In Switzerland, most (e-commerce) businesses allow to buy on invoice, e.g. you just pay by providing your name and address. Is this prevalent in other countries?

The shop usually provides 2-4 weeks of credit until that invoice gets paid eventually.

There's a whole industry behind that, where businesses can sell the risk to a third party and receive the money instantly by paying a commission based on the risk assessment of the buying party.

Is there a name for that?