Overview

Yumi provides an SDK and API that enables B2B Buy Now, Pay Later via Net-30 invoice terms directly inside checkout or invoicing flows.

Suppliers get paid immediately, while buyers can pay 30 days later, with an option to split the payment on day 15, with Yumi handling credit decisions, collections, and repayment operations end-to-end.

Why Yumi’s B2B BNPL?

Improve Conversion & Order Size

Offering Net-30 payment terms removes buyer cash-flow friction, helping suppliers close deals faster and increase average order values — especially with new or cross-border buyers.

Get Paid Instantly, Eliminate Risk

Suppliers receive full settlement upfront while Yumi assumes default risk and collections. No accounts receivables overhead, no bad debt exposure.

Predictable, Transparent Pricing

Yumi charges a 2-5% fee on the invoice amount, paid by the supplier only when BNPL is used.

How It Works

• Net-30 Terms

  Buyers pay the invoice 30 days after purchase.

• Controlled Exposure

  Yumi applies per-buyer and per-transaction limits, starting conservatively for new buyers and increasing limits as repayment history is established.

• SME-Focused Transactions

  Currently supports SME-sized invoices, typically ranging from a few hundred to a few thousand USD/EUR.

• Collections & Reminders Included

  If a buyer fails to pay on time, Yumi manages reminders, follow-ups, and collections, and may negotiate short extensions with the buyer.

Key Features

• Drop-in BNPL Option

  Net-30 appears seamlessly alongside existing payment methods.

• Minimal integration Most teams get started using our API & SDK in under a week of development work

• Instant Settlement

  Suppliers receive funds upfront, independent of buyer repayment timing.

• Built-in Credit Controls

  Dynamic limits per buyer and transaction to manage risk.

• Live Dashboard

  Monitor GMV, outstanding invoices, repayment status, and buyer performance in real time.

• No Operational Burden

  Yumi handles underwriting, credit decisions, servicing, dunning, and collections — suppliers simply sell.