Balance

Payments

B2B checkout with embedded net terms, BNPL, and AI-powered credit for merchants and marketplaces.

Overview

Balance is a US/Israel-based B2B payments and net terms platform, founded in 2020 by Bar Geron and Yoni Shuster. Balance provides a full B2B checkout experience: net terms financing, ACH, wire, card payments, and embedded AI-powered credit decisioning. Merchants integrate Balance once and offer their business buyers multiple payment methods and financing options. Balance assumes all buyer credit risk on the net terms / BNPL product. Balance raised a $56M Series B in July 2022 led by Forerunner Ventures with participation from Salesforce Ventures, HubSpot Ventures, and Lyra Ventures; Stripe invested at Seed and Series A. Total equity raised is approximately $87M, with an additional $350M Viola Credit debt facility (November 2022) backing the net terms product. The Series B valued Balance at approximately $356M. The platform integrates with Shopify, BigCommerce, Magento, Salesforce Commerce Cloud, Mirakl, Nautical Commerce, and Shopware. Notable customers include Instacart Business, Alibaba.com, B-Stock, ChemDirect, and Bay Fastening Systems. Balance is PCI DSS Level 1 compliant (card processing via Stripe). The product is US-primary, with Canada and EU net terms enabled via a Hokodo partnership, and supports 20+ currencies at checkout. Pricing is opaque — contact-sales only. Note that Hokodo, the EU partner, ceased operations in late 2025; Balance's EU coverage may now be supported by a different partner.

Key features

• B2B checkout: net terms, ACH, wire, card
• AI-powered credit decisioning
• Mirakl + Nautical marketplace integrations
• $350M Viola Credit debt facility
• 20+ currencies at checkout
• Stripe investor + card processing partner