Instacart Business Partners with Balance to Transform B2B E-Commerce
With Balance’s Automated Infrastructure, Credit Approval, Collections, and Cash Application Handled Automatically
From a Press Release Dated April 15, 2025, New York, NY
Instacart Business has partnered with Balance, a B2B financial infrastructure provider, to launch an embedded invoicing and pay-by-invoice solution directly within the Instacart platform. This integration allows Instacart Business customers—ranging from small teams to large enterprises—to apply for invoicing, receive instant credit decisions, and manage payments seamlessly in-app, without being redirected or needing third-party logins. The solution is white-labeled, giving Instacart full control over the customer experience and enabling a consistent, scalable payment process for business users.
Balance automates the entire invoice-to-cash cycle behind the scenes, handling onboarding, risk assessment, billing, collections, and cash application. For each approved transaction, Balance assumes the credit risk and guarantees payment, which allows Instacart Business to extend flexible payment terms to a broader range of customers, including sole proprietors and small businesses, while improving operational efficiency.
This new integration with Balance responds to customer demand for greater payment flexibility and operational efficiency, and positions Instacart Business to better serve modern procurement teams with streamlined, self-service spend management and flexible payment options.
In a January 2024 announcement, Balance introduced its transaction lifecycle product suite, designed to address inefficiencies and costs in business payments that impact profit margins for brands, distributors, and marketplaces. This suite leverages AI-powered tools for net terms assessment and financing, payment cost optimization, and accounts receivable (AR) automation, enabling businesses to improve margins and drive growth.
The modular and customizable suite includes:
Digital Trade Credit: AI-enhanced credit reviews for payment terms, integrated checkout, and streamlined invoice payments.
B2B Payments: Multiple payment methods (including ACH and wire transfers) to reduce reliance on costly credit card fees, plus features like surcharges for credit card optimization.
Marketplace OS: Tools for online marketplaces to manage payments, financing options for buyers, and payouts to vendors.
AR Management: Automation of accounts receivable processes, including payment collection and buyer portals for invoice management.
The product suite is designed to be flexible, allowing merchants to tailor solutions to their specific needs, and supports a wide range of business sizes, including SMBs that often face approval challenges elsewhere. Since its launch, Balance has rapidly expanded its transaction network and customer base, supporting over 100,000 business buyers and 13,000 vendors, and has formed key partnerships with major B2B e-commerce platforms.