Shopware and Balance Partner to Enable Flexible B2B Payments for Shopware Merchants in North America

NEW YORK--(BUSINESS WIRE)--Shopware, the leading global open-source ecommerce platform, and Balance, the leading AI-powered financial infrastructure for B2B commerce, today announced a strategic partnership to bring advanced B2B payment options to merchants in the Shopware ecosystem.

Through this partnership, Shopware merchants can integrate Balance directly into checkout and buyer portals to offer and manage their pay-by-invoice and B2B BNPL programs online, without building internal credit, billing, or collections operations. Balance’s AI powered infrastructure automates the entire invoice-to-cash lifecycle from customer onboarding with built-in fraud detection, credit management and billing to collection and reconciliation, all while managing credit risk for approved buyers.

The partnership addresses one of the largest friction points in B2B ecommerce: payment at checkout. Industry benchmarks show that more than 70% of B2B carts are abandoned before purchase, often due to payment requirements that do not align with buyers’ cash flow cycles or procurement processes. Each abandoned transaction represents lost revenue and wasted acquisition spend.

By enabling flexible B2B payment options at the point of purchase, Shopware merchants can convert more high-intent buyers, reduce checkout drop-off, and improve customer acquisition efficiency, while giving business customers a purchasing experience aligned with how they operate.

Beyond initial conversion, embedded invoicing and trade credit also drive sustained account growth. Analysis of buyer spending patterns shows that 40% of business buyers increase their monthly spend after gaining access to trade credit, with 32% increasing spend by more than 50%. This reflects a structural shift in how buyers allocate budgets once financing constraints are removed.

“B2B commerce requires infrastructure that supports how businesses actually buy,” said Jason Nyhus, President of North America at Shopware. “By partnering with Balance, we’re giving merchants a practical way to offer invoicing and net terms online, reduce checkout friction, and convert more of the demand they’re already generating.”

“Merchants invest heavily to acquire business buyers, but too often lose them at checkout,” said Sean Last, Director of Partnerships at Balance. “Our integration with Shopware helps convert that demand into revenue and then expands it over time. Merchants can launch credit-backed invoicing quickly, protect their cash flow, and grow wallet share without adding operational burden.”

For more information, visit www.shopware.com and www.getbalance.com.

About Balance:

Balance is an AI-powered B2B financial infrastructure that helps businesses grow revenue, get paid faster, and run AR autonomously.

Finance teams use Balance to reduce DSO and boost operational efficiency with advanced tools and AI agents for onboarding, credit, collections, and cash application.

Tech companies looking to offer net terms to their customers are using Balance’s API infrastructure to run Pay-by-Invoice programs with built-in payments and net terms financing at scale without building in-house AR teams or taking on credit risk.

Leading brands including Instacart, Alibaba.com, B-Stock, and FashionGo automate their order-to-cash lifecycle with Balance.