Kriya Embedded PayLater and Invoice Finance

Kriya is a UK B2B finance provider offering buy-now-pay-later terms, invoice finance and working capital loans. The company is headquartered in London and, per its announcement of 21 October 2025, is now part of Allica Bank while keeping its own brand and leadership. The site gives conflicting launch years (2011 and 2012), so no founding year is recorded.

Suppliers add flexible payment terms for business buyers through Embedded PayLater, Offline Payments for orders outside the website, Buyer Authentication and Kriya on Stripe for Stripe checkout. Kriya Payments API and Onboarding API documentation is public. The company reports over GBP 4 billion of SME finance across 301,882 transactions.

• Embedded PayLater: flexible payment terms offered to business buyers at checkout.
• Offline Payments: orders and trade credit across B2B sales channels outside the website.
• Invoice Finance: suppliers draw funds against trade invoices.
• Buyer Authentication: verification of business buyers before credit is offered.
• Kriya on Stripe: payment terms added to Stripe checkout.
• Payments and Onboarding APIs: public API documentation for integration.

A Vietnamese B2B marketplace or wholesale platform could study the embedded trade credit model to offer deferred payment to retailer buyers. A manufacturer could study invoice finance to shorten receivable cycles from distributors.

Sellers offer trade credit to business buyers while receiving payment up front from the finance provider. Embedded checkout and API options reduce engineering effort for B2B payment terms. Invoice finance lets suppliers draw cash against issued invoices. Buyer authentication supports credit decisions on business customers.

B2B buy-now-pay-later and embedded trade credit are growing as sellers compete on payment terms. In Vietnam, B2B e-commerce and wholesale platforms face the same demand from SME buyers for deferred payment.

Headquartered at 15 Worship St, London; registered in England and Wales (07330525). Acquired by Allica Bank, announced 21 October 2025. Supervised by the FCA for anti-money-laundering purposes. Partners include Stripe and the British Business Bank.