Product Updates: January 2026

January’s updates include a new onboarding module with built-in fraud detection, support for over-limit ordering, and the ability for buyers to make partial payments online.

Here's the breakdown:

B2B customer onboarding with built-in fraud detection

We’re introducing a new B2B Customer Onboarding module that replaces traditional account-creation flows with identity-grade onboarding, allowing merchants to establish buyer legitimacy and reduce fraud from the very first interaction.

The module includes a built-in, real-time fraud detection agent that validates the business and confirms the individual’s association with it using live signals such as web presence and IP checks. Buyers enter basic business and personal information, and verification runs seamlessly as part of onboarding.

This onboarding capability stands on its own and can be used independently of Digital Trade Credit, with net terms onboarding added if needed. With this capability, merchants verify buyers once and rely on that trusted identity across purchases, payments, and future credit flows.

Over-limit orders: Keep purchases moving beyond credit limits

Buyers can now maximize their purchasing power and terms utilization by using their credit limit for orders even when the total amount exceeds their available credit limit.

During the credit application or in the buyer portal, buyers select a backup payment method for over-limit purchases. When an order exceeds their credit limit, Balance automatically charges the payment method on file. This works out of the box, with no development or configuration required from the merchant.

Online partial payments: Increase payment flexibility before due dates

Buyers can now make partial payments directly from the buyer portal, applying any amount they choose to open invoices before the due date.

Each payment is applied immediately, with clear visibility into the remaining balance on every invoice. This allows buyers to pay as cash becomes available rather than waiting to submit a single lump-sum payment, better meeting buyer needs and improving overall satisfaction.

In buyer-paid BNPL programs, merchants can choose to prorate financing fees so buyers pay fees only on the remaining outstanding balance.

ADDITIONAL ENHANCEMENTS

• Transaction-level DSO Protection: Allows merchants to choose to be paid by Balance on the invoice due date or later, at a reduced fee. Supports transactions where supplier payment timing differs, while enabling selective reduction of financing fees.

• 3DS 2.0 for card payments: Added 3DS 2.0 authentication to strengthen fraud detection and reduce risk on credit card purchases.

• Dispute management dashboard: Merchants can submit evidence and manage card payment disputes directly in the dashboard, with full visibility into dispute status and outcomes as they update.