WooCommerce gives B2B sellers a flexible ecommerce foundation, but it does not automatically solve the way business buyers prefer to pay. Wholesale customers often expect net 30, net 45, or net 60 terms, especially when they are buying inventory, raw materials, equipment, or repeat replenishment orders. Without a net terms option at checkout, the buying process often moves offline, adding manual credit review, invoice follow-up, and back-office work for the seller.
Adding net terms financing to WooCommerce in 2026 usually requires one of three approaches: a dedicated B2B payments platform, a WooCommerce B2B plugin, or a deferred invoice workflow connected to an existing payment processor. Each option can create a pay-later experience, but they differ in how they handle credit decisions, cash flow timing, collections, and accounting reconciliation.
This guide explains how net terms work at WooCommerce checkout, compares the main setup paths, and walks through the Resolve Pay implementation for B2B sellers that want a more complete workflow. Resolve Pay adds net terms to checkout while also supporting buyer credit decisions, invoice workflows, collections, and integrations across ecommerce, ERP, and accounting systems.
Net terms at WooCommerce checkout means giving B2B buyers the option to place an order now and pay later on an agreed invoice schedule. Instead of paying immediately by card or wallet, the buyer can use terms such as net 30, net 45, or net 60.
For B2B suppliers, net terms are common in wholesale, manufacturing, distribution, and replenishment buying. Buyers often need time to receive goods, resell inventory, or process invoices through internal accounts payable workflows. Sellers, however, still need predictable cash flow, clean receivables, and a way to manage buyer risk.
That is why adding B2B net terms to WooCommerce is not only a checkout configuration issue. It also affects underwriting, invoice management, payment collection, and accounting reconciliation.
WooCommerce is built around ecommerce checkout, payment collection, order management, and store operations. Its standard payment flow is designed around immediate payment methods, while B2B net terms require additional financial workflows.
A complete net terms setup needs to answer three questions:
WooCommerce can support custom payment methods through extensions, but a deferred payment option alone does not automatically create a full credit-to-cash workflow. That is where a dedicated B2B payments platform can help.
Before choosing a setup path, it helps to compare what each approach is responsible for. The best choice depends on your order volume, buyer base, accounting process, and appetite for managing credit internally.
|
Feature |
Resolve Pay |
B2BKing |
Wholesale Suite |
|---|---|---|---|
|
Checkout net terms option |
Yes |
Yes |
Yes |
|
Buyer credit decisions |
Managed through Resolve Pay credit workflows |
Managed by the merchant |
Managed by the merchant |
|
Merchant cash flow support |
Upfront payment support for approved invoices |
Buyer pays later based on merchant terms |
Buyer pays later through invoice workflow |
|
Collections support |
Resolve Pay supports reminders and collections workflows |
Managed by the merchant |
Managed by the merchant or payment workflow |
|
Accounting and ERP sync |
Supported through Resolve Pay integrations |
Depends on store stack |
Depends on store stack |
|
WooCommerce Checkout Blocks |
Classic Checkout required |
Varies by setup |
Varies by setup |
Resolve Pay is a B2B payments and net terms platform that supports embedded checkout terms, buyer credit workflows, accounts receivable automation, and back-office integrations. For WooCommerce sellers, the Resolve Pay integration adds a net terms payment option to checkout and connects that payment option to the broader Resolve Pay workflow.
Resolve Pay is built for B2B suppliers that want to offer terms without turning their internal team into a manual credit, collections, and reconciliation operation. The platform supports:
Resolve Pay is especially relevant for manufacturers, wholesalers, distributors, and B2B ecommerce sellers that want to grow online ordering while keeping AR operations under control.
B2BKing is a WooCommerce B2B plugin that can help merchants configure B2B buyer roles, wholesale pricing, order rules, and net terms-style checkout workflows. Sellers can use it to create a more tailored B2B purchasing experience inside WooCommerce.
This approach can work for sellers with a small, established buyer base and an internal process for deciding which accounts receive terms. The merchant remains responsible for buyer approval, receivables tracking, and collections.
Wholesale Suite helps WooCommerce sellers manage wholesale order forms, role-based pricing, catalog visibility, and buyer-specific purchasing workflows. With payment add-ons and connected payment tools, sellers can create deferred payment workflows for wholesale customers.
This can fit sellers that already manage credit internally and mainly need a WooCommerce-specific way to organize wholesale buying. The seller still needs a clear process for approvals, invoice tracking, payment reminders, and reconciliation.
Resolve Pay is the most complete option for WooCommerce sellers that want checkout-based net terms connected to credit, collections, and AR automation. The setup process follows the Resolve Pay WooCommerce documentation and should be tested in a staging or sandbox environment before going live.
Confirm the following before installing the plugin:
The Classic Checkout requirement is important. The current Resolve Pay plugin does not support WooCommerce Checkout Blocks, so stores using Blocks need to switch to Classic Checkout before launching Resolve Pay.
Download the Resolve for WooCommerce plugin from the WooCommerce plugin explorer or the WordPress plugin page. The plugin adds Resolve Pay as a payment gateway inside WooCommerce.
After downloading the plugin as a zip file, keep it ready for upload inside your WordPress admin dashboard.
Log in to your WordPress admin panel and follow these steps:
At this point, the plugin is installed, but the payment option will not work until your Resolve Pay credentials are added.
Log in to your Resolve Pay merchant dashboard and go to the integration settings. Your merchant ID and secret API key are available under the Direct API section.
Use sandbox credentials while testing. Production credentials should only be used after the sandbox flow has been reviewed and approved for launch.
Inside WordPress admin, open the Resolve Pay payment settings and complete the gateway setup.
Typical settings include:
A clear checkout label matters. Many sellers use wording such as Net Terms or Pay with Net Terms so B2B buyers recognize the option immediately.
Testing confirms that the buyer application, checkout redirect, order creation, and Resolve Pay dashboard records are working before real buyers see the option.
Run a full sandbox test:
Avoid fake or incomplete address data during sandbox testing. The Resolve Pay WooCommerce documentation notes that valid U.S. address and phone information is required for testing.
After sandbox validation, your Resolve Pay Customer Success Manager can provide production credentials. Replace the sandbox merchant ID and API key with production credentials, then run a final live-readiness check.
Before announcing the new payment option to buyers, confirm:
Once Resolve Pay is live, buyers see a net terms payment option alongside your existing payment methods. The flow is designed to keep the buying experience close to the normal WooCommerce checkout process while adding the credit workflow required for B2B terms.
A new buyer typically follows this path:
Some purchases up to $25,000 may qualify for instant approval, while other applications may require additional review. Approval amounts and timing are subject to buyer verification and Resolve Pay’s credit decisioning process.
Pre-approved or returning buyers can move through checkout with less friction because their account has already been reviewed. For sellers with established B2B accounts, pre-approval can make launch smoother and help buyers use net terms without going through extra steps during their first order after rollout.
The most important difference between a basic deferred payment option and Resolve Pay is the credit workflow behind the checkout button. Resolve Pay supports buyer credit assessment, invoice funding, payment reminders, and collections management.
Resolve Pay evaluates B2B buyers using its credit workflows and underwriting process. The goal is to help sellers offer terms to qualified buyers without building a manual credit department internally.
Resolve Pay may use buyer information, business data, transaction context, and other risk signals as part of the approval process. For some qualified purchases, decisions can happen quickly. Larger or more complex applications may require additional review.
Resolve Pay provides non-recourse cash advances on approved invoices, which means the seller’s approved advance is protected if the buyer later fails to pay. This helps sellers offer terms without taking on the same level of direct default exposure that comes with a fully merchant-managed terms program.
For B2B sellers comparing net terms to invoice factoring, Resolve Pay is also positioned as a factoring alternative because it combines buyer credit workflows, upfront payment support, and collections management in one platform.
Adding net terms at checkout is only the first part of the workflow. Once orders begin flowing, your finance team also needs clean invoice data, payment status visibility, and reconciliation support.
Resolve Pay supports integrations across ecommerce, ERP, and accounting systems so sellers can connect their checkout payment flow to back-office finance operations.
Resolve Pay supports integrations with systems such as:
For sellers currently exporting orders from WooCommerce, creating invoices manually, and tracking collections in spreadsheets, this connection can reduce the amount of back-office work attached to each net terms order.
Accounting and ERP connections are easiest to plan before live orders accumulate. If the integration is delayed until after several invoices are open, the finance team may need to clean up historical records, match transactions manually, or reconcile duplicate data.
During sandbox testing, confirm how Resolve Pay will interact with your accounting system, invoice structure, and receivables workflow. This helps your team launch with a cleaner process from the first live order.
WooCommerce net terms setup is manageable, but a few issues can create unnecessary launch delays.
The current Resolve Pay WooCommerce plugin requires Classic Checkout. If your store uses Checkout Blocks, the payment option may not appear as expected. Review the Checkout Block documentation and switch to Classic Checkout before testing Resolve Pay.
Sandbox tests should use a valid U.S. address and phone number. Placeholder information can create testing errors that look like configuration problems.
Processing orders in WooCommerce can update order status in the Resolve Pay dashboard, but some actions may need to be handled directly in Resolve Pay as well. Review order management steps before launch so your operations team knows how to handle captures, cancellations, refunds, and partial refunds.
Net terms orders create finance activity after checkout. Connect your accounting or ERP workflow early so invoice records, payment activity, and reconciliation steps do not pile up manually.
If you already have established B2B customers, pre-approving them before launch can reduce checkout friction. This makes the new net terms option feel like a natural extension of your existing buyer relationship.
For WooCommerce sellers, adding net terms should not stop at placing a deferred payment option on the checkout page. A sustainable B2B net terms program also needs buyer credit evaluation, cash flow support, collections workflows, and accounting reconciliation.
Resolve Pay is built for that complete workflow. It helps qualified WooCommerce sellers offer net terms at checkout while supporting credit decisions, upfront payment on approved invoices, non-recourse risk protection, buyer payment workflows, and back-office integrations. For manufacturers, distributors, wholesalers, and B2B ecommerce teams, that makes Resolve Pay a strong fit when net terms are becoming a growth lever rather than a small manual exception.
If your store is ready to offer terms without adding more AR work, start by confirming Classic Checkout compatibility, preparing sandbox credentials, and connecting Resolve Pay to the systems your finance team already uses.
Net terms at WooCommerce checkout let approved B2B buyers place an order and pay later on an invoice schedule such as net 30, net 45, or net 60. WooCommerce does not provide a complete net terms financing workflow by default, so sellers need a plugin or B2B payments platform such as Resolve Pay.
The current Resolve Pay WooCommerce plugin does not support WooCommerce Checkout Blocks. Stores need to use WooCommerce Classic Checkout before installing and testing the plugin.
Resolve Pay uses credit workflows and underwriting to evaluate buyer applications. Some purchases up to $25,000 may qualify for instant approval, while other applications may require additional review. All decisions are subject to buyer verification and Resolve Pay’s approval process.
Resolve Pay supports integrations with QuickBooks Online, Xero, Sage Intacct, Oracle NetSuite, WooCommerce, Shopify, BigCommerce, Magento, and custom API-based systems. These integrations help sellers connect net terms checkout activity to accounting, ERP, invoicing, and reconciliation workflows.
For approved non-recourse advances, Resolve Pay assumes the buyer default risk tied to the approved invoice. The seller keeps the advance received from Resolve Pay, while Resolve Pay manages the collections workflow according to its process.
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.