Amazon Pay by Invoice is now called the Amazon Business Credit Account, an invite-only payment option that gives approved Amazon Business customers standard 30-day terms and eligible Prime Business members access to longer terms upon approval. B2B sellers can provide similar purchasing flexibility through modern net terms solutions that combine buyer credit decisions, non-recourse advances, invoicing, payment processing, and accounts receivable automation.
Net payment terms establish how long a business buyer has to pay an invoice after a defined billing event. Net 30 generally means payment is due within 30 days, while Net 60 and Net 90 provide longer payment windows.
The exact starting point should be clearly stated in the agreement. A term may begin on the invoice date, shipment date, delivery date, or another agreed date.
Net terms can support several business goals:
The U.S. Small Business Administration explains that Net 30 supplier accounts can help businesses conserve cash by allowing them to obtain necessary products or services before payment is due.
Business buyers often need to pay employees, replenish stock, complete customer projects, and cover transportation costs before receiving revenue from their own customers. Net terms help align supplier payments with that operating cycle.
However, the arrangement affects buyers and sellers differently. Buyers receive additional time to pay, while sellers carry an account receivable until payment arrives. The seller must continue funding its operations during that period.
Cash-flow planning is therefore essential. The SBA finance guide recommends monitoring incoming and outgoing funds and using cash-flow projections to understand future capital needs.
Amazon’s former Pay by Invoice program is now called Business Credit Account. It is an invite-only credit line for eligible Amazon Business customers.
Approved customers generally receive standard 30-day terms for eligible purchases. Eligible Prime Business members may apply for extended terms:
The program is designed for purchases made through Amazon Business. It is not a general payment facility that buyers can use with unrelated suppliers.
Amazon evaluates eligible Amazon Business accounts for a Business Credit Account purchasing line. When an offer is made, the administrator receives instructions for activating the account.
After activation:
Available credit limits, payment terms, and purchasing eligibility can vary by account.
Amazon Business Credit Account includes tools for managing purchases and invoices within the Amazon Business environment. Depending on account configuration, organizations can:
Supported remittance methods may include ACH direct debit, electronic funds transfer, wire transfer, and check, depending on the account and invoice instructions.
When a seller gives a buyer 30 or 60 days to pay, the seller is effectively funding the interval between fulfillment and collection.
During that period, the seller may still need to pay for:
Rapid sales growth can increase this pressure. A company may be profitable on paper while experiencing a cash shortage because a large share of its revenue remains in accounts receivable.
The Federal Reserve’s trade credit data tracks the substantial role that trade receivables and trade payables play across the economy.
Before offering terms, a seller must decide whether a buyer is likely to pay and how much credit to extend. Traditional underwriting may involve:
A credit approval is not a guarantee of payment. Sellers also need procedures for reviewing credit limits and responding to changes in buyer behavior.
The Federal Reserve’s Small Business Credit Survey illustrates the range of financing conditions and credit experiences affecting small businesses. These conditions can change over time, making ongoing credit review important.
A net terms program also creates ongoing operational work. Teams must issue accurate invoices, record payments, investigate deductions, follow up on overdue balances, and reconcile transactions with accounting records.
Without a structured system, common problems include:
An automated AR platform can centralize these workflows and reduce repetitive administrative work.
Independent B2B sellers do not need to operate a large marketplace to offer a professional credit experience. They can make net terms available through:
Resolve Pay helps merchants offer B2B payment terms across online and offline channels while keeping the seller’s brand and customer relationship at the center of the experience.
A written credit policy helps sales, finance, and customer service teams make consistent decisions. The policy should define:
Terms should appear consistently on quotes, orders, invoices, credit agreements, and buyer portals.
Some businesses use shorter terms or smaller credit limits for newer buyers and expand access after establishing a positive payment record. Others rely on an underwriting provider to recommend an appropriate credit line from the beginning.
The structure should reflect the seller’s margins, buyer concentration, cash position, industry, and tolerance for exposure. Longer terms may be useful for qualified buyers, but they also extend the period before the seller receives payment unless an advance program is used.
A net terms advance allows a seller to receive funds on an approved invoice before the buyer’s payment deadline. The buyer continues paying according to the agreed terms, while the seller gains earlier access to working capital.
Resolve Pay combines net terms management with credit assessment, invoicing, payments, reconciliation, and collection support. Depending on the approved buyer and invoice, Resolve Pay may advance a substantial portion of the invoice value, with some approved invoices qualifying for up to 100%.
Advance percentages and credit limits are not guaranteed. They depend on buyer verification, underwriting, invoice eligibility, and applicable program terms.
Resolve Pay’s advances are structured as non-recourse for approved transactions. This generally means Resolve Pay assumes the approved buyer’s credit-default risk rather than requiring the seller to repay the advance solely because that buyer becomes unable to pay.
Non-recourse protection does not make every invoice unconditional. Transactions must remain valid, eligible, accurate, and undisputed and must comply with the agreement. Issues such as fraud, returns, contractual disputes, misrepresentation, or invalid invoices may be treated differently.
For qualifying transactions, non-recourse advances can provide:
Resolve Pay describes its platform as a factoring alternative built around buyer credit approval and end-to-end payment workflows.
Manual credit reviews can slow down ordering, especially when sales teams need decisions before a quote or checkout session expires.
Resolve Pay’s business credit checks combine business information, data analysis, behavioral signals, and credit expertise. Qualified buyers may receive rapid decisions, while cases requiring further review may take longer.
Credit capabilities can include:
Credit decisions and line sizes remain subject to buyer verification and Resolve Pay’s discretion.
Resolve Pay can automate parts of the credit-to-cash process, including:
Its agentic collections tools support structured follow-up while allowing finance teams to focus on disputes, strategic accounts, and other cases that need human attention.
Automation should support customer relationships rather than replace judgment. Clear records, appropriate escalation rules, and professional communications remain important.
Amazon provides its purchasing and invoice experience inside the Amazon Business environment. Independent sellers can create a comparable experience under their own brand through a white-label portal.
Resolve Pay supports branded buyer experiences where customers can:
Because the portal can reflect the merchant’s brand, the seller remains the primary customer-facing business.
Resolve Pay’s payment platform supports common business payment methods, including:
Providing multiple methods can reduce payment friction because procurement and accounts payable practices vary across organizations.
A net terms program becomes easier to manage when credit, invoice, and payment information flows into the seller’s existing systems.
Resolve Pay’s financial integrations include connections with platforms such as:
Resolve Pay also provides APIs for custom ecommerce, order management, and ERP environments.
Integration can reduce duplicate entry and help keep customer, invoice, payment, and reconciliation records aligned. The exact implementation depends on the seller’s systems and workflow requirements.
For ecommerce transactions, a buyer can apply for terms within the checkout journey. Qualified buyers may receive a decision quickly enough to complete the order without leaving the merchant’s site.
Resolve Pay also supports ecommerce net terms for sellers that want to incorporate business credit into digital purchasing.
Implementation time varies. A supported integration may require relatively little development, while a custom ERP, marketplace, or proprietary checkout may require additional configuration and testing.
Amazon Business Credit Account is designed to help approved organizations purchase eligible products through Amazon Business. Resolve Pay serves a different purpose: it helps B2B merchants provide terms directly to their own customers across ecommerce, field sales, invoiced orders, and other sales channels.
Resolve Pay brings several connected capabilities into one platform:
Resolve Pay is particularly relevant for manufacturers, wholesalers, distributors, and other B2B companies that want to increase buyer purchasing power without building a full internal credit and collections department.
For independent sellers, matching that experience requires more than adding “Net 30” to an invoice. A scalable program needs reliable underwriting, appropriate credit limits, accurate invoicing, buyer-friendly payment options, reconciliation, collections, and enough working capital to support delayed payment.
Resolve Pay brings these functions together in a branded B2B payments platform. Sellers can offer approved buyers flexible terms, receive advance payment on eligible invoices, automate accounts receivable work, and connect the process with their existing commerce and accounting systems. This makes Resolve Pay a strong option for businesses that want to offer an Amazon-style purchasing experience through their own sales channels while protecting cash flow and maintaining control of the customer relationship.
Resolve Pay evaluates business buyers, recommends credit limits, supports approved net terms, manages invoice and payment workflows, and can advance funds on eligible invoices. Buyers receive additional time to pay while the seller gains earlier access to cash.
Resolve Pay provides non-recourse advances for approved and eligible transactions. This generally transfers the approved buyer’s credit-default risk to Resolve Pay, subject to the agreement. Fraud, invalid invoices, returns, disputes, misrepresentation, and other ineligible circumstances may be handled differently.
Resolve Pay may support Net 30, Net 60, Net 90, or other approved arrangements. Available terms and credit limits depend on the buyer, transaction, underwriting decision, and merchant program.
Resolve Pay supports integrations with QuickBooks Online, Xero, NetSuite, Sage Intacct, Shopify, BigCommerce, Magento 2, and WooCommerce. APIs are also available for custom ecommerce, ERP, and order management systems.
Timing depends on the seller’s technology and workflow. Supported ecommerce integrations may be implemented quickly, while custom APIs, ERP configurations, testing requirements, and internal approval processes can extend the timeline.
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.