What Ledyer actually does
Ledyer is a B2B payments platform built around invoice and credit terms rather than card-first checkout. A business buyer identifies itself with an organization number instead of a personal ID, and Ledyer looks up the correct company details automatically. Ledyer then runs an automated credit and fraud check in real time. It decides how the buyer can pay, and it pays the merchant upfront regardless of when the buyer's invoice is settled. Ledyer carries the credit risk on that transaction, not the merchant.
How B2B checkout differs from consumer checkout
Consumer checkout tools like Klarna are built around individual shoppers and personal credit history. Ledyer is built around companies, associations, and public-sector buyers, which changes what the checkout needs to know. A business buyer often needs a purchase order reference and a company-level credit limit. The invoice also needs to reach the right accounts-payable contact, not a personal inbox. Ledyer's checkout collects and routes that information as part of the flow instead of leaving it to a manual step after the order.
Where Ledyer fits into an ecommerce build
Ledyer integrates natively with Norce, where it plugs directly into Norce Checkout as a technology partner. It also has an official Shopify app and a Magento 2 / Adobe Commerce module. A WooCommerce integration is available too, through partner plugins. For a custom or headless build, Ledyer offers a REST API that handles the same checkout, credit, and invoicing steps without a pre-built storefront module. Which route makes sense depends on the platform already in place and how much of the checkout logic needs to be custom.
Invoicing, credit, and where the money actually moves
Ledyer supports several invoice paths depending on the buyer's credit standing. A standard invoice runs on 30-day terms, and an advance invoice applies when the credit limit isn't enough. Buyers who order repeatedly can also get monthly consolidated invoicing instead of one invoice per order. Invoices go out as a PDF by email or as an e-invoice in the PEPPOL or Svefaktura formats used across Nordic business and public procurement. They can also be delivered through the Kivra corporate mailbox. Card payments run through a partnership with Worldline, and direct bank payment is available through major Swedish banks.
Ledyer next to other B2B payment providers
Ledyer is one of several Nordic and European providers building B2B-specific checkout and credit tools. Two and Briqpay are both based in the Nordics and cover similar ground. Billie and Mondu are close equivalents outside the Nordics. Sprinque, based in the Netherlands, is another. Walley and Svea are Nordic checkout providers that also offer some form of B2B invoicing alongside their consumer checkout products. Avarda and Qliro do the same. None of these is a straightforward substitute for another. Coverage differs by country. It also differs by which invoice formats and platforms each provider supports natively.
What still needs deciding around the payment method
Adding Ledyer answers the payment and credit question. Platform architecture and checkout page design are separate decisions. So is how the order flows into an ERP or accounting system, and how a public-sector buyer's procurement process runs end to end. Those decisions sit with the platform choice and the integration layer. The surrounding delivery work covers the rest, which is why Ledyer works best when it's planned alongside a broader ecommerce build instead of added afterward.
Getting started with Ledyer
The fastest way to check fit is to start from the platform already in place. A Norce, Shopify, or Magento build can use an existing module, while a headless or custom build goes through the API. From there, the open questions are which invoice formats the buyer base actually needs and whether public-sector customers are part of the mix. It's also worth mapping how invoice data should flow into existing accounting and ERP systems.