What is the xChange Trading Credit Line - Buy Now Pay Later (BNPL)?

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What is the xChange Trading Credit Line - Buy Now Pay Later (BNPL)?

xChange offers a short-term credit line (14 days – 30 days and 60 days) that can be used in trading deals with payment handling through xChange by the buyer in the transaction.


With the credit line, xChange gives its members the opportunity to receive a release reference as soon as the deal is accepted, without waiting for an international payment to arrive. In addition, the credit line helps members to improve their cash flow management.


In xChange credit line deals, the seller can request a payout 7 days after the release was provided according to our standard Trading Payment Handling T&Cs (Trading Payment Handling Process and Terms & Conditions ).

At the same time, the Buyer has either 14, 30, or 60 calendar days (after the invoice date) to ensure payment arrives at the nominated xChange bank account. If no payment terms have been selected, then the invoice settlement should not exceed 7 days after the invoice issuance.

Being eligible for our trading credit line (BNPL) means that we as xChange expect payment within its terms. Failure to comply with the payment terms will result in a late payment fee (see Terms & Conditions) and will also decrease or remove your credit line with xChange.



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