B2B Magento Store Net Terms: Complete Setup Guide (2026)

B2B Magento store net terms let wholesale buyers place approved orders now and pay later, usually on Net 30, Net 60, or Net 90 schedules. For Adobe Commerce merchants, this is more than a checkout setting. It affects buyer approval, credit limits, cash flow, collections, reconciliation, and the way your finance team manages risk after an order is placed.

Adobe Commerce includes Company Credit for B2B accounts, which lets merchants assign credit limits and support Payment on Account. That works well when a merchant already has an internal credit review process, a clear collections workflow, and the capacity to manage outstanding balances manually. Many growing wholesalers need a more automated path because buyers expect payment flexibility while sellers still need predictable cash flow.

Resolve Pay adds that layer through embedded B2B net terms, automated credit decisions, invoice workflows, collections support, and integrations with ecommerce, ERP, and accounting systems. Instead of treating net terms as a manual finance process outside the storefront, Resolve Pay helps merchants bring credit, payments, and accounts receivable into the buying flow. This guide walks through the Magento setup path, from Adobe Commerce prerequisites to Resolve Pay configuration, sandbox testing, and go-live review.

Key Takeaways

• Adobe Commerce supports account-based credit: Company Credit lets B2B merchants assign credit limits and let approved companies purchase with Payment on Account.
• Net terms need more than checkout configuration: A scalable Magento net terms program also requires credit review, payment workflows, collections, and reconciliation.
• Resolve Pay embeds net terms into Magento: Resolve Pay adds a Pay with Net Terms option and supports buyer credit decisions, payment workflows, and receivables automation.
• B2B buyers expect flexible payment options: Digital B2B purchasing continues to grow, and net terms help Magento merchants align checkout with how wholesale buyers procure.
• Sandbox testing protects the buyer experience: Testing approved, declined, fallback payment, and order-management scenarios reduces launch risk before production.
• Resolve Pay keeps the workflow connected: Integrations with ecommerce, accounting, and ERP systems help merchants manage orders, invoices, payments, and reconciliation from one connected process.

How to Add Net Terms to a B2B Magento Store in 5 Steps

Setting up B2B Magento store net terms requires Adobe Commerce B2B capabilities and a clear net terms approach, either native Company Credit or an embedded net terms platform like Resolve Pay.

1. Choose your approach: Native Adobe Commerce Company Credit for in-house credit management, or Resolve Pay for embedded net terms, automated credit decisions, and receivables workflows.
2. Enable Adobe Commerce B2B features: In Magento Admin, go to Stores > Configuration > General > B2B Features, then enable Company, Purchase Orders, Shared Catalog, and related B2B settings as needed.
3. Install the Resolve Pay extension: Follow the Magento 2 guide to install the extension, retrieve keys, and configure Resolve Pay as a payment method.
4. Configure net terms options: Set payment method availability, order-management behavior, and the net terms experience that fits your wholesale workflow.
5. Test in sandbox mode: Validate approved buyer flow, declined buyer fallback, order placement, and order-management actions before switching to production credentials.

Why Net Terms Are Non-Negotiable for B2B Magento Stores

B2B buying has moved online at scale. Gartner has reported that a large share of B2B sales interactions now happen through digital channels, and McKinsey has found that B2B buyers are increasingly comfortable placing large orders through digital self-service when the buying experience supports their procurement process. Magento stores that serve manufacturers, distributors, wholesalers, and business buyers need checkout workflows that reflect how those buyers actually purchase.

Net terms are part of that workflow. Business buyers often expect to purchase on account, route orders through internal approval, receive invoices, and pay after goods or services are delivered. When a Magento storefront only supports immediate payment, it can create friction for accounts that already use purchase orders, invoice approvals, and scheduled payments in their own internal systems.

For wholesale suppliers, the question is not only whether buyers can pay later. It is also how the merchant will approve buyers, assign terms, manage receivables, follow up on payments, and keep accounting records accurate. That is why a Magento net terms setup should be treated as a credit-to-cash workflow, not simply a payment method.

What B2B Net Terms Mean for a Magento Store

B2B Magento store net terms are a checkout payment option that allows approved wholesale buyers to place orders immediately and pay later, typically on Net 30, Net 60, or Net 90 schedules. Unlike consumer buy now, pay later, B2B net terms are built around company accounts, credit evaluation, invoice workflows, and business procurement needs.

For Magento store operators, offering net terms for ecommerce changes the buying equation. B2B buyers routinely expect payment on account as a standard procurement requirement, especially in manufacturing, wholesale distribution, and professional services. A Magento store without a net terms option may create unnecessary friction for accounts that need invoice-based purchasing.

The operational complexity is that extending credit is a financial decision, not just a checkout configuration. Before a buyer can pay on terms, someone or something needs to assess creditworthiness, set appropriate limits, and manage follow-up after the invoice is issued. That is where the choice between native Magento B2B credit and a dedicated net terms platform becomes important to your store’s cash flow and risk exposure.

Prerequisites: What You Need Before Starting

Before adding net terms to your B2B Magento store, confirm you have the following in place:

• Adobe Commerce with B2B capabilities: Company Credit, company account management, purchase orders, shared catalogs, and related B2B workflows are Adobe Commerce B2B features, not standard Magento Open Source features.
• Adobe Commerce B2B features enabled: The Adobe Commerce B2B module must be installed and enabled before you can configure company accounts or Payment on Account workflows.
• Resolve Pay merchant account: If you are using Resolve Pay for embedded net terms, you need an active merchant account and the relevant integration credentials.
• Developer access: Magento extensions typically require access to the Magento environment, deployment workflow, cache management, and command-line tools.
• Accounting or ERP readiness: Resolve Pay supports financial tech stack integrations for ecommerce, accounting, and ERP workflows. Plan this connection before live orders arrive so reconciliation does not become a manual backlog.

Step 1: Choose Your Net Terms Approach in Magento

The first decision when configuring B2B Magento store net terms is whether to rely on Adobe Commerce Company Credit or integrate a dedicated net terms platform. This choice affects who manages credit review, how buyers are approved, how payments are tracked, and how much manual work your finance team handles.

Most B2B merchants consider native Company Credit because it is part of Adobe Commerce B2B. It can be useful when a seller already has credit policies, finance staff, and collections processes in place. Adobe explains that Company Credit lets companies purchase against a pre-approved credit line, while the merchant manages credit settings and reimbursements in the admin.

Resolve Pay supports a more connected workflow. Business credit checks help merchants evaluate buyers, while B2B net terms and accounts receivable automation help connect checkout, invoice management, payment reminders, and reconciliation.

Step 2: Enable Adobe Commerce B2B Features

Regardless of which net terms approach you choose, Adobe Commerce B2B features must be enabled before you can configure company accounts or Payment on Account workflows.

In your Magento Admin, navigate to Stores > Configuration > General > B2B Features and enable the relevant options:

• Enable Company: Activates company account management for B2B buyers.
• Enable Purchase Orders: Adds purchase order approval workflows for accounts with internal buying controls.
• Enable Shared Catalog: Lets you configure B2B-specific pricing and catalogs for different company groups or named accounts.
• Enable B2B Quote: Allows buyers to request custom pricing before placing orders.

Once Company functionality is enabled, Adobe Commerce can support B2B account workflows such as company users, company roles, purchase approvals, and Payment on Account. Adobe’s developer documentation explains that Company Credit allows company members to purchase on credit using the Payment on Account method, while the seller allocates and manages the credit limit.

After saving your B2B configuration, flush the configuration cache:

php bin/magento cache:flush

If your store runs on managed cloud hosting, follow your hosting provider’s cache invalidation and deployment process.

Step 3: Install the Resolve Pay Net Terms Extension

With Adobe Commerce B2B features enabled, the next step is installing the Resolve Pay extension. It adds a Pay with Net Terms payment option to Magento checkout and connects the order flow to Resolve Pay’s net terms workflow.

Resolve Pay’s Magento 2 documentation outlines the main integration steps:

• Install the extension for Magento 2.
• Retrieve the required keys.
• Configure Resolve Pay as a payment method.
• Review order-management functions.
• Test the integration.
• Go live with Resolve Pay.

After installation, navigate to your Magento payment method settings and configure Resolve Pay using the credentials from your Resolve Pay account. Use sandbox credentials first so your team can test the buyer journey without affecting live transactions.

The Adobe Commerce Marketplace listing for Resolve Pay confirms that the extension lets B2B merchants offer Net Terms in checkout and supports redirect or secure iFrame modal flows during the buyer experience.

Step 4: Configure Net Terms Options and Order Management

Once the extension is installed and credentials are entered, configure the payment method and order-management behavior that fit your wholesale business.

In the Resolve Pay payment method settings and merchant dashboard, review:

• Payment method availability: Decide which stores, websites, or customer groups should see Pay with Net Terms.
• Checkout display: Confirm where Pay with Net Terms appears relative to your other payment methods.
• Buyer application flow: Make sure the buyer application or login flow is clear during checkout.
• Term availability: Configure the net terms options available through Resolve Pay, such as Net 30, Net 60, or Net 90, based on program settings and buyer approval.
• Order-management actions: Review how authorization, order updates, cancellations, refunds, and related Magento actions are handled through the Resolve Pay integration.
• Accounting sync: Connect your accounting or ERP workflow so invoices, payment records, and reconciliation do not require duplicate manual entry.

Within Resolve Pay, merchants can also use accounts receivable automation to streamline payment reminders, collections workflows, reconciliation, and invoice visibility across receivables.

Step 5: Test Buyer Checkout in Sandbox Mode

Before switching to production credentials, test the complete buyer experience using a sandbox or staging environment. Sandbox testing helps confirm that the payment method, buyer approval flow, order placement, and fallback options behave as expected.

In your test environment, verify these scenarios:

1. A buyer selects Pay with Net Terms at checkout and the Resolve Pay flow launches correctly.
2. An approved buyer completes the net terms flow and returns to the Magento order confirmation page.
3. A buyer who is not approved for terms can still use another available payment method.
4. Order data appears correctly in Magento after checkout.
5. Order-management actions behave correctly after the order is placed.
6. Accounting or ERP records sync as expected, if those integrations are enabled.

When sandbox testing is complete, follow Resolve Pay’s go-live process and replace sandbox credentials with production credentials only after your configuration has been reviewed and approved for launch.

What Buyers Experience at Magento Checkout

Understanding the buyer-side flow helps you configure your store correctly and communicate the process to wholesale accounts.

When a buyer selects Pay with Net Terms at checkout, one of two flows may activate:

1. Redirect flow: The buyer is taken to Resolve Pay to log in, complete the required steps, and confirm the net terms option. The buyer is then redirected back to your Magento store.
2. iFrame modal flow: A secure Resolve Pay modal appears over the Magento checkout. The buyer authenticates and confirms terms without leaving the storefront.

The Adobe Commerce Marketplace listing notes that buyers are either redirected to Resolve Pay or shown a secure iFrame modal, and that sensitive customer payment data is not entered into or stored on the Magento server.

Once a buyer is approved, the buyer can select the available terms and complete the order. If net terms are not available, Magento should surface other enabled payment methods so the buyer can still complete the purchase.

Common Mistakes to Avoid When Adding Net Terms

Skipping sandbox testing before launch

The most common setup error is switching to production credentials without validating the buyer flow end to end. Always test the iFrame modal, redirect flow, approved buyer scenarios, declined buyer scenarios, fallback payment methods, and order confirmation before your first live transaction.

Treating net terms as only a payment method

Net terms affect credit approval, invoicing, collections, reconciliation, and cash flow. If your team only configures checkout and ignores the downstream workflow, manual work can accumulate quickly.

Skipping ERP and accounting sync

Net terms create invoice and payment records that need to reconcile with your accounting system. Resolve Pay’s integration tools help connect ecommerce, ERP, and accounting workflows so teams can reduce duplicate entry and keep receivables cleaner.

Not providing a fallback payment method

If a buyer is not approved for net terms and your checkout does not clearly surface an alternative, you can lose an otherwise valid order. Confirm that another payment option appears automatically when net terms are unavailable.

Using native Company Credit without a credit policy

If you use Adobe Commerce Company Credit instead of Resolve Pay, define your underwriting criteria, credit-limit rules, review cadence, and collections process before enabling it. Without a defined process, credit limits and outstanding balances can become difficult to manage.

Advanced Tips for Your B2B Magento Store Net Terms

Enable the iFrame modal where appropriate

The embedded checkout experience can keep buyers on your Magento storefront throughout the net terms flow. Review the available Resolve Pay checkout options and choose the setup that best matches your buyer experience and technical environment.

Use a branded payment portal

Resolve Pay supports a branded payment portal where buyers can pay through supported methods such as ACH, wire, credit card, or check. This keeps the payment experience connected to your business while giving buyers familiar ways to pay.

Combine net terms with Magento’s B2B quote workflow

For high-value accounts, use Adobe Commerce’s Request for Quote workflow alongside Resolve Pay net terms. Buyers can negotiate pricing through RFQ, then finalize the approved quote at checkout using Pay with Net Terms where available.

Connect Resolve Pay to your ERP or accounting system

Resolve Pay integrates with common ecommerce, ERP, and accounting systems, including Magento 2, QuickBooks Online, Xero, Sage Intacct, NetSuite, Shopify, BigCommerce, WooCommerce, and custom API workflows. For Magento stores processing significant order volume, this connection helps reduce manual reconciliation across your finance team.

For a broader view of how Resolve Pay integrations work across ecommerce platforms, accounting tools, ERPs, and custom systems, the integrations page covers the full platform landscape.

How Resolve Pay Supports B2B Magento Net Terms

For B2B Magento merchants, Resolve Pay turns net terms into a connected credit-to-cash workflow. Instead of separating buyer approval, checkout, invoice management, payment reminders, and reconciliation across disconnected tools, Resolve Pay brings those workflows into one B2B payments platform.

Resolve Pay is especially useful for merchants that want to:

• Offer Net 30, Net 60, or Net 90 options to approved buyers.
• Add Pay with Net Terms to Magento checkout.
• Automate buyer credit decisions and reduce manual review.
• Support upfront payment on approved invoices, subject to program terms.
• Manage invoicing, payment reminders, collections workflows, and reconciliation.
• Connect ecommerce, ERP, and accounting systems.
• Provide buyers with a branded payment experience.

Native Adobe Commerce Company Credit can still be a fit for merchants with internal credit teams and established manual processes. For merchants that want embedded credit, payment workflows, and accounts receivable automation in one platform, Resolve Pay provides a more scalable path for offering net terms through Magento.

Next Steps

Building out B2B Magento store net terms correctly follows a clear path: enable Adobe Commerce B2B features, choose the right net terms workflow, install the Resolve Pay extension, configure payment and order-management settings, test the full buyer flow in sandbox mode, and connect accounting or ERP workflows before go-live.

Resolve Pay helps Magento merchants offer embedded net terms, automate buyer credit decisions, manage receivables workflows, and support faster payment on approved invoices. For B2B suppliers that want to grow wholesale sales while keeping credit, payments, and reconciliation connected, Resolve Pay provides the infrastructure to make net terms easier to manage.

See how Resolve Pay works

Frequently Asked Questions

Does Magento support net terms out of the box?

Magento Open Source does not include Adobe Commerce B2B features such as Company Credit, company accounts, purchase orders, and shared catalogs. Adobe Commerce B2B includes Company Credit and Payment on Account workflows that let merchants extend credit to approved company accounts. For automated net terms, embedded buyer credit decisions, and receivables workflows, merchants can use a third-party platform such as Resolve Pay.

What is Adobe Commerce Company Credit?

Adobe Commerce Company Credit is a B2B feature that lets merchants assign credit limits to company accounts. Approved company buyers can purchase against that credit line using Payment on Account, and the merchant manages credit settings, outstanding balances, reimbursements, and credit activity in Adobe Commerce.

What is a B2B Magento store with net terms?

A B2B Magento store with net terms is an Adobe Commerce storefront configured to let approved wholesale buyers place orders and pay later on invoice-based terms. This usually supports business procurement workflows such as company accounts, purchase orders, credit approval, invoices, and scheduled payments.

Does Resolve Pay integrate with Magento 2?

Yes. Resolve Pay provides a Magento 2 integration documented in its Magento 2 guide and listed on the Adobe Commerce Marketplace. The integration adds Pay with Net Terms to checkout and supports order processing through Magento.

Can Resolve Pay sync with accounting or ERP systems?

Yes. Resolve Pay supports integrations with ecommerce, accounting, and ERP systems, including QuickBooks Online, Xero, Sage Intacct, NetSuite, Magento 2, BigCommerce, Shopify, WooCommerce, and custom APIs. These integrations help merchants connect checkout, invoicing, payment records, and reconciliation.

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.