A B2B BigCommerce store with net terms is an ecommerce setup that lets approved wholesale buyers place orders online and pay invoices later on Net 30, Net 60, or Net 90 schedules. For B2B sellers, this usually means combining BigCommerce’s commerce infrastructure with company accounts, customer-specific pricing, purchase order workflows, and a net terms financing layer that handles credit decisions, payment timing, and receivables follow-up.
Getting your B2B BigCommerce store net terms right is a fundamentally different challenge than launching a standard ecommerce site. Business buyers often place purchase orders, buy against negotiated pricing, expect account-level permissions, and need invoice-style payment workflows. BigCommerce B2B Edition supports many of those commerce needs through company management, payment method visibility controls, quote workflows, shared shopping lists, and an invoice portal. Resolve Pay adds the credit-to-cash layer: buyers can request terms at checkout while Resolve Pay manages credit assessment, collections workflows, and faster supplier payment on approved invoices.
This guide walks through every step of building a B2B BigCommerce store that handles net terms correctly: activating B2B Edition, setting up company accounts, configuring purchase order checkout, adding Resolve Pay, and connecting your accounting software. By the end, your buyers will be able to request terms through a cleaner B2B checkout flow while your finance team keeps credit, invoicing, and reconciliation connected.
This guide is for operators, ecommerce managers, and B2B founders who are:
This B2B BigCommerce store net terms guide covers eight configuration steps in sequence. You do not need custom development experience for most of them, but stores using custom checkout, Multi-Storefront, or complex ERP workflows should involve technical and finance stakeholders before launch.
Most guides stop at “enable Purchase Order as a payment method.” That is only the beginning. Building a B2B BigCommerce store with functional net terms requires solving three separate problems.
Native ecommerce checkout does not replace a structured business credit process. If your team extends terms manually, every new buyer application requires review, approval, credit limit assignment, and monitoring. For growing wholesale stores, this becomes a recurring finance and operations workload.
Resolve Pay helps address this with business credit checks and credit workflows built for B2B transactions. Qualified buyers can move through a faster approval flow while your team avoids building a manual credit function from scratch.
Enabling net terms means buyers can pay after the order instead of at checkout. That helps meet B2B buyer expectations, but it can also delay cash collection if the seller funds terms directly. A net terms financing layer helps close that gap by supporting upfront payment on approved invoices while buyers keep the payment flexibility they need.
Resolve Pay’s B2B payments platform is designed for this workflow: merchants can offer payment terms, manage receivables, and support buyer payment methods such as ACH, wire, credit card, and check through a branded payment experience.
B2B wholesale stores generate more AR complexity than standard retail checkout. Purchase orders, company accounts, invoice statuses, buyer credit decisions, partial payments, and term lengths all need to flow into accounting systems accurately.
BigCommerce provides B2B commerce infrastructure, while Resolve Pay’s ERP integrations help connect credit, invoicing, payments, and reconciliation into the finance stack.
|
Configuration |
Plan / Setup Required |
Net Terms Options |
Credit Decisions |
Supplier Cash Flow |
Credit Risk |
|---|---|---|---|---|---|
|
Native BigCommerce setup |
Standard BigCommerce setup with customer groups and PO payment method |
Basic PO workflow, manually managed |
Manual, per buyer |
Buyer pays on invoice schedule |
Seller |
|
B2B Edition manual terms |
BigCommerce B2B Edition |
Company-level purchasing and invoice workflows |
Manual, per buyer |
Buyer pays on invoice schedule |
Seller |
|
B2B Edition + Resolve Pay |
BigCommerce B2B Edition plus Resolve Pay integration |
Net terms checkout flow for eligible buyers |
Resolve Pay credit workflow |
Faster access to cash on approved invoices |
Resolve Pay manages non-recourse funded invoices |
Before building a B2B BigCommerce store with net terms, confirm you have the following in place:
|
Requirement |
Notes |
|---|---|
|
BigCommerce admin access |
Needed to manage checkout, payments, customer groups, and apps |
|
B2B Edition access, if using advanced B2B workflows |
Needed for company accounts, buyer portal capabilities, invoice management, and payment visibility controls |
|
Wholesale buyer account list |
Company name, buyer contacts, AP contacts, billing details, and current payment terms |
|
B2B-specific pricing |
Separate wholesale price lists or customer-specific pricing rules |
|
Net terms workflow decision |
Decide whether you will manage credit manually or use Resolve Pay |
|
ERP or accounting software |
QuickBooks Online, Xero, NetSuite, Sage Intacct, or another finance system |
|
Test buyer account |
Needed to validate checkout, payment visibility, and invoice workflows before launch |
A note on B2B Edition: BigCommerce describes B2B Edition as a solution for corporate account management, quoting, shared shopping lists, payment method visibility control, company address books, wholesale account applications, and invoice management through the Buyer Portal. The exact setup path depends on your BigCommerce plan, store configuration, checkout setup, and buyer workflow.
If you are weighing the investment in a more advanced B2B setup, consider the scale of digital buying behavior. McKinsey has reported that a growing share of B2B revenue now comes through digital channels and that many B2B buyers are comfortable placing large orders through self-service ecommerce. A manual approval process does not scale well when buyers expect fast, account-aware purchasing online.
B2B Edition is the foundation for advanced B2B BigCommerce store net terms infrastructure. It layers wholesale-specific functionality onto your existing BigCommerce environment, including corporate account management, quote workflows, shared shopping lists, buyer portal capabilities, invoice management, and payment method visibility controls.
To activate B2B Edition:
Once activated, B2B Edition gives your team a centralized place to manage company accounts, buyer users, quotes, invoices, and B2B-specific settings.
In B2B Edition, each wholesale customer belongs to a Company, a representation of their buying organization. A company can include multiple users such as buyers, procurement managers, AP contacts, and approvers.
B2B Edition supports role-based access control so different users at the same company can have different permissions. A procurement manager may need broader purchasing visibility, while an AP contact may need access to invoice payment details. Use roles to match how your buyers actually purchase.
BigCommerce also supports account hierarchy for more complex enterprise structures. Its Account Hierarchy feature allows up to five layers of parent-child relationships between company accounts, which is useful when a parent company, regional divisions, and individual purchasing teams need connected but distinct account access.
Customer groups are useful for pricing segmentation, but they do not fully replace company accounts, buyer permissions, approval workflows, quote workflows, or invoice visibility controls. If your wholesale program is expected to grow, set up company accounts from the beginning instead of relying only on customer groups.
B2B buyers expect pricing that reflects their volume, contract terms, and relationship with your business. BigCommerce handles wholesale pricing through price lists, customer groups, and company-level assignments.
Practical tip: Keep your pricing model simple at launch. Start with a standard wholesale tier and a preferred account tier, then add more complexity only when your buyer volume justifies it.
This is the core B2B BigCommerce store net terms checkout configuration. Without purchase order support or a terms-based payment option, buyers may be forced into card-based checkout even when their company purchasing process depends on invoices.
After this step, approved B2B buyers should see the correct payment methods at checkout based on their company profile and assigned permissions.
The Invoice Portal gives B2B buyers a central place to view and pay invoices. BigCommerce describes B2B Edition’s invoice management functionality as a way for buyers to view invoice history, filter by status or date, and make invoice payments from one central location.
The Invoice Portal improves the buyer payment experience, but it does not automatically change when your business receives cash. If you manage net terms manually, you still wait for buyers to pay on their invoice schedule. Step 6 addresses that gap with Resolve Pay.
Extending net terms from your own cash reserves means waiting for payment on every wholesale order. For many suppliers, that cash flow gap compounds as order volume grows, and managing credit approvals, payment reminders, collections, and defaults manually adds operational overhead.
Resolve Pay is a B2B payments and net terms platform built for merchants that want to offer terms while keeping credit, invoicing, collections, and receivables connected. Resolve Pay is non-recourse on approved funded invoices and is designed as a modern alternative to traditional factoring.
Resolve Pay’s BigCommerce setup should be treated as a configured checkout workflow, not just an app install.
Once configured, eligible buyers can select a net terms payment option at checkout. Qualified buyers may receive fast credit decisions, and Resolve Pay manages the connected credit, invoicing, collections, and payment workflow.
Resolve Pay’s accounts receivable automation helps finance teams streamline invoicing, reminders, payment workflows, and reconciliation across net terms, COD, and due-upon-receipt invoices.
B2B wholesale stores generate more AR complexity than retail: multiple buyers, variable term lengths, partial payments, credit limit enforcement, and volume pricing all need to flow into your books accurately. Manual entry does not scale.
Resolve Pay supports integrations across ecommerce, ERP, and accounting systems, including QuickBooks Online, Xero, NetSuite, Sage Intacct, Magento, Shopify, BigCommerce, WooCommerce, and custom API workflows.
Before making the store available to buyers, run through the complete checkout flow as a test account.
Once testing passes, notify existing wholesale buyers by email that the self-service portal is live. Include the buyer portal URL, login instructions, and a short explanation of how to request terms at checkout.
Customer groups handle pricing segmentation, but company accounts support the broader B2B workflow: buyer roles, account permissions, company-level payment visibility, quote workflows, and invoice access. Build with company accounts from day one if your wholesale program is expected to scale.
Net terms require more than a due date on an invoice. You need a way to assess buyers, approve terms, assign limits, send invoices, follow up on payment, and handle collections. A net terms financing workflow through Resolve Pay helps centralize those steps.
Purchase Order as a payment method should be restricted to approved B2B customer groups or companies. If left open to all customers, you may receive purchase orders from buyers who do not have approved terms.
Without role-based visibility, the wrong users at a company may see invoice amounts, payment history, or open balances. Configure AP-specific visibility before enabling the portal broadly.
The BigCommerce integration requires app installation, merchant account linking, checkout configuration, Cash on Delivery setup, B2B Edition compatibility settings when relevant, and test orders before go-live.
B2B Edition’s quote tools let buyers request quotes, sales teams adjust pricing, and buyers convert approved quotes into orders. This is useful for large, custom, or contract-based orders.
If you sell to large organizations with divisions, locations, and multiple purchasing teams, BigCommerce’s account hierarchy can support up to five layers of company relationships. This helps match your ecommerce setup to the buyer’s real organizational structure.
New buyers may start with shorter terms or additional reviews, while long-standing buyers with strong payment history may qualify for broader terms. Resolve Pay can help assess buyer creditworthiness rather than relying only on a blanket policy.
For sales teams, customer data is most useful when it connects across systems. Use BigCommerce and Resolve Pay integration workflows to keep customer, order, invoice, and payment context available to the teams that manage the relationship.
A B2B BigCommerce store with net terms works best when checkout, company accounts, invoice management, credit decisions, and accounting workflows are designed together.
BigCommerce B2B Edition gives merchants the commerce infrastructure needed for wholesale buyers: company accounts, payment visibility controls, invoice portal functionality, quote workflows, shared lists, and buyer permissions. Resolve Pay adds the net terms financing and receivables layer: buyer credit workflows, faster supplier payment on approved invoices, collections support, and connected AR operations.
For suppliers that want to grow a wholesale channel without turning every term order into manual finance work, the strongest setup is BigCommerce for the B2B buying experience and Resolve Pay for the credit-to-cash workflow around the transaction.
Building a B2B BigCommerce store with a net terms workflow creates a self-service wholesale channel that can support buyer credit, payment terms, invoice visibility, and AR reconciliation without adding unnecessary manual steps.
Offering Net 30, Net 60, or Net 90 should not mean letting cash flow risk slow growth. With BigCommerce and Resolve Pay configured together, buyers get the payment flexibility they expect while your team keeps credit, collections, and receivables connected.
BigCommerce supports B2B purchasing workflows such as purchase orders, payment method visibility controls, invoice management, and company account management through B2B Edition. If you want a financing layer that handles buyer credit workflows and faster supplier payment on approved invoices, Resolve Pay can be added to the checkout and receivables process.
You can enable a basic purchase order payment method on a standard BigCommerce setup, but B2B Edition is the stronger path for scalable wholesale workflows because it adds company accounts, buyer permissions, quote workflows, invoice management, and payment visibility controls.
The timeline depends on your checkout setup, B2B Edition configuration, ERP requirements, and whether you already have clean customer records. A basic Resolve Pay BigCommerce setup includes app installation, merchant account linking, checkout configuration, payment method setup, B2B Edition compatibility settings when relevant, and testing before launch.
If the invoice is funded by Resolve Pay on a non-recourse basis, Resolve Pay manages the repayment and collections workflow tied to that approved transaction. If you manage terms manually, your AR team is responsible for follow-up, collections, and any unpaid balance.
Yes. Resolve Pay can work alongside BigCommerce B2B Edition when the checkout and B2B compatibility settings are configured correctly. BigCommerce provides the B2B commerce infrastructure, while Resolve Pay supports the net terms, credit, payment, collections, and receivables workflow around eligible orders.
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.