Best Flexible Payment Solutions for B2B SaaS Providers

May 23, 2023 · by Alisher Akbarov
Best Flexible Payment Solutions for B2B SaaS Providers

B2B SaaS providers are constantly looking for new and innovative ways to grow their businesses. Recently, their attention has turned to implementing Buy Now Pay Later (BNPL) options to attract more customers. In this article, we will explore some of the best flexible payment solutions available to B2B SaaS providers. We will also provide tips on how to select a payment solution and what benefits BNPL has for your SaaS business.

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Benefits of Implementing Flexible Payment Solutions

Buy Now Pay Later model allows your customers to purchase products or services and pay for them in installments over time, rather than paying the full amount upfront. This payment option has many benefits for SaaS businesses, including but not limited to the following:

Higher conversions 

BNPL solutions help you as a B2B SaaS provider increase conversion rate by reducing the upfront cost of your software. This is particularly effective for your prospects which are smaller businesses or startups. They are usually more hesitant to make a large upfront payment. By offering a BNPL option, you make your annual plans more accessible to a wider range of potential customers.

Increased customer loyalty

Offering a BNPL option also helps your SaaS company build customer loyalty. When businesses are able to make purchases from you on credit and pay over time, they may be more likely to continue doing business with you in the future. This leads to higher customer lifetime value and increased revenue over time.

Happy customers

BNPL helps your customers manage cash flow more effectively by paying in installments over time. Like that they can predict their future revenue and manage investments more effectively. By offering a BNPL option, you receive the whole sum upfront from your BNPL provider minus their fee, while your customers enjoy deferred payments.  

Competitive advantage

Providing a BNPL option gives you a competitive edge. By offering a payment option that your competitors may not offer, you differentiate yourself in the market and potentially win new customers.

Reduced risk

In comparison to providing other customer financing methods, BNPL reduces the risk of non-payment or late payment. By partnering with a reputable BNPL provider, you can offload the risk associated with providing credit to customers, because your BNPL provider bears the risks.

Upfront cash for the whole year

Partnering with a BNPL provider can be an effective way for your SaaS business to receive upfront cash for the year. The BNPL provider pays you the whole sum excluding their fees within several hours or days after the customer bought your annual subscription. The provider receives money form customers in installments over a period of time. 

How to Choose a BNPL Solution 

When choosing a flexible payment solution, it’s important to consider several key factors to ensure that you select the right option for your business. Here are some of the most important factors to consider:

  • Cost – compare the cost of each option and consider how they will impact your bottom line.
  • Customer experience – the option you choose should provide seamless customer experience and customer support.
  • Integration – check which BNPL solutions can integrate into your current sales processes.
  • Eligibility requirements – how strict they are for both the vendor and customers, and if they align with your business goals and customer base.
  • Reputation – ensure that your partner is a reputable provider that has a track record of success and positive customer feedback.

To learn how to choose the right billing software read our article here.

Best Flexible Payment Solutions for B2B SaaS Providers

Here is our list of the BNPL companies described by the factors mentioned above.


Cost: Comfi has no platform or service fees. They charge 7-11% when you make a sale through their service. Comfi aims to provide affordable pricing and has no hidden fees.

Customer experience: Comfi provides a seamless checkout experience for customers, with easy and fast approval processes. The repayment can be made over 12 months. 


1. No-code dashboard to generate payment links. 

2. API checkout. The integration is seamless, and businesses can get started with Comfi quickly.

Eligibility requirements: Comfi requires businesses to have a minimum of $20,000 in monthly revenue and at least 6 months in business. 

Reputation: Comfi is a newer player in the BNPL industry but has received positive feedback from customers. The company is expanding rapidly.

Screenshot of Comfi website page


Cost: Vartana’s rates start at 4,5% for contracts with a length of 12 months and increase to 25% for contracts with a length of 60 months. 

Customer experience: Vartana ensures a hassle-free checkout experience for customers, offering swift and straightforward approval processes. The contract length is 12-60 months. 

Integration:  Integrates into checkout and within a sales reps’ existing tech stack.

Eligibility requirements: N/A

Reputation: Received positive feedback from customers. Raised $12 million in a Series A round from investors.

Screenshot of Vatrana website page


Cost: No hidden fees or security interest. The fee ‍starts at 5% and goes as high as 15% depending on the nature of your business.

Customer experience: Capchase provides a user-friendly platform that makes it easy for businesses to access funding quickly. The repayment terms are flexible and customized to the business’s needs. Capchase also offers dedicated account managers to provide support throughout the funding process. 

Integration: Capchase supports integrations with all major banking, accounting, and subscription management platforms. Such as Stripe, Recurly, Dynamics 365, Freshbooks, Quickbooks, Chargebee, Chargify, Zuora, Xero, Zoho Books, Codat, Profitwell, KashFlow, Netsuite, and more.

Eligibility requirements: Capchase requires businesses to have at least $250,000 in annual recurring revenue (ARR), more than 3 months of runway and a minimum of 6 months of revenue history available. 

Reputation: Capchase has received positive feedback from customers and has a strong reputation in the industry. The company has helped many businesses access funding to fuel their growth.

Screenshot of Flexible Payment provider Capchase website page


Cost: Tranch charges a fee for its services, but the exact cost depends on the business’s revenue and repayment terms. For example, they charge 12,5% if 12-month installment is selected.

Customer experience: Tranch provides a user-friendly platform that makes it easy for customers to apply for financing and complete purchases. The repayment is 3-12 months.

Integration: N/A

Eligibility requirements: Tranch works for companies of all shapes and sizes, from early stage startups to large companies and everything in between.

Reputation: Received positive feedback from customers and investors. The company joined Y Combinator in summer 2022. 

Screenshot of Tranch website page


Cost: Ratiotech charges a fee for its services, but the exact cost depends on repayment terms. 

Customer experience: Ratiotech provides a good checkout experience for customers. The repayment terms are customizable and can be spread over several months. 

Integration: Ratiotech integrates with popular accounting, banking and payments platforms. Such as Freshbook, Xero, Sage, Plaid, Recurly, Stripe, Chargebee, Chargify, and others.

Eligibility requirements: Ratiotech requires businesses to have a minimum of $100,000 in annual revenue. 

Reputation: Ratiotech has received positive feedback from customers and investors. It has raised $11 million in venture funding and a $400 million credit facility.

Screenshot of Flexible Payment provider Ratio website page

More information about these companies is available in our article here

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Amal Abdullaev

Co-founder at Comfi

Make Your Choice

Choosing a flexible payment solution can be frustrating, but it definitely pays off. By offering a BNPL option, B2B SaaS providers can make their software more accessible and attractive to potential customers while also managing their financial risk more effectively. We hope our article helps you choose the provider that suits your B2B SaaS business most.

Book a call with our co-founder Amal to learn how Comfi can help your business grow.

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Alisher Akbarov

Alisher Akbarov

Co-founder, COO

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