All purchases land in a single monthly overview. No separate due dates, no juggling multiple payments — just one clear amount, once a month.
Monthly Invoice
One invoice per month, per merchant.
Monthly Invoice consolidates all purchases into a single payment, increasing purchase frequency, reducing friction, and keeping customers loyal to your brand. Guaranteed payout.
For customers who shop regularly
What Monthly Invoice means for your business
How Monthly Invoice works
Monthly Invoice at checkout
Customers select Monthly Invoice as their payment method. Each purchase is added to their running monthly total automatically.
Every order tracked
Every order and return updates the statement in real time. Customers can track everything in the Riverty app or directly in your shop.
One invoice, one payment
At the end of the billing period, Riverty sends your customer a single, clear payment overview with your branding front and centre. Smart reminders handle the follow-up.
You get paid
Payout lands with you directly on every accepted transaction. Riverty manages reminders, collections, and customer payment queries — so your team doesn't have to.
Our product features
| Service | Details |
|---|---|
|
Where it's available |
Germany, Austria, Switzerland, the Netherlands, Belgium, Sweden, Finland |
|
Payout model |
Guaranteed on every accepted transaction—Riverty absorbs consumer non-payment risk |
|
Risk and fraud |
Automated credit assessment per order—each transaction evaluated individually before being added to the consolidated invoice |
|
Consumer self-service |
Riverty app—customers track all purchases, returns, and payments in one monthly overview |
|
Payment flexibility |
Monthly billing cycle—customers shop throughout the month and settle once |
|
Consumer communication |
Email, app, web portal, phone, chat, chatbot, social media |
|
Merchant support |
Merchant Portal, merchant service desk, 24/7 monitoring service |
|
Integration |
REST API, PSP partners (Adyen, Mollie, Pay etc.), platform plugins (Shopify, Magento, WooCommerce etc.) — more info in the Developer Portal |
Would you like to know more? Let’s talk.
|
Marija Loncar-Schindewolf
Head of Sales |
Support that extends beyond the sale
Post-checkout is where trust, clarity, and brand experience continue – and where Riverty keeps working behind the scenes.
Dispute management
Automated, transparent dispute handling that reduces effort, speeds up resolution, and keeps customers confident in your brand.
Fraud prevention
Riverty flags high-risk transactions and enables stop-order requests before shipment, helping merchants prevent fraud at the source while protecting customers and lowering operational risk.
Merchant dashboards and Insights
Access real-time insights into payments, returns, and customer activity, so you can make faster decisions and keep operations running without surprises.
Trusted by Europe’s top retailers
Behind every great customer experience is a payment journey that just works.
Leading retailers across 9 European markets trust Riverty’s Buy Now, Pay Later and monthly invoice solutions to combine financial flexibility with operational reliability.
Your BNPL, your way
Choose from flexible BNPL product types that work for your customers and comply with local regulations, while keeping every touchpoint aligned with your brand.
Your frequently asked questions, our answers
Riverty’s Monthly Invoice is currently available in Germany, Austria, Switzerland, the Netherlands, Belgium, Sweden, Finland. Availability of specific payment terms may vary by market. For details on monthly invoice payment solutions in your market, speak to our team.
Monthly Invoice operates on a dual-phase structure. During the running statement period, all orders, returns, and disputes are captured in real time. At the end of the billing period, a single consolidated invoice is issued covering all eligible transactions. The payment term starts from the invoice issue date. This consolidated billing approach reduces reconciliation effort and gives both merchants and customers a clear, predictable overview.
Yes. Riverty assumes responsibility for the consumer receivable and guarantees merchant settlement regardless of whether the customer pays. Rather than reconciling numerous individual payments, merchants receive payment directly from Riverty—providing stable cash flow and removing exposure to individual transaction risk. This makes Monthly Invoice a reliable, risk-managed BNPL monthly invoice solution for ecommerce merchants.
Each order is individually assessed before being added to the running statement, within Riverty’s automated credit assessment and fraud & risk management framework. Merchants benefit from integrated compliance and risk operations without needing to manage these processes themselves.
Returns and disputes raised during the running statement period are captured in real time and reflected in the consolidated invoice before it is issued. Post-invoice returns and disputes are handled separately after the invoice has been generated, ensuring settlement documentation remains accurate and reconciliation is straightforward.
Monthly Invoice can be integrated via REST API, supported ecommerce platform plugins, or direct connection through modular checkout environments. Full API documentation and technical integration guides are available in the Developer Portal.
Log in to the Merchant Portal for transaction overview, reporting, settlement tracking, and case management.