Trust in e-commerce is asymmetric — consumers take a risk every time they pay before receiving goods, and merchants take a risk every time they ship before receiving payment. Billink was founded in the Netherlands in 2011 to resolve that asymmetry for the Dutch market with a pay-after-delivery service that lets consumers pay within 30 days of receiving their order. The model absorbs the credit risk on behalf of merchants, paying them immediately while extending the payment window to consumers — a structure that reduces cart abandonment and increases average order values in categories where consumers want to inspect before committing. Billink has built strong integration across Dutch e-commerce platforms and marketplaces, becoming a familiar payment option for Dutch online shoppers who value the security of paying after delivery. Its focus on the Dutch market — rather than the pan-European expansion pursued by larger BNPL players — has allowed it to build depth in local payment infrastructure, merchant relationships, and consumer trust that generalist competitors find difficult to match. In a BNPL landscape increasingly dominated by well-funded international players, Billink's local specialisation is both its constraint and its competitive moat.