’*

 TAGS:

[ OpynPayLater ](https://www.opyn.eu/news?tagfilter=OpynPayLater) [ Buy now pay later ](https://www.opyn.eu/news?tagfilter=Buy%20now%20pay%20later)

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