Billie
Billie is a European (EEA-based) fintech-infrastructure provider (Lending module). Verified at source - licence, regulator and registry reference. Active
Who it's for
Billie is built for products adding credit - financing, instalments or BNPL. It operates with a full banking licence - deposit-guaranteed accounts and credit products are on the table.
Sovereignty profile
- Data residency (EEA): Yes - hosted in the EEA - GDPR / CLOUD Act safe
- Company origin: EU core (Germany)
What Billie does
Verified licence profile
Billie (Berlin, Germany) - B2B BNPL: embedded payment terms for B2B marketplaces (Metro, Mercateo). NB: 2025 BaFin guidance requires B2B BNPL to hold a KWG credit-institution licence or partner with a licensed bank.
Verified 2026-06-26. How we verify → · Spotted something out of date? Report a correction. · Are you Billie? Work with us →
Official register entries
- Payment institution (PI) - Federal Financial Supervisory Authority · Ref 148483 · Active (EBA PSD2 register, as of 2026-07-18)
Register-sourced. See the full European Fintech Index. Registers have no legal significance - always confirm current status with the home regulator.
Similar verified European providers
Aion Bank (Belgium) - digital bank and BaaS across the EU (embedded accounts, deposits, lending and payments, paired with Vodeno tech). ECB-licensed credit institution. Acquired by UniCredit (with Vodeno) for ~EUR 370m, completed Mar 2025.
Alma (Paris, France; founded 2018) - split-payment and BNPL. ACPR-licensed payment institution and financing company (no. 90786). EUR 2.5bn volume in 2025 (profitable), 23k merchants across 10 countries; partners with the CB scheme.
Banxware (Berlin, Germany) - embedded-lending orchestrator for B2B platforms (loans EUR 1k-250k), with licensing and compliance via bank partners (e.g. HypoVereinsbank/UniCredit).
Defacto (France) - B2B lending fintech offering standard credit loans; the first such fintech licensed by the ACPR (Feb 2024). 17k+ businesses across FR/DE/ES/NL/BE.
🏦 Local IBANs: LT GB
DiPocket (Lithuania; + UK) - card issuing and IBAN accounts; Visa & Mastercard Principal Member. EMI, Bank of Lithuania (EEA) + FCA (UK). SEPA + SWIFT, LT IBANs and UK Faster Payments.
finmid (Berlin, Germany) - B2B embedded lending handling underwriting, licensing and collections for platforms across 30+ EU countries.
FAQ
Is Billie European / EEA-based?
Yes. Billie hosts data in the EEA (GDPR / CLOUD Act safe); origin EU core, Germany.
What does Billie do?
Billie covers: Lending module. Verified at source by Fintechnologica.