Balance
4.8
Paid Users praise the seamless checkout experience and the significant reduction in manual accounting labor. Developers appreciate the robust API documentation.
The first B2B checkout with integrated net terms and instant payouts.
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Refined 3/4/2026
About Balance
Balance (often referred to as Open Balance in technical integration contexts) is a sophisticated B2B payment infrastructure designed to modernize traditional trade finance. By 2026, it has solidified its position as the leading API-first platform for B2B marketplaces and wholesalers looking to digitize complex offline transactions. The architecture centers on a proprietary underwriting engine that evaluates credit risk in real-time, allowing merchants to offer Net-30, 60, or 90-day terms instantly at checkout while the merchant receives payment immediately. Technically, the platform functions as a sophisticated ledger and orchestration layer, managing the lifecycle of a B2B transaction from invoice generation to multi-vendor payout. It integrates deeply with ERP systems like NetSuite and SAP, bridging the gap between modern e-commerce front-ends and legacy financial back-ends. Its market position is unique because it handles the actual movement of funds, credit risk, and collection processes, effectively serving as a 'Stripe for B2B' but with specialized focus on the nuances of high-ticket trade credit and complex reconciliation requirements.
Core Capabilities
Balance (often referred to as Open Balance in technical integration contexts) is a sophisticated B2B payment infrastructure designed to modernize traditional trade finance.