Adding net terms to Shopify checkout comes down to two distinct paths. The first is Shopify’s native B2B payment-terms workflow, which is available through Shopify B2B payment terms and lets merchants assign terms to company accounts and company locations. The second is using Resolve Pay net terms, which brings buyer underwriting, receivables workflows, and upfront merchant payment into one B2B payments layer. Both approaches support a better wholesale buying experience than asking business customers to pay in full at the moment of purchase.
That matters because B2B ecommerce keeps expanding, with the global market projected to reach USD 36 trillion by 2026, while a large share of buyers now prefer remote and self-serve interactions. For merchants selling to retailers, distributors, procurement teams, and repeat wholesale accounts, checkout flexibility is no longer a nice-to-have. It is part of the buying experience.
This guide walks through how Shopify native terms work, how Resolve Pay adds net terms to Shopify, and what changes operationally when you want credit decisions, collections support, and faster cash flow rather than a basic deferred-payment setting.
There are two valid ways to add net terms on Shopify, and they work differently.
Important: treat these as separate approaches. For merchants using Shopify B2B company accounts, Resolve’s own Shopify documentation says company accounts should be set to No payment terms if those buyers are meant to check out with Resolve Pay.
B2B merchants usually hit the same problem on Shopify: wholesale buyers want invoice-style purchasing, but the default commerce flow is still much closer to pay-now checkout than trade-credit workflow.
Three issues usually create friction:
This is why many merchants look beyond basic due-date settings. They need the checkout experience to feel simple for the buyer without creating more back-office work for finance.
Net terms at checkout let a B2B buyer place an order now and pay later under agreed terms instead of paying the full balance immediately.
In practice, this means the buyer can complete the order with a deferred-payment arrangement such as Net 15, Net 30, Net 45, Net 60, or Net 90, depending on the workflow you support.
On Shopify, that can happen in two ways:
Yes, Shopify supports payment terms natively for B2B orders, but that capability is tied to Shopify B2B.
According to Shopify’s help documentation, merchants can configure payment terms at the company or company-location level, with options including net 7, net 15, net 30, net 45, net 60, net 90, due on fulfillment, and fixed-date terms. Shopify also supports deposit requirements as part of the B2B payment-terms flow.
What native Shopify terms do well:
What merchants still need to handle themselves:
That distinction matters. Shopify can manage the payment-term setting. It does not turn the platform into a full trade-credit and receivables system on its own.
If your store is already using Shopify B2B, the native route is the most direct way to configure payment terms inside Shopify.
In Shopify Admin, go to Customers > Companies and open the business account you want to configure.
Shopify lets you apply payment terms either to the company as a whole or to specific company locations. This is useful when different branches or business units need different payment structures.
You can assign:
If you want part of the order paid up front, Shopify supports deposits as part of the payment-terms configuration.
Before launch, place a test order through a B2B customer account and confirm:
This route works best for merchants that:
Resolve Pay for Shopify is designed for merchants that want a net-terms checkout experience tied to buyer approval, receivables operations, and faster payment.
Resolve’s documentation shows a Shopify transaction flow where a buyer checks out with Resolve, the order is authorized, and merchants then manage standard Shopify actions such as capture, cancel, refund, and partial refund from Shopify.
Install Resolve Pay in Shopify and connect it to your merchant account.
Once configured, eligible buyers can see Pay with Net Terms during checkout. Resolve also documents ways to conditionally show or hide this payment option for B2B buyers only.
This is one of the most important implementation details. Resolve’s Shopify B2B documentation states that if a company account already has native Shopify payment terms assigned, that buyer will not be able to check out with Resolve. In other words, Resolve Pay is not meant to sit on top of Shopify’s native B2B payment-term assignment for the same account.
Resolve’s Shopify documentation specifically covers:
That means your operations team should verify how order-state changes in Shopify connect to the Resolve flow before going live.
This is where Resolve Pay extends beyond a simple due-date setting. Merchants can connect receivables and reconciliation through:
This is the main operational difference.
With Shopify native terms, the merchant is still running the credit and receivables process. Shopify stores the term and order details, but the merchant still owns the commercial risk and collection workflow.
With Resolve Pay, the workflow is broader:
Resolve Pay’s source material also positions the platform as non-recourse on approved advances and as a modern alternative to factoring, with automation across credit, invoicing, reconciliation, and collections.
For merchants that want net terms to be more than an admin setting, that broader infrastructure is the real difference.
They are not. Shopify native terms are configured inside Shopify B2B company records. Resolve Pay runs as its own checkout and receivables workflow.
Resolve’s own documentation says company accounts should remain on No payment terms if those customers are expected to use Resolve at checkout.
A due date is not the same thing as underwriting, buyer approval, or collections management.
If you use Resolve Pay in Shopify, test the complete transaction lifecycle inside Shopify before launch.
B2B checkout is only one part of the workflow. Merchants also need invoicing, reconciliation, customer communications, and collections support. That is why many teams pair checkout with a broader B2B payment terms and B2B BNPL strategy.
For merchants that simply want to assign deferred-payment terms to known B2B accounts inside Shopify, the native Shopify B2B route can work well.
But for merchants that want a fuller net-terms program inside Shopify, Resolve Pay is the stronger operational fit. It adds a dedicated net-terms checkout experience, supports buyer approval workflows, connects to receivables and collections operations, and fits into broader finance workflows through its accounting and ERP integrations.
That matters most when wholesale growth starts creating back-office complexity. At that point, the question is no longer just whether a buyer can see Net 30 at checkout. The bigger question is whether your team can support underwriting, reconciliation, collections, and cash flow at scale.
That is where Resolve Pay stands out. It turns Shopify net terms from a simple deferred-payment setting into a connected B2B payments workflow built for growth.
Yes. Shopify supports B2B payment terms through company and company-location settings in Shopify B2B, including several net-period options and deposit requirements.
Not as the same configuration path. Resolve’s Shopify B2B documentation says company accounts using Resolve should be set to No payment terms in Shopify’s native B2B settings.
Yes. Resolve documents a Shopify transaction flow that supports checkout authorization and standard Shopify actions such as capture, cancel, refund, and partial refund.
Resolve Pay adds buyer approval, receivables workflows, payment collection support, and integrations with accounting and ERP systems through its integrations and AR automation products.
For merchants focused on growth, receivables efficiency, and cash-flow control, Resolve Pay offers a more complete operating model for Shopify net terms than a basic due-date configuration alone.
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.