Pay Now and Pay Later options for all your buyers

Looking to streamline all payments and unclutter your checkout? You’ve come to the right place. Offer payment terms and upfront settlement in one integration with Hokodo.

DOWNLOAD BROCHURE
Animated GIF demonstrating the checkout process for Hokodo’s Pay Now & Pay Later solution. Shows order review, selecting payment options, confirming order, processing checkout, and thank you message.

Drive loyalty and boost conversions with a unified payments experience for all buyers

Instant, flexible payment terms and an upfront payment option for those who need it. What more could you ask for?

40
%
increase in conversion rate
30
%
increase in average order value
24
%
more purchases per month

“I don’t need payment terms this time!”
“My business wants to pay upfront for smaller orders!”

Believe it or not, some B2B buyers want to settle immediately. Empower them to pay at the time that’s best for them and they’ll come back again and again (and again).
Florist small business owner placing an order for stock on her laptop.

Creating value at the checkout

Notifications showing B2B merchants they have more customers and increased revenue.
Graph showing customer transactions increasing over time.
Graphic showing the different payment terms available to a B2B buyer.
Notifications for B2B merchants showing reasons for rejected orders.

All payments, one provider

Minimise admin and integrations for your payment needs.

Enhanced user experience

A simplified customer journey increases conversions at checkout.

Boost customer credit

Pay Now payments count towards buyers’ credit profiles.

Healthier cash flow

Get paid upfront and in full upon delivery of the order.

Expand internationally

Enter new markets with one provider for all payments across Europe.

Streamlined reconciliation

With a single statement of account covering Pay Later and Pay Now.
Order summary showing recent orders and which payment schedule they are on: pay now, trade accounts, 30 days or instalments.
Graphic showing the payment terms available to a B2B buyer. ‘Payment Now’ is selected.
A buyer's credit limit is displayed
An online portal displaying settled b2b transactions
An online portal showing transactions in different currencies
Tabs showing payments received from pay now and pay later transactions

Grow faster

Attract new customers and boost order frequency.
Notifications showing B2B merchants they have more customers and increased revenue.

Improve loyalty

Instant credit decision make buyers return for more.
Graph showing customer transactions increasing over time.

Flexible financing

30, 60 or 90 days not right? Try 14, 45 or something else entirely.
Graphic showing the different payment terms available to a B2B buyer.

Healthier cash flow

Get paid upfront and in full upon delivery of the order.

Expand internationally

Enter new markets with one provider.

Risk protection

We protect you against all credit and fraud risks.
Notifications for B2B merchants showing reasons for rejected orders.

How it works

step 1
A buyer makes a purchase, places an order or creates a booking as normal.
B2B e-commerce checkout page showing basket with items ready for checkout.
step 2
Hokodo runs credit and fraud checks on the buyer in under 1 second.
Online checkout interface with a 'Find your company' dropdown menu displaying a list of businesses for the customer to choose from.
step 3
The buyer is offered tailored payment terms and the option to pay upfront with Hokodo.
B2B e-commerce checkout page showing a range of payment terms options including ‘Pay later’ and ‘Pay now’.
step 4
The buyer chooses their preferred payment plan and settlement method.
B2B e-commerce checkout page showing the different settlement methods available to a buyer: direct debit and card.
step 5
You get paid upfront and in full. We take responsibility for risk and collect payment on the due date.
Table showing a B2B merchant the settlement status of their recent orders.

We take care of everything...

So you can focus on product development, customer acquisition or whatever else matters the most to your business.

Credit scoring

Give your buyers the credit they deserve thanks to cutting-edge underwriting. Display credit limits throughout the checkout journey to maximise take-up.

Fraud detection

Sophisticated automations and expert fraud analysts keep you safe.

Statement of account

Streamline reconciliations with a single statement of account covering all transactions.

Financing

Your buyers choose to pay now or pay later, while you get paid upfront and in full. Everyone wins.

Payment processing

Relevant settlement methods empower your buyers to pay on their terms.

Collections

Handled with care and professionalism to preserve your commercial relationships.

Don't just take our word for it...

Cardboard boxes on shelves in warehouse

"We had previously tried to offer payment terms on our own, but since the process was so manual, lengthy and complex, instant credit decisions at the point of purchase were out of the question. Being able to give buyers the immediate decision and seamless experience they expect is a game changer for Achatmat."

Frédéric Guillotin
CEO, Achatmat
Crane viewed from below

"Hokodo is a massive part of our proposition in being able to ensure suppliers receive payments on time and build trust on the platform. YardLink is on a big growth trajectory and we see Hokodo as not just ready for us right now, but that it will continue to work for us as we move forward.”

Hollie Russell
Marketing Director at Yardlink
Handmade pottery bowls of various colours

"A great User Experience and great payment terms and flexibility are the two main benefits our customers are looking for, and thanks to Hokodo we are able to offer them that…They have helped us to grow a base of extremely loyal customers all across Europe thanks to payment terms."

Pierre-Luc Joffre
CFO at Ankorstore
Coffee cups surrounded by plants

“I see three key advantages of Hokodo. First, the human side. Our French customer service and support team is efficient and pleasant. Secondly, implementing  trade credit is a significant time saver for our accounting teams. Thirdly, as IT project manager at Monin, always looking for the next breakthrough that will facilitate processes between all our business lines, I am very keen to see the evolutionary capabilities of the Hokodo solution, which will grow alongside us.”

Maxime Catoire
IT Project Manager, Monin

Get started

Are you ready for a unified, simplified payment experience?

Frequently Asked Questions

What is Pay Now?
What are the fees?
How long does it take to get set up?
What are credit terms?
What’s the ROI of payment terms?