Product Updates: February 2026

This month, we expanded buyer payment flexibility, increased buyer account visibility and control, and enhanced credit onboarding.

Here’s what’s new.

Help Buyers Manage Cash Flow with Installments

Installments let buyers begin paying down an invoice before the due date through scheduled payments, rather than paying the full amount at once.

Buyers can now divide an upcoming invoice into scheduled payments directly in the portal. Each installment generates a receipt, and the invoice balance updates in real time.

This gives buyers a structured way to reduce their balance early, spread payments across the term, and avoid due-date spikes in cash outflow.

Keep Buyers Purchasing with Payment Plans for Overdue Balances

Buyers can now request payment plans in the Buyer Portal to resolve overdue balances over time.

Overdue amounts can be converted into scheduled repayments, reducing account suspensions and supporting faster return to active purchasing.

Coming soon: Full payment plan visibility and tracking within the Buyer Portal.

Give Buyers Greater Visibility and Control with the New Credit Hub

We’ve introduced a new Credit Hub in the Buyer Portal, currently available in beta. It provides buyers with a centralized view of their account status and proactive notifications that help them stay active and in good standing.

From within the Credit Hub, buyers can:

• Receive alerts about bank connection status

• Reconnect or add a new bank account if a connection is lost

• View credit limit updates and increase decisions

• See account warnings or suspension notices in real time

By surfacing these alerts early and providing a dedicated place to take action, the Credit Hub helps prevent failed auto-debits, avoid unnecessary delinquency, and support faster credit limit replenishment.

Enhanced Credit Onboarding Experience

We’ve introduced enhancements to the credit application flow to improve completion rates and accelerate activation.

What's new:

• One question at a time to guide applicants step by step

• Easy back navigation before submission for quick adjustments

• Range selection instead of manual typing to reduce input errors

• All options visible at a glance - no dropdowns

• Adaptive approval messaging when a lower-than-requested limit is granted

ADDITIONAL ENHANCEMENTS

• DSO Protection with Split Funding: Gives merchants granular control over when they receive payment from Balance within a single invoice. Instead of choosing a single funding date for the entire amount, merchants can split the invoice across multiple funding schedules (e.g., receive $2,000 immediately and $8,000 on the due date), balancing cash flow needs with financing costs.

• New Consolidated Invoicing Dashboard: Merchants can drill into every underlying invoice, payment, and fee from a single dashboard view - and take action without leaving the page.