How to Add Net Terms at Checkout on Magento 2 (2026 Guide)

If you're losing B2B orders because you can't offer payment terms at checkout, or manually managing credit applications and waiting weeks to collect, you're solving the right problem.

B2B buyers on Magento 2 storefronts increasingly expect payment workflows that match how business purchasing already works: purchase orders, invoice approvals, and net payment terms instead of immediate card payment at checkout. But adding net terms to Magento 2 is not just a checkout-label change. You need a payment workflow that can handle buyer applications, credit decisions, order processing, invoice visibility, collections, and AR reconciliation without forcing your finance team into spreadsheet-based follow-up.

Resolve Pay is built for that workflow. Its B2B net terms and payment platform help merchants offer embedded net terms at checkout while automating credit, invoicing, collections, and reconciliation. For Magento 2 merchants, the Resolve Pay extension adds a “Pay with Net Terms” option to checkout, connects buyer applications to Resolve Pay, and keeps order activity aligned with the merchant’s operating workflow.

This guide walks through how to add net terms at checkout on Magento 2 using Resolve Pay. It covers installing the extension, retrieving API credentials, configuring the payment method, testing in sandbox, reviewing order management behavior, and going live.

Key Takeaways

• Magento setup starts with the extension: Resolve Pay’s Magento 2 integration adds net terms as a payment option in checkout and connects the buyer application flow to Resolve Pay.
• Sandbox testing should happen before launch: Resolve Pay recommends configuring the integration in a staging or sandbox environment before pushing it live.
• Admin configuration is straightforward: Magento admins configure Resolve Pay under Stores > Configuration > Sales > Payment Methods > Resolve.
• Order thresholds control visibility: Minimum and maximum order total settings determine when the Resolve Pay option appears at checkout.
• Buyer credit decisions are handled by Resolve Pay: Resolve Pay manages credit approval, underwriting, collections, and non-recourse payment workflows for approved buyers.
• AR automation matters after checkout: Resolve Pay supports invoicing, payment workflows, collections, and integrations with ecommerce, ERP, and accounting systems through its integration tools.

How to Add Net Terms at Checkout on Magento 2: Quick Steps

1. Install the Resolve Pay extension using Composer or command-line installation from the Magento 2 guide
2. Retrieve your Merchant ID and Secret API Key from the Resolve Pay merchant dashboard
3. Go to Stores > Configuration > Sales > Payment Methods > Resolve in the Magento admin
4. Enter your API credentials and keep the integration in Sandbox mode during testing
5. Set Minimum and Maximum Order Totals to match when net terms should appear at checkout
6. Review order management behavior so authorizations, captures, cancellations, refunds, and partial refunds stay synced properly
7. Test the full checkout flow using a sandbox buyer account
8. Flush the Magento cache and complete any required re-indexing after installation or configuration changes
9. Switch to Production after Resolve Pay provides production credentials

Why Do B2B Merchants Add Net Terms at Checkout?

B2B merchants add net terms at checkout to give buyers a payment experience that matches business purchasing behavior while reducing manual credit, invoicing, and collections work for internal teams.

Buyers expect invoice-based purchasing

B2B buyers often purchase through company accounts, procurement workflows, and invoice approval processes. Requiring every buyer to pay immediately by card can create friction for companies that prefer purchase orders, net terms, or centralized AP review.

Magento 2 already supports complex B2B purchasing workflows through Adobe Commerce features such as company accounts, purchase orders, and company credit. Resolve Pay extends that workflow by adding embedded net terms and credit decisioning at checkout.

Manual credit management does not scale cleanly

Handling buyer credit applications by email, reviewing references manually, and tracking collections in spreadsheets may work for a small buyer base. As B2B order volume grows, the process becomes harder to manage consistently.

Resolve Pay helps centralize the credit-to-cash workflow through accounts receivable automation, buyer credit workflows, payment reminders, and collections support.

Cash flow timing matters

When merchants offer net terms manually, they often wait for buyers to pay after the invoice due date. That delay can create working capital pressure, especially for manufacturers, wholesalers, and distributors with inventory or fulfillment costs.

Research from the Federal Reserve’s small business payments report found that many small firms face payment-related challenges, including slow-paying customers in certain industries. Resolve Pay helps address this issue by combining net terms, credit management, and payment workflows in one platform.

Resolve Pay combines net terms and AR operations

Net terms at checkout via Resolve Pay helps address these issues together. Buyers can request terms during checkout, Resolve Pay manages credit and payment workflows, and merchants can connect the workflow to their broader AR stack through ERP and ecommerce integrations.

Net Terms at Checkout on Magento 2: How It Works

Net terms at checkout on Magento 2 is a B2B payment method that lets eligible business buyers select invoice-based payment terms during checkout instead of paying immediately by card or ACH.

Buyer-facing checkout flow

After the Resolve Pay integration is installed and enabled, Magento 2 can show Resolve Pay as a payment option during checkout. The payment option also surfaces a link to the buyer application, allowing business buyers to request terms as part of the checkout experience.

A typical buyer flow looks like this:

1. The buyer adds products to cart
2. The buyer proceeds to checkout
3. Resolve Pay appears as a payment option for qualifying orders
4. The buyer selects Resolve Pay
5. The buyer is routed through the Resolve Pay application or confirmation flow
6. Resolve Pay returns the buyer to the Magento order confirmation flow after completion

This keeps the payment experience connected to the Magento checkout instead of sending buyers to a disconnected offline credit application.

Merchant-side workflow

On the merchant side, Resolve Pay helps manage the credit, invoicing, payment, and collections workflow behind the transaction. The platform is designed to support net terms management, credit decisions, invoicing, reminders, and payment collection.

Magento order management actions can also sync with Resolve Pay. The Resolve Pay documentation recommends processing order actions such as authorize, capture, cancel, refund, and partial refund in Magento 2 so the order status stays aligned with the Resolve Pay dashboard.

Net Terms Options for Magento 2: How Approaches Compare

Not every Magento 2 net terms workflow operates the same way. The right approach depends on whether the merchant needs simple invoice tracking, native company credit, or a managed net terms and AR workflow.

Adobe Commerce company credit

Adobe Commerce B2B includes company credit functionality that lets businesses purchase against a pre-approved credit line. Adobe’s company credit documentation explains that admins can configure credit limits, track credit activity, and manage outstanding balances for company accounts.

That native workflow is useful for merchants that want to manage company credit internally. Resolve Pay is different because it adds managed credit workflows, net terms financing, buyer payment workflows, collections support, and AR automation.

Resolve Pay net terms

Resolve Pay is built for merchants that want to offer net terms without building an internal credit and collections operation from scratch. The platform combines business credit checks, embedded checkout, invoicing, payment workflows, and collections support.

Traditional factoring is another way to access cash tied to receivables, but it typically happens after invoices already exist. Resolve Pay is positioned as a modern factoring alternative for merchants that want to embed net terms earlier in the buyer journey.

Prerequisites Before You Begin

Before configuring net terms at checkout in Magento 2, confirm the following:

• Active Resolve Pay merchant account: Contact Resolve Pay if you do not already have an account.
• Magento 2 admin access: You need backend access with configuration permissions.
• Resolve Pay extension installed: Follow the Magento 2 guide.
• API credentials: Retrieve your Merchant ID and Secret API Key from the Resolve Pay dashboard.
• Sandbox credentials: Request sandbox API credentials from your Resolve Pay account manager.
• Staging or sandbox environment: Resolve Pay recommends testing before pushing the integration live.
• Magento cache and indexing access: Cache clearing and re-indexing may be needed after installation or configuration changes.

If you install through Composer, make sure your Magento authentication keys and command-line access are ready. Composer is the PHP dependency manager used in many Magento extension workflows, and its official Composer documentation explains how package installation works.

Step 1: Install the Resolve Pay Extension

Resolve Pay’s Magento 2 documentation provides two installation options.

Install using Composer

Composer installation is the preferred approach for many Magento 2 teams because it fits into a standard extension deployment workflow.

At a high level, the process includes:

1. Retrieve your Magento authentication keys
2. Run the required Composer commands from the Magento root directory
3. Enable the module if needed
4. Run Magento setup or upgrade commands if required
5. Clear the Magento cache

Your developer or Magento administrator should follow the exact commands in the Resolve Pay documentation, since command details may vary by environment.

Install using command line

Resolve Pay also documents command-line installation. This path involves downloading the extension, placing the files in the correct Magento app/code directory, verifying that the module exists, enabling it, and clearing the Magento cache.

After either installation method, Resolve Pay notes that merchants may need to re-index product and category tables after installation.

Step 2: Retrieve Your API Credentials

After the extension is installed, retrieve your Merchant ID and Secret API Key from the Resolve Pay merchant dashboard.

Where to find credentials

In the Resolve Pay dashboard:

1. Open Settings
2. Select Integrations
3. Find the Direct API section
4. Copy your Merchant ID and Secret API Key

Use sandbox credentials when configuring a sandbox environment. When you are ready for production, log into the production dashboard or use the production credentials provided by Resolve Pay.

Why sandbox credentials matter

Sandbox credentials prevent test checkout activity from being mixed with live buyer activity. They also let your team validate the buyer application flow, order confirmation flow, and dashboard visibility before launch.

Step 3: Configure Resolve Pay as a Payment Method

With the extension installed and credentials available, open your Magento 2 admin panel and go to:

Stores > Configuration > Sales > Payment Methods > Resolve

Core settings to configure

You will see configuration fields such as

Recommended setup sequence

1. Set Mode to Sandbox
2. Enter your sandbox Merchant ID and Secret API Key
3. Configure order total visibility rules
4. Choose whether to display the Resolve Pay logo or plain text
5. Save the configuration
6. Flush Magento cache if changes do not appear

If changes do not take effect immediately, Resolve Pay’s documentation recommends flushing the Magento cache and signing out and back in to reset permissions.

Step 4: Configure Order Visibility Rules

Order visibility rules determine when Resolve Pay appears as a payment method at checkout.

Use order totals to control availability

Magento admins can set minimum and maximum order total values in the Resolve Pay payment method configuration. Orders outside that range will not show Resolve Pay as a checkout option.

This matters because most B2B merchants do not want every order to trigger a net terms application flow. Order thresholds help keep Resolve Pay focused on the transactions where net terms make operational sense.

Align visibility with your B2B motion

Use thresholds and customer segmentation to align net terms availability with your wholesale or business-buyer workflow. For example, you may want Resolve Pay to appear only for qualified wholesale orders, company accounts, or orders that meet your internal net terms policy.

The exact restriction method depends on your Magento setup. Some merchants use Adobe Commerce B2B company accounts; others use customer groups, checkout rules, or compatible payment restriction extensions.

Step 5: Review Order Management Functions

Before testing, review how order actions in Magento affect the Resolve Pay dashboard.

Keep order actions inside Magento

Resolve Pay’s Magento 2 documentation recommends processing order actions in Magento 2 so order status stays synced with Resolve Pay. These actions may include:

• Authorization
• Capture
• Cancellation
• Refund
• Partial refund

While order actions may also be visible in the Resolve Pay dashboard, using Magento as the source of order management helps reduce sync issues.

Confirm your operational owner

Before launch, decide who owns each workflow:

• Magento admin or ecommerce team: order status, captures, refunds, cancellations
• Finance or AR team: invoice visibility, payment reconciliation, collections monitoring
• Resolve Pay: credit workflows, buyer payment workflows, collections support, and non-recourse payment handling for approved advances

Clear ownership helps prevent duplicate updates or mismatched order records.

Step 6: Test the Checkout Flow in Sandbox

Before switching to production, test the full checkout flow in a sandbox or staging environment.

Sandbox testing checklist

1. Add an item to the cart on your test storefront
2. Proceed to checkout
3. Confirm Resolve Pay appears as a payment option
4. Select Resolve Pay
5. Proceed through the Resolve Pay testing environment
6. Log in as a sandbox buyer
7. Confirm the payment flow
8. Wait for the redirect back to your Magento confirmation page
9. Verify the transaction in Magento admin
10. Verify the transaction in the Resolve Pay sandbox dashboard

Resolve Pay’s documentation notes that the sandbox URL indicates when you are in the testing environment.

Use valid test information

During testing, Resolve Pay recommends using valid U.S. addresses and phone information. Fake address or phone details can interfere with configuration verification.

If you need sandbox buyer credentials, your Resolve Pay account representative can help provide or approve a sandbox customer account.

Step 7: Flush Cache, Re-Index, and Go Live

Once sandbox testing confirms the checkout flow works correctly, complete the final technical steps before launch.

Flush the Magento cache

Go to:

System > Cache Management > Flush Magento Cache

If your store uses Varnish, a CDN, or another caching layer, purge those caches as well. Checkout and payment configuration changes may not appear correctly until cached content is cleared.

Re-index Magento data

If your installation or configuration changes affect indexed Magento data, run the re-index command from your Magento root directory:

bin/magento indexer:reindex

Resolve Pay’s Magento 2 documentation notes that product and category tables may need re-indexing after installation.

Switch to production

After Resolve Pay verifies the sandbox configuration, your Resolve Pay Customer Success Manager can provide production credentials.

To go live:

1. Return to Stores > Configuration > Sales > Payment Methods > Resolve
2. Change Mode from Sandbox to Production
3. Replace sandbox credentials with production credentials
4. Save the configuration
5. Flush Magento cache again
6. Run a final live checkout validation with your internal team

How Do Net Terms Appear to B2B Buyers at Checkout?

B2B buyers see Resolve Pay as a payment option during Magento checkout when the order qualifies under your configuration rules.

Buyer experience

When a business buyer checks out, Resolve Pay can appear alongside other payment methods such as card, ACH, or purchase order workflows. The buyer selects Resolve Pay, follows the application or confirmation flow, and returns to the Magento order confirmation page after completing the process.

The exact buyer fields and decision process may vary based on buyer details, order context, and Resolve Pay’s credit policies. Credit limits and terms are subject to buyer verification and Resolve Pay’s approval process.

What happens if the buyer is not approved?

If the buyer is not approved for net terms, they can use another available payment method in your Magento checkout. This keeps the buyer in the purchase flow rather than forcing your team to manage a disconnected manual decline process.

What happens after approval?

For approved transactions, Resolve Pay supports the payment, invoicing, collection, and reconciliation workflows behind the order. Resolve Pay’s non-recourse structure means approved advances are designed to protect the merchant from buyer non-payment under the applicable Resolve Pay terms.

Connecting Net Terms Checkout to Your AR Workflow

Adding net terms at checkout solves the buyer-facing part of the workflow. The next step is making sure the finance team can reconcile invoices, payments, and customer activity without manual cleanup.

Resolve Pay integration coverage

Resolve Pay supports integrations across ecommerce, ERP, and accounting platforms, including:

For technical integration guidance, see Resolve Pay’s ERP integration guide.

Why AR automation matters

Without AR automation, every net terms order can create follow-up work for finance: invoice creation, payment reminders, collections notes, reconciliation, and ledger updates. Resolve Pay’s accounts receivable platform helps streamline these workflows by supporting invoice management, payment reminders, reconciliation, and collections activity.

For merchants managing high B2B order volume, this AR layer is what makes net terms operationally sustainable after checkout goes live.

Common Mistakes to Avoid When Adding Net Terms in Magento 2

Not testing in sandbox first

Resolve Pay recommends installing and testing the integration in a sandbox or staging environment before pushing it live. Skipping this step can make it harder to isolate checkout, credential, or redirect issues.

Using the wrong credentials

Sandbox credentials should be used for sandbox testing, and production credentials should be used only when the store is ready to go live. Mixing credentials can cause unnecessary configuration errors.

Forgetting to flush cache

Magento caches configuration aggressively. If Resolve Pay does not appear after saving settings, flush Magento cache and sign out and back in as recommended in the Resolve Pay documentation.

Skipping re-indexing after installation

Resolve Pay notes that product and category tables may need to be re-indexed after installation. If the payment option appears inconsistently, re-indexing is one of the first technical checks to complete.

Setting visibility rules too broadly

If Resolve Pay appears for orders that are not part of your B2B net terms workflow, the checkout experience may become confusing for retail or one-off buyers. Use order thresholds, customer groups, company accounts, or payment restriction rules to keep net terms focused on the right buyer segment.

Managing order actions outside Magento

Resolve Pay recommends using Magento 2 for order management actions so status changes sync properly with Resolve Pay. Processing order actions in multiple places can create avoidable operational confusion.

Advanced Configuration Tips

Offer terms through the right buyer journey

Resolve Pay is designed for B2B buyers that need invoice-based purchasing, credit lines, and net payment workflows. Make sure the payment method appears in the buyer journey where business buyers expect it: company accounts, wholesale ordering, field sales-assisted checkout, or other B2B storefront paths.

Match order rules to your net terms policy

Use Magento order total settings and customer segmentation to match Resolve Pay availability to your internal B2B policy. This keeps checkout clean and reduces unnecessary applications from buyers who are not part of your net terms program.

Monitor the Resolve Pay dashboard after launch

After go-live, monitor the Resolve Pay dashboard for buyer applications, order activity, payment status, and collections activity. This helps finance and ecommerce teams stay aligned during the first weeks of live usage.

Add a short explanation near checkout

Some buyers may not immediately understand how embedded net terms work. A short “How net terms work” explanation near the payment option can help buyers understand that Resolve Pay supports invoice-based payment terms, credit workflows, and business payment options.

Connect accounting early

If your team uses QuickBooks Online, Xero, NetSuite, or Sage Intacct, connect Resolve Pay to your accounting or ERP workflow early. This reduces manual reconciliation after net terms orders begin flowing through checkout.

Next Steps

With net terms at checkout on Magento 2 live in your store, the next step is connecting Resolve Pay to the systems your finance team already uses.

Start with your primary workflow:

• Use B2B net terms to offer embedded payment terms
• Use accounts receivable automation to streamline invoice and collection workflows
• Use integrations to connect ecommerce, accounting, and ERP systems
• Use the Magento 2 guide for technical setup details

If your team is ready to offer net terms at checkout, Resolve Pay helps connect the buyer experience, credit workflow, and AR process in one B2B payments platform.

Get started with Resolve Pay

Frequently Asked Questions

What are net terms at checkout on Magento 2?

Net terms at checkout on Magento 2 is a B2B payment workflow that lets eligible business buyers request invoice-based payment terms during the Magento checkout flow instead of paying immediately. With Resolve Pay, the checkout option connects to buyer application, credit, payment, invoicing, and collections workflows.

Does Magento 2 support net terms natively?

Adobe Commerce B2B includes company credit functionality that lets merchants assign credit limits to company accounts and manage purchases on account. However, merchants that want embedded credit workflows, non-recourse payment handling, collections support, and AR automation can use Resolve Pay alongside Magento 2.

How long does it take to set up net terms in Magento 2?

Setup timing depends on your Magento environment, developer access, staging process, and internal QA requirements. The core configuration is handled in the Magento admin after the extension is installed, but merchants should allow time for sandbox testing, cache clearing, re-indexing, and production credential approval.

Can net terms be restricted to specific customer groups?

Yes. Merchants can use Magento configuration, customer groups, Adobe Commerce B2B company accounts, or compatible payment restriction rules to control who sees Resolve Pay at checkout. This is useful for keeping net terms focused on wholesale or approved business buyers.

Is Resolve Pay compatible with Magento Open Source and Adobe Commerce?

Resolve Pay’s Magento 2 documentation describes an integration for Magento 2 ecommerce platforms. Adobe Commerce B2B features such as company credit, company accounts, and purchase order workflows are specific to Adobe Commerce B2B, while the Resolve Pay integration should be configured according to the technical requirements in the official Magento 2 documentation.

This post is to be used for informational purposes only and does not constitute formal legal, business, or tax advice. Each person should consult his or her own attorney, business advisor, or tax advisor with respect to matters referenced in this post. Resolve assumes no liability for actions taken in reliance upon the information contained herein.