Copenhagen (EBAday), 17 June 2026 – MyBank, the pan‑European scheme‑based pay‑by‑bank solution that enables people, companies and public authorities to send and collect online payments directly from their bank account with immediate confirmation, today announces the upcoming launch of MyBank BNPL B2B, a new Buy Now, Pay Later (BNPL) feature for business‑to‑business payments. The solution will allow business buyers to purchase goods and services immediately and pay at a deferred due date, while suppliers will receive the full purchase amount once delivery is confirmed.
MyBank BNPL B2B will be offered by MyBank in collaboration with Digiteal, the European fintech helping businesses embed payment, invoicing and Open Banking capabilities through API-based solutions built on European standards, andTermsTech, AREA42’s deferred payment terms solution helping European business customers improve cash flow and grow sales. The feature will combine MyBank’s trusted pay‑by‑bank solution with TermsTech’s short‑term financing and credit‑assessment capabilities, to bring a fully digital BNPL experience to B2B payments.
With MyBank BNPL B2B, business buyers will benefit from flexible deferred payment terms of up to 120 days. Suppliers will get paid in full upon proof of delivery or invoice and once the buyer has confirmed receipt, while TermsTech will manage the financing and repayment process.
“With BNPL B2B we will be adding a Buy Now, Pay Later layer to the MyBank solution to further extend the value proposition for business customers” said Tarik Zerkti, CEO of MyBank. “Suppliers that use MyBank will be able to offer more flexible payment terms without taking on additional cost, while business buyers will gain a simple, transparent way to manage their cash flow within a familiar payment experience.”
The feature will be fully integrated into the existing MyBank online payment flow. Merchants that already accept MyBank on their e‑commerce sites or via payment links will be able to offer the MyBank BNPL B2B feature without additional technical integration or changes to their checkout.
“Preta and AREA42 are two long-term partners of Digiteal. Through these strong partnerships, we have co-developed innovative new products, including the expansion of MyBank’s coverage and the delivery of new B2B BNPL solutions”, said Cédric Nève, CEO of Digiteal. “We are enthusiastic about this impending new combined offering, which will build on the reach of the MyBank network and AREA42’s financing capabilities. MyBank BNPL B2B is yet another example that combining expertise will enable all three of us to deliver great products.”
Business buyers will not need to hold an account with a MyBank participant bank or PSP to use MyBank BNPL B2B, which will extend the feature’s availability to all interested B2B companies and broaden commercial opportunities for suppliers and their clients.
MyBank
MyBank(www.mybank.eu) is a pan-European, scheme-based pay-by-bank solution that enables individuals, companies and public authorities to make and receive payments online directly from their bank account via their usual online banking portal, with no additional registration or sharing of sensitive data with third parties.
Italy has been the leading market for MyBank adoption over the past decade. Since 2023, the solution has expanded to users in Belgium, Spain, Portugal, the Netherlands, France, Luxembourg, and Slovakia, and is progressively gaining ground across Europe.
MyBank is open to authorised payment service providers (PSPs) across the Single Euro Payments Area (SEPA), including credit and payment institutions. For PSPs wishing to offer MyBank to their customers, a streamlined and cost-effective integration model is available via the MyBank Gateway and a dedicated set of APIs.
With over 400 participating banks and PSPs and an annual TPV of €13 billion, MyBank streamlines collection processes with secure, irrevocable payments, full transparency and 100% reconciliation. On the acquiring side, it is supported by major PSPs such as PPRO, NEXI, Mollie, Paysafe, HiPay, MultiSafepay, Worldpay, Nuvei and Payplug, ensuring broad merchant coverage across Europe.
At checkout, users select MyBank, choose their bank and authorise a pre-filled SEPA credit transfer within their familiar online banking environment, with real-time confirmation for both payer and payee.
The solution is owned and managed by PRETA, a wholly owned subsidiary of EBA CLEARING, a provider of pan-European payment infrastructure solutions.
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TermsTech | AREA42
TermsTech (https://area42.tech/termstech-payment-terms-bnpl/) is the European deferred payment terms solution helping business customers improve cash flow and grow sales.
TermsTech provides payment terms via pure Buy Now, Pay Later services for any business need. From one-click checkout to custom solutions for complex B2B platforms. TermsTech funds smaller recurring transactions and larger purchases up to €200k.By efficiently providing instant payment terms decisions, robust risk assessment, debt collection, white labelling, and online and offline solutions TermsTech meets today’s business demands.
Created by AREA42 (https://area42.tech). Backed by Credendo. Based in Belgium. Covering the EEA and Switzerland. TermsTech is the go-to choice for European businesses looking for an easy-to-integrate, customer-friendly payment terms solution.
AREA42 is Credendo’s innovation vehicle, whose vision is to create a world where trade is frictionless by creating financial solutions that make trade fluid and risk-savvy.
Follow AREA42 and TermsTech on LinkedIn.
Digiteal
Founded in 2015, Digiteal (www.digiteal.eu) provides developers and businesses with reliable, API-based financial solutions built on European standards.
From Peppol e-invoicing to Payments and Open Banking, Digiteal enables software editors, system integrators, and enterprises to embed compliant financial capabilities directly into their platforms, reducing integration complexity, lowering costs and accelerating time-to-market.
As a licensed payment institution supervised by the National Bank of Belgium, ISO 27001 certified and part of the Norwegian Aera Payment & Identification group, Digiteal serves organizations across Europe with a strong focus on interoperability, security and regulatory alignment.
