What we do

Buy Now, Pay Later built for B2B merchants and marketplaces.

Helping you to deliver the frictionless buying experience expected by a new generation of business customers.

The challenge today

Small and medium sized enterprises (SMEs) need trade credit in order to pay for their business purchases, but such facilities are often only available offline and have abysmal acceptance rates. Customers must print and post hand-written forms, then wait days for approval only to find out they might not be eligible.

Meanwhile, B2B marketplaces and e-commerce platforms are left juggling several outdated solutions. They often end up granting payment terms off their own balance sheet in order to satisfy buyers’ expectation for a seamless payment experience and access to credit terms online.

How Hokodo can help

Hokodo's services

An end-to-end B2B Buy Now, Pay Later solution

Hokodo’s B2B Buy Now, Pay Later solution provides your customers with a B2C-like checkout experience and the option to defer payment when purchasing for their businesses online.

Credit management

  • Soft credit checks are performed on your customers, which don’t impact their credit score.
  • Hokodo’s credit scoring is used to recommend tailored credit limits and payment terms for your customers.
A padlock and bank cards on a keyboard
 woman holding bank card in her hand and using laptop while making online payment at home


  • Customers get the option to pay later for their business purchases, while merchants get paid up front, improving cash flow for all parties involved.
  • Giving customers better payment terms results in better conversion rate, higher average order value and increased loyalty for you.


  • Your team is no longer burdened with time-consuming reconciliations and collections processes.
  • The commercial relationships you have with your customers are prioritised throughout the collections process.
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Risk bearing

  • Backing from Lloyd’s of London protects you against risks including nonpayment, clawbacks and insolvency of customers.
  • Fraud risks – including account takeover and ID theft – are mitigated by our proprietary underwriting engine.


  • Hokodo’s B2B BNPL solution can be integrated into your checkout without disrupting your existing customer flow.
  • E-commerce platform extensions and custom API integrations are available to facilitate quick and easy onboarding.
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Online shopping


  • Customers are empowered to pay in 30, 60 or 90 days, or opt to settle immediately with our ‘pay now’ function.
  • A variety of payment methods including direct debit, credit card, bank transfer and open invoice can be accepted.

Want to learn more ?

Discover the features and benefits of Hokodo's B2B Buy Now, Pay Later solution.

Download the brochure today:

How it works


Your customers shop as normal.

They don’t need to sign up in order to access our B2B Buy Now Pay Later solution.

Shopping card checkout

In the background, Hokodo’s APIs run credit and fraud risk checks on the customer.

Our eligibility assessments take less than half a second. The only information we need is the business name and address of your customer or alternatively, their company registration number.

Online form asking for company information

We recommend suitable credit limits and payment terms.

At the checkout, your customer sees only the payment terms for which they’ve been approved.

Different options for online payment methods

Your customer chooses to Buy Now, Pay Later with Hokodo.

They may have the option to delay payment by 14, 30, 60 or 90 days.

Payment plan

Your customer gets more time to pay. You get paid upfront.

Once the goods have been delivered or the service provided, we pay you in full. Your customer pays us back in line with their payment terms.

Tracking of an order

We take care of risk and collections.

Hokodo’s solutions are backed by Lloyd’s of London, so you can trade in the knowledge that you’re protected from all credit and fraud risk. If a customer defaults on their payment, we’ll handle it.

Payment reminder

Quick & easy implementation

Our APIs and e-commerce CMS plug-ins make integrating Hokodo’s B2B Buy Now, Pay Later solution quick and easy. You could be onboarded and trading within a couple of days.

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Want to see it in action?

Learn how Hokodo helps you to sell more and scale your business.