It’s not just consumers filling their carts online anymore—businesses are, too. Whether it’s stocking office kitchens, sourcing classroom snacks, or managing bulk orders for healthcare facilities, more organizations are turning to digital platforms to streamline their procurement.
For companies like Instacart, this shift opens up a powerful opportunity: deliver the same world-class convenience to business customers, while meeting the unique needs of B2B purchasing. That includes offering payment options that go beyond credit cards.
A Smarter Way to Pay, Built Into the App
To support the way businesses operate—through purchase approvals, procurement policies, and structured payment cycles—Instacart Business has introduced the ability to pay with invoicing: a streamlined way for organizations to pay and manage purchases more effectively. Embedded in the Instacart Business app experience, the program requires no additional fees and avoids the need for offline workflows.
With the new invoicing solution, eligible Instacart Business customers can:
- Apply for invoicing directly from their Instacart Business account with a fast, streamlined application flow and instant decisions.
- Use Invoicing at checkout upon approval.
- View, manage, and pay invoices from one centralized place with no extra sign up or logging required.
- Access consolidated invoices that group individual purchases into a single statement to simplify accounting and reconciliation.
- Track and report spend more easily with invoice features that align with internal accounting needs.
Powered by Balance—a Scalable Financial Infrastructure for B2B Commerce
Instacart recognized that enabling invoicing was a critical step in meeting the needs of business customers and unlocking B2B growth. They were looking for a partner to handle the heavy lifting—delivering fast, reliable credit decisions for both enterprises and SMBs, while ensuring payments moved quickly and securely. Just as important, the solution had to reflect the Instacart Business brand at every touchpoint: fully white-labeled, on-brand, and seamless from checkout to settlement.
Instacart chose to integrate Balance’s infrastructure to bring a modern invoicing solution to life—fully embedded into the Instacart Business app. With Balance, Instacart Business customers can apply for terms, get approved instantly, and check out seamlessly—no redirects, no friction.
Behind the scenes, Balance manages the complexity: Autonomous risk assessment, instant credit decisions, dynamic credit limits, full automation of invoicing, collections, and cash application, and a white-labeled buyer payment portal. For every approved buyer, Balance assumes the credit risk and guarantees payment at the invoice due date—enabling Instacart to offer terms to more businesses, including SMBs, without added risk or operational burden.
Procurement teams benefit from consolidated invoices and a self-service portal to manage spend and pay their invoices, while Instacart gains a scalable way to drive growth, increase repeat purchases, and build stronger buyer relationships.
Together, Balance and Instacart Business deliver an invoicing experience that meets the needs of real-world procurement teams.
A Signal for the Future of B2B Commerce
Instacart’s launch of Invoicing is part of a larger trend: consumer-first platforms evolving to meet the needs of business customers. By embedding invoicing directly into the app experience—and partnering with Balance to power it—Instacart Business is setting a new standard for how digital platforms can support procurement-friendly payments at scale.
For companies growing their B2B channels, invoicing is a core capability—it gives buyers the flexibility and control they expect, while helping merchants drive repeat purchases, increase share of wallet, and fuel long-term growth.
If you’re serving business buyers, it’s time to meet them where they are—with payment experiences built for the way they work.
