Jul 30, 2026
Amazon Business provides purchasing tools, account controls, and invoice-based payment options for organizations buying through Amazon’s marketplace. In July 2026, Amazon reported that the platform had reached $60 billion in annualized gross sales while serving more than 11 million organizations worldwide. Eligible customers can use the invite-only Business Credit Account, formerly called Pay by Invoice, to receive standard 30-day payment terms on qualifying purchases. For B2B sellers that want to provide similar flexibility through their own sales channels, Resolve Pay offers an embedded net terms solution that combines credit decisions, invoice advancement, payment workflows, and accounts receivable automation.
Key Takeaways
- Amazon Business supports structured procurement: Organizations can create multi-user accounts, approval workflows, purchasing policies, and spending controls.
- Business Credit Account is invitation-only: Eligible Amazon Business customers may receive standard 30-day payment terms for qualifying purchases.
- Prime Business can extend payment flexibility: Approved Business Credit Account users may qualify for 45-day or 60-day terms with an eligible Prime Business plan.
- Invoice tools simplify reconciliation: Customers can view invoices, balances, payments, and allocation information from a centralized dashboard.
- Payment terms remain Amazon-specific: Business Credit Account applies to eligible purchases made through Amazon Business rather than transactions with every supplier.
- Resolve Pay supports seller-managed terms: B2B merchants can offer qualified buyers net terms through ecommerce, traditional sales, field sales, and embedded checkout workflows.
Understanding Amazon Business Accounts
An Amazon Business account is designed for companies, nonprofits, educational institutions, healthcare organizations, and government entities that purchase products for organizational use. The standard account can be created without a membership subscription and includes tools that are not available through a conventional personal shopping account.
Amazon Business reported in July 2026 that more than 11 million organizations use the platform worldwide. Its adoption reflects the demand for centralized purchasing, broad product selection, business delivery options, and organizational spend controls.
Core Amazon Business Features
Depending on account configuration and eligibility, Amazon Business customers may use:
- Multi-user purchasing accounts
- Business-only product offers and quantity discounts
- Organizational purchasing policies
- Approval workflows
- Spending limits and budgets
- Tax-exempt purchasing tools
- Order and delivery tracking
- Purchasing analytics
- Invoice and reconciliation tools
- Accounting and procurement integrations
The available features can vary by account, plan, country, and organizational structure.
Amazon Business Versus Personal Accounts
Personal Amazon accounts are primarily designed for individual shopping. Amazon Business accounts add administrative and procurement functions that help organizations control how employees purchase products.
Administrators can establish groups, assign purchasing roles, create spending limits, and route orders through designated approvers. Amazon permits approval structures with up to six approval levels, helping organizations manage purchases across departments, locations, and cost centers.
Amazon Business also supports policies that can prefer, restrict, or block certain products or sellers. These controls help finance and procurement teams guide employees toward approved purchases without requiring every order to be placed by a central purchasing department.
Creating An Amazon Business Account
Organizations can register for Amazon Business by providing basic business and contact information. Amazon may verify the organization before granting access to business features.
Information Used During Registration
Amazon may request or verify details such as:
- Legal business or organization name
- Business address
- Contact information
- Business email address
- Tax identification information
- Organization type
- Supporting business documentation
Verification requirements can vary. Amazon may use third-party business information to validate an organization, and it may request additional documents when automated verification is insufficient.
A company does not automatically receive Business Credit Account access when its Amazon Business registration is approved. Amazon evaluates eligibility for the credit account separately.
Setting Up Purchasing Controls
After registration, an administrator can organize the account around the company’s operating structure. This may include creating departments, locations, purchasing groups, or cost centers.
Administrators can then:
- Invite authorized users.
- Assign purchasing and administrative roles.
- Create spending limits.
- Design approval workflows.
- Add purchasing policies.
- Configure payment methods.
- Enter tax-exemption information when applicable.
- Connect supported accounting or procurement systems.
These controls can help reduce unapproved purchasing and improve the documentation available for reconciliation.
Amazon Business Credit Account And Pay By Invoice
Amazon renamed Pay by Invoice as Business Credit Account to reflect its broader role in purchasing, cash flow management, and reconciliation. The updated service remains an invite-only invoice payment option for eligible Amazon Business customers.
How Business Credit Account Works
Approved organizations can place eligible orders without paying at checkout. Amazon generates an itemized invoice when an order ships, and the customer pays according to the due date shown on that invoice.
The standard account provides 30-day payment terms for eligible purchases. Approved customers with qualifying Prime Business plans may receive terms of 45 or 60 days.
Business Credit Account may help organizations:
- Preserve cash until the invoice due date
- Separate business purchases from personal payments
- Consolidate purchasing records
- Track outstanding balances
- Allocate payments to invoices
- Simplify account reconciliation
- Provide purchasing access to multiple authorized users
Access, purchasing lines, payment terms, and eligible transactions remain subject to Amazon’s approval and ongoing assessment.
Invitation And Activation
Businesses cannot rely on a public application that guarantees access to Business Credit Account. Amazon assesses accounts for eligibility and notifies the account administrator when an offer becomes available.
An approved purchasing line must generally be activated within 180 days. If the organization does not activate it within that period, the line may be closed.
Amazon may reassess eligibility over time. A company that does not initially receive an invitation may become eligible later, while existing purchasing lines remain subject to Amazon’s credit decisions and account requirements.
Eligible Purchases
Business Credit Account is intended for eligible purchases made through Amazon Business. Availability can depend on the product, seller, transaction, account status, and other checkout conditions.
Organizations should confirm that Business Credit Account appears as an available payment method before relying on invoice terms for a specific order. It is not a general-purpose business line of credit that can be used with suppliers outside Amazon.
Managing Amazon Business Invoices
Business Credit Account includes a centralized invoice experience for reviewing balances, payment activity, and reconciliation information.
Invoice Frequency Options
Amazon may create an invoice for each eligible purchase or allow approved customers to use periodic invoice consolidation. Amazon’s monthly invoice option can generate a consolidated invoice on the first day of the month, depending on the account’s settings and eligibility.
Organizations should choose a frequency that aligns with their accounting process. Per-purchase invoicing provides transaction-level separation, while periodic consolidation may reduce the number of documents an accounts payable team must process.
Available Payment Methods
Payment options depend on account settings and Amazon’s current requirements. Business Credit Account users may be able to pay through supported electronic bank transfer methods or other approved payment channels displayed in the account.
Finance teams should review:
- Invoice numbers
- Shipment and order information
- Due dates
- Outstanding balances
- Payment allocations
- Credits or adjustments
- Account purchasing limits
Late or missed payments can affect account standing and future eligibility. Organizations should follow the due date and payment instructions shown on each invoice rather than assuming every purchase has identical terms.
Business Prime And Purchasing Tools
Business Prime is an optional membership that adds shipping, analytics, and procurement capabilities to an Amazon Business account. The specific features depend on the selected plan and organizational eligibility.
Amazon reported that Prime Business members saved more than $880 million in shipping fees globally during the preceding year.
Approval Workflows
Approval workflows allow administrators to define when an order needs review before it is submitted. Rules can be based on factors such as:
- Order value
- Product category
- Purchasing group
- Department
- Cost center
- User role
- Designated approver
Amazon supports up to six approval levels and multiple approvers at each level. This structure can accommodate both small teams and organizations with more complex procurement requirements.
Guided Buying
Guided Buying lets administrators steer employees toward preferred products and sellers. Policies may mark products as preferred, restricted, or blocked.
Amazon states that core Guided Buying and approval functions are available to Amazon Business customers, while additional policies may require Prime Business. The tools can support procurement compliance by making company rules visible during the purchasing process.
Spend Visibility
Amazon Business analytics can help administrators review purchasing patterns, compare departmental activity, and identify unusual transactions. Available reporting functions may include order history, category spending, user activity, and policy compliance.
These tools are most useful when account groups, approval rules, and cost-center information are configured consistently.
Amazon Business Credit Beyond Invoice Terms
Business Credit Account should not be confused with a conventional bank line of credit. It is tied to eligible Amazon Business transactions and cannot ordinarily be used to pay other vendors.
Businesses that need broader working capital may consider bank credit lines, supplier terms, commercial cards, or other financing facilities. The appropriate option depends on the company’s cash flow, time in business, credit profile, industry, and intended use of funds.
The U.S. Small Business Administration recommends maintaining accurate financial records and actively managing cash flow. Invoice terms can support cash flow timing, but they do not replace forecasting, budgeting, or responsible credit management.
For B2B merchants, the challenge is different. Their customers may request payment terms, but offering those terms internally can increase receivables, administrative work, and exposure to delayed payment. A seller-focused platform can help manage these responsibilities without confining payment flexibility to a single marketplace.
How Resolve Pay Supports B2B Sellers
Resolve Pay helps merchants, manufacturers, wholesalers, and distributors offer payment terms directly to their business customers. Its B2B payments platform combines credit management, invoicing, payments, reconciliation, and accounts receivable workflows.
Unlike a buyer account that is restricted to purchases on one marketplace, Resolve Pay is designed for sellers that want to offer terms across their own channels.
Credit Decisions And Net Terms
Resolve Pay’s business credit checks use business data, behavioral signals, AI models, and human credit expertise to support credit decisions. Sellers can use these decisions to determine which buyers qualify for terms and appropriate credit lines.
Qualified buyers may receive Net 30, Net 60, Net 90, or other approved arrangements. Decisions and limits remain subject to buyer verification and Resolve Pay’s underwriting discretion.
Resolve Pay can support transactions through:
- Ecommerce checkout
- Direct sales
- Sales representatives
- Phone and email orders
- Marketplaces
- Recurring B2B purchasing
- Hybrid online and offline channels
This allows sellers to provide a consistent payment experience regardless of where an order originates.
Invoice Advancement And Cash Flow
When a qualified customer uses approved terms, Resolve Pay may advance funds on eligible invoices. This helps the seller receive cash sooner while the buyer follows the approved payment schedule.
Advancement is non-recourse subject to applicable terms and standard exclusions. Resolve Pay manages the credit assessment, credit decision, and much of the repayment risk associated with approved transactions.
Businesses should review the specific advance structure, buyer eligibility, exclusions, and settlement terms during implementation.
Accounts Receivable Automation
Resolve Pay’s accounts receivable automation supports the invoice-to-payment process. The platform can help teams:
- Create and manage invoices
- Send payment reminders
- Track outstanding receivables
- Coordinate collection workflows
- Reconcile incoming payments
- Manage different invoice structures
- Provide customers with a branded payment portal
Its agentic collections capabilities use AI-supported workflows to coordinate reminders and collection activities. This can reduce repetitive administrative work while preserving appropriate communication with buyers.
Payments And Integrations
Buyers can use supported payment methods such as ACH, wire transfer, credit card, or check through a branded portal. Resolve Pay also provides payment integrations for ecommerce, accounting, and ERP environments.
Supported systems include platforms such as QuickBooks Online, Xero, NetSuite, Sage Intacct, Shopify, BigCommerce, Magento, and WooCommerce. Integration availability and implementation requirements depend on the seller’s technology stack.
Resolve Pay’s net terms management brings credit checks, invoicing, reminders, payments, and collections into a centralized workflow. This makes it suitable for B2B sellers that want to extend terms while maintaining visibility over cash flow and receivables.
Conclusion
Amazon Business Account gives organizations useful purchasing controls, invoice management, and access to 30-day payment terms through the invite-only Business Credit Account. Eligible Prime Business users may receive longer approved terms, but the purchasing line remains tied to qualifying transactions within Amazon Business.
Resolve Pay serves the seller side of the B2B transaction. It enables businesses to offer approved net terms through their own sales channels while combining credit decisions, non-recourse invoice advancement, accounts receivable automation, collections workflows, payments, and integrations. For merchants that want to increase buyer purchasing power without building an internal credit and receivables operation, Resolve Pay provides a more comprehensive embedded B2B payment infrastructure.
Frequently Asked Questions
Can Resolve Pay Be Used To Offer Net Terms Outside An Online Store?
Yes. Resolve Pay can support ecommerce, traditional sales, field representatives, marketplaces, and hybrid purchasing workflows. Qualified buyers can receive approved payment terms even when transactions do not originate through an online checkout.
Does Resolve Pay Make Buyer Credit Decisions?
Resolve Pay uses business data, AI-supported analysis, behavioral signals, and human credit expertise to evaluate buyers. Credit decisions and purchasing limits are subject to verification and underwriting approval.
How Quickly Can Sellers Receive Funds From Resolve Pay?
Resolve Pay can advance funds on approved invoices, allowing sellers to receive payment sooner than the buyer’s scheduled due date. Exact timing depends on approval, invoice eligibility, processing requirements, and the seller’s arrangement with Resolve Pay.
Does Resolve Pay Handle Accounts Receivable Workflows?
Yes. Resolve Pay can support invoicing, payment reminders, reconciliation, customer payment portals, collections workflows, and receivables reporting. These tools help finance teams manage net terms without relying entirely on manual processes.
Which Payment Terms Can Resolve Pay Support?
Resolve Pay can support approved Net 30, Net 60, Net 90, and customized arrangements based on the seller’s program and the buyer’s credit decision. Available terms and limits vary according to underwriting and buyer verification.
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.
