Do deferred payments make sense in B2B e-commerce?
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Do deferred payments make sense in B2B e-commerce?

Author  Natalia Wiszewska

Estimated reading time: up to 4 minutes

Digital transformation encompasses all areas of commerce. E-commerce not only enables businesses to conduct sales online but also offers many innovative solutions to streamline business processes.

One such solution is deferred payments, which are gaining increasing popularity in the B2B e-commerce sector. But do they really make sense in this context? Is this solution exclusively for B2C customers? Read on to find out.

Table of contents

What are deferred payments?

Deferred payments are a payment method where the customer can place an order and pay for it at a later date. This means that the payment is not made immediately after placing the order but is postponed to a specific future date. This temporary credit gives customers financial flexibility and freedom, while also helping businesses increase their revenue.

Deferred payments are becoming increasingly popular in today’s e-commerce world, where competition is fierce, and acquiring and retaining customers requires innovative approaches. In fact, 69% of Poles will abandon online purchases if a store does not offer a Buy Now, Pay Later (BNPL) solution.

Through this strategy, both online stores and suppliers can attract customers who wish to make a purchase but may not have the cash available at the time of ordering. It is also an excellent solution for seasonal businesses looking to encourage purchases even after the season has ended.

Deferred payments in Poland

What benefits await suppliers in e-commerce?

For online suppliers, introducing deferred payments can bring many benefits. Firstly, it enables an increase in sales as customers can make purchases even when they do not have sufficient funds. According to the Paypo report ‘Deferred Payments in Poland 2023, 42% of companies noticed an increase in the value of the shopping cart after implementing deferred payments. Consequently, the business has a greater chance of attracting new customers and increasing the loyalty of existing ones.

Introducing flexible payment terms will enhance your customers’ trust in your brand. Customers will feel more comfortable knowing they can pay for their purchases at a convenient time, which increases the likelihood of repeat purchases.

BNPL companies in Poland

In addition, deferred payments can be an excellent tool to encourage customers to purchase higher-value products. With the option to spread payment over instalments, customers can more easily opt for more expensive purchases, which translates into higher turnover for the online supplier.

How do I implement deferred payments?

Implementing deferred payments in B2B e-commerce doesn’t have to be difficult. First and foremost, you need to set up an appropriate payment processing system that allows for managing deferred payments and monitoring their status. The most popular solutions are PayPo or Klarna.

Additionally, ensure you communicate this new service effectively. Inform your customers about the deferred payment option and encourage them to use it. You can do this through your social media channels or on your website.

Once you choose a specific company to handle your payments, simply get in touch with them via their website. You don’t have to worry about customers not paying for their orders on time.

With fintechs such as PayPo, it is the company that pays for the order for the customer at the time of purchase. The consumer is then obliged to pay. You, as the supplier, are guaranteed to receive payment for the order on time, regardless of whether the customer delays payment.

Deferred payments: A one-time hit or a lasting change in e-commerce?

The future of deferred payments in B2B e-commerce looks promising. More and more businesses are choosing to implement this solution to meet growing customer expectations and improve financial performance.

This approach allows customers to better manage their cash flow by spreading payments over a longer period. This, in turn, can positively impact relationships with suppliers and enable companies to invest in their growth with greater confidence.

In addition, the growing popularity of deferred payments in B2B e-commerce could influence a shift in market standards. Companies that do not adapt to this trend may lose their competitive edge and be pushed to the margins of the market. Therefore, more and more businesses are investing in systems that enable deferred payments to meet customer expectations and remain successful in the market


Deferred payments are becoming increasingly popular in B2B e-commerce. Both suppliers and online sellers benefit significantly from implementing this solution.

Deferred payments provide financial flexibility to customers and help businesses increase sales and manage cash flow effectively.

Despite some challenges, the future of deferred payments appears promising, with available market services like Paypo and Klarna facilitating the adoption of this solution.


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