How Manufacturers Can Integrate Net Terms With BigCommerce Stores

Manufacturers selling through BigCommerce stores face a common challenge when B2B customers request credit terms for larger orders instead of immediate payment. Net terms allow business buyers to receive products upfront and pay within 30, 60, or 90 days, which can significantly boost sales and enable geographic expansion. Manufacturers can integrate net terms with BigCommerce stores through specialized payment solutions that handle credit approval, risk management, and collections while connecting directly to their ecommerce platform.

The integration process involves connecting third-party net terms providers with BigCommerce through API integrations that sync customer data, product offerings, and order information. This setup enables manufacturers to offer flexible payment options without taking on the financial risk of extending credit directly. BigCommerce empowers B2B sellers with tools designed for complex pricing structures and payment terms that manufacturers need.

Modern net terms solutions eliminate the manual work of credit checks and payment collection while providing real-time credit decisions during checkout. Manufacturers and distributors benefit from increased order values and faster sales cycles when they remove payment friction for business customers.

Key Takeaways

• Net terms integration allows manufacturers to offer credit terms while third-party providers handle all credit risk and collections
• API connections between payment solutions and BigCommerce automate credit approvals and sync order data in real-time
• Manufacturers typically see higher order values and improved customer retention when offering flexible payment options to B2B buyers

Benefits Of Integrating Net Terms Into BigCommerce

Net terms integration transforms BigCommerce stores into powerful B2B platforms that match traditional wholesale expectations. Manufacturers gain competitive advantages through improved payment flexibility, better buyer relationships, and automated processes that reduce manual work.

Improved Cash Flow For Manufacturers

Net terms create predictable revenue streams that help manufacturers plan operations more effectively. Instead of waiting for buyers to secure upfront payment approval, orders process immediately with payment scheduled 30 to 90 days later.

This approach reduces order abandonment rates significantly. B2B buyers often need internal approval for large purchases, which can take weeks with traditional payment methods.

Cash flow benefits include:

• Faster order processing without payment delays
• Reduced accounts receivable management overhead
• Better working capital planning with scheduled payments
• Lower customer acquisition costs through easier onboarding

Manufacturers can also offer early payment discounts to encourage faster collection. For example, 2/10 net 30 terms provide a 2% discount if paid within 10 days.

Net terms allow buyers and sellers to optimize cash flow by creating structured payment schedules that work for both parties. The key is setting appropriate credit limits and monitoring payment performance consistently.

Enhanced Buyer Experience In Wholesale Transactions

B2B buyers expect payment flexibility that matches their procurement processes. Net terms eliminate the friction of credit card limits and approval workflows that slow down purchasing decisions.

Wholesale customers can place larger orders without hitting credit card restrictions. This is especially important for industrial buyers who need substantial inventory replenishments.

Key buyer experience improvements:

• Simplified ordering: No credit card required at checkout
• Higher order values: Buyers can purchase without immediate payment constraints
• Professional invoicing: Traditional B2B payment processes maintained
• Flexible payment scheduling: Terms that match buyer cash flow cycles

BigCommerce's customer group functionality allows manufacturers to assign different payment terms based on buyer creditworthiness. New customers might start with net 15 terms while established buyers get net 60.

Custom payment terms for B2B subscriptions create recurring revenue opportunities that traditional payment methods cannot support effectively.

Streamlining Payment And Order Processes

Net terms integration automates many manual tasks that typically slow down B2B transactions. Orders flow directly into ERP systems with proper payment terms attached, eliminating data entry errors.

BigCommerce can sync customer payment terms with accounting software like NetSuite or QuickBooks. This creates seamless workflows from order placement to invoice generation.

Process automation benefits:

• Automatic credit checking: Orders held if credit limits exceeded
• Invoice generation: Automatic creation with proper terms
• Payment tracking: Integrated aging reports and collection workflows
• ERP synchronization: Real-time data sharing between systems

The platform's API-first architecture supports complex payment workflows that consumer-focused systems cannot handle. Manufacturers can customize approval processes, credit applications, and payment routing.

Staff time previously spent on manual order processing and invoicing gets redirected to sales and customer service activities that drive growth.

How Resolve Simplifies Net Terms For Manufacturers

Resolve's B2B net terms platform handles credit decisions in seconds and provides immediate working capital while integrating directly with existing business systems. The platform eliminates traditional barriers that prevent manufacturers from offering flexible payment terms to customers.

Automated Credit Checks And Buyer Underwriting

Resolve performs instant credit assessments on potential buyers without requiring manufacturers to manage the underwriting process. The platform evaluates customer creditworthiness using real-time data and proprietary algorithms.

Qualified buyers receive approval within seconds during checkout. This speed eliminates delays that typically occur with manual credit reviews.

The system continuously monitors buyer credit profiles throughout the relationship. Manufacturers receive alerts about changes in customer financial health before problems arise.

Key automation features include:

• Real-time credit scoring algorithms
• Automatic buyer qualification updates
• Risk threshold customization by manufacturer
• Integrated fraud detection protocols

This automation removes the burden of credit management from manufacturing teams. Staff can focus on production and sales instead of payment collection activities.

Instant Working Capital Without Bank Involvement

Resolve provides immediate payment to manufacturers once orders ship, regardless of net payment terms offered to buyers. This approach maintains steady cash flow without traditional financing requirements.

Manufacturers receive funds typically within 24-48 hours of shipment confirmation. The timing supports consistent working capital needs for inventory purchases and operational expenses.

The platform assumes collection responsibility from buyers after payment to manufacturers. This transfer eliminates accounts receivable management from internal processes.

Working capital benefits:

• Payment speed: Funds available within 1-2 business days
• Credit limits: Up to $10 million per buyer relationship
• Term flexibility: 30, 60, or 90-day options available
• Collection handling: Full buyer payment responsibility transfer

Supply chain finance solutions help manufacturers convert extended payment terms into immediate cash availability.

Seamless Plug-In With E-Commerce Carts And ERPs

The Resolve platform connects directly with BigCommerce stores through pre-built integrations. Customers select "Pay with Net Terms" alongside standard payment options during checkout.

Installation requires minimal technical expertise and typically completes within hours. The system automatically synchronizes order data between platforms.

ERP integration supports NetSuite, QuickBooks, and other major business management systems. Financial data flows automatically between Resolve and existing accounting workflows.

Integration capabilities:

The credit management platform maintains data synchronization across all connected systems. Order status, payment tracking, and customer information update automatically in real-time.

Steps To Set Up Net Terms On BigCommerce Stores

Setting up net terms requires connecting your store to a payment platform, establishing specific payment windows for different buyer types, and implementing seamless checkout experiences. These steps enable wholesale retailers to offer flexible payment options while maintaining automated credit management.

Connecting Your BigCommerce Store To Resolve

Manufacturers need to establish the technical integration between their BigCommerce platform and their chosen net terms provider. This connection enables automatic order processing and credit management for wholesale retail transactions.

The integration process starts with installing the payment app through BigCommerce's app marketplace. Most providers offer one-click installation that connects directly to your store's checkout system.

Key integration steps include:

• Installing the payment app from BigCommerce marketplace
• Configuring API credentials and webhooks
• Setting up automated order synchronization
• Testing payment flows with sample transactions

Account setup requires entering business banking information and tax details. The system needs this data to process payments and generate invoices for buyers.

Integration typically takes 24-48 hours for approval and activation. During this time, the provider reviews business credentials and sets up the technical infrastructure needed for processing net terms payments.

Configuring Term Lengths For Buyers (30-, 60-, 90-Day)

Payment term configuration allows manufacturers to set different credit windows based on buyer relationships and order volumes. Most businesses start with standard 30-day terms and extend longer periods for established customers.

Common term length structures:

Term assignment can be automated based on customer tags, order history, or manual approval processes. Many manufacturers use customer groups to automatically apply appropriate payment terms.

Setting up payment rules involves creating conditions like minimum order amounts or specific product categories. These rules ensure net terms only appear for qualifying transactions.

Enabling White-Label Checkout And Payment Portals

White-label solutions maintain brand consistency throughout the entire payment process. Buyers see the manufacturer's branding rather than third-party payment company logos during checkout and account management.

The checkout customization includes adding company logos, color schemes, and custom messaging. This creates a seamless experience that reinforces brand identity during the purchase process.

Payment portals allow buyers to view outstanding invoices, payment history, and account status. These self-service tools reduce administrative workload while providing transparency for wholesale retailers managing multiple orders.

Portal features typically include:

• Invoice viewing and payment options
• Order history and tracking
• Credit limit and available balance
• Automated payment scheduling

Custom domain setup enables the payment portal to use the manufacturer's website address. This technical configuration requires updating DNS records and SSL certificates to maintain security standards.

Portal integration connects with existing customer service tools and accounting systems. This ensures payment data flows seamlessly into business operations without manual data entry or reconciliation processes.

Risk Management And Credit Protection Strategies

Manufacturers extending credit through BigCommerce face significant financial exposure that requires structured protection mechanisms. Modern solutions address these risks through non-recourse frameworks and automated default handling processes.

Non-Recourse Structure And Offloading Credit Risk

Non-recourse credit structures transfer payment risk from manufacturers to specialized financial partners. This arrangement protects businesses from losses when customers fail to pay invoices.

Under non-recourse terms, manufacturers receive guaranteed payment regardless of buyer behavior. The financial partner assumes responsibility for collecting payments and absorbing any losses from defaults.

This structure provides immediate cash flow benefits. Manufacturers can recognize revenue without waiting for customer payments or worrying about collection issues.

Key advantages include:

• Predictable cash flow timing
• Reduced balance sheet risk
• Lower administrative overhead
• Protection against customer insolvency

The approach works particularly well for manufacturers with credit risk management strategies that prioritize growth over internal collections capabilities.

Handling Buyer Defaults And Non-Payment

Default management requires systematic processes that activate immediately when payments become overdue. Automated systems track payment schedules and trigger collection activities without manual intervention.

Modern platforms handle the entire default process from initial reminders to final resolution. This removes the burden from manufacturers while maintaining professional customer relationships.

Typical default handling includes:

1. Automated payment reminders at 15, 30, and 45 days
2. Escalated collection efforts through specialized teams
3. Legal action coordination when necessary
4. Account resolution and reporting

DSO improvements often result from professional collection processes. Experienced collectors achieve higher recovery rates than internal teams lacking specialized training.

The role of credit terms in managing risk becomes crucial during default situations. Clear terms provide legal foundation for collection efforts.

Benefit Of No Factoring Contracts Or Collections Calls

Traditional factoring arrangements create ongoing contractual obligations that limit business flexibility. Modern credit solutions eliminate these constraints through transaction-based structures.

Manufacturers avoid long-term commitments while maintaining access to credit facilities. Each transaction stands independently without affecting future arrangements or terms.

Benefits of contract-free structures:

• No minimum volume requirements
• Flexible usage patterns
• Easy program modifications
• Simplified termination processes

Collections calls to manufacturers become unnecessary when third parties handle all customer communications. This preserves valuable relationships while ensuring professional debt recovery processes.

Internal teams focus on core business activities rather than payment collection. The elimination of collection responsibilities reduces staff stress and improves workplace efficiency.

Leveraging API Integrations To Maximize B2B Sales

API integrations create seamless connections between credit verification systems, payment processors, and ERP platforms. These connections enable manufacturers to offer flexible payment terms while maintaining cash flow control through automated risk assessment and multi-channel payment processing.

Combining Credit Checks, Financing, And Payments

Manufacturers can integrate credit assessment APIs directly into their BigCommerce checkout process. This creates a unified system where customer creditworthiness gets evaluated in real-time during order placement.

Real-time Credit Assessment Benefits:

• Orders process faster with instant credit decisions
• Risk exposure drops through automated scoring
• Sales teams spend less time on manual approvals

The integration connects three key components: credit bureaus, financing providers, and payment processors. When customers place orders, the system automatically pulls credit data and determines appropriate net terms.

Manufacturing companies benefit from API-driven tech integration that streamlines supply chain operations. Credit decisions happen within seconds instead of days.

Payment terms adjust automatically based on credit scores. High-scoring customers receive extended terms while new buyers start with shorter payment windows.

Multi-Rail Payment Solutions For Wholesale Commerce

B2B payments require multiple processing channels to handle different customer preferences. API integrations enable manufacturers to offer ACH transfers, wire payments, credit cards, and digital wallets through a single interface.

Payment Rail Options:

• ACH/Bank Transfers: Lower fees for large orders
• Credit Cards: Immediate processing with higher costs
• Wire Transfers: Secure for international transactions
• Digital Wallets: Fast processing for smaller purchases

Each payment method connects through APIs that handle routing, processing, and reconciliation automatically. The system selects optimal payment rails based on transaction size and customer location.

Automated payment systems reduce manual processing time by up to 75%. Orders flow directly into ERP systems with payment status updates happening in real-time.

Multi-rail solutions also support partial payments and installment plans. Customers can split large orders across different payment methods while maintaining accurate accounting records.

Making 'Buy Now, Pay Later' Standard For B2B

B2B buy now, pay later options require integration between financing providers and existing payment infrastructure. APIs connect these services directly to BigCommerce checkout flows.

Manufacturing buyers expect flexible payment options similar to consumer experiences. BNPL solutions let customers receive products immediately while spreading payments over defined periods.

BNPL Integration Requirements:

• Credit assessment APIs for instant approvals
• Payment processing connections for installments
• ERP synchronization for order fulfillment
• Accounting system updates for payment tracking

The integration process involves connecting financing APIs to product catalogs and inventory management systems. B2B API integration practices ensure secure data exchange between platforms.

Digital platforms handle the complexity of payment scheduling and collection automatically. Manufacturers receive full payment upfront while customers pay in installments.

Supply chain management improves when customers have flexible payment options. Orders process faster and inventory turns over more efficiently with reduced payment friction.

Best Practices For Manufacturers Adopting Net Terms

Successful net terms implementation requires strategic optimization of checkout workflows and proactive buyer education. Proper compliance frameworks and operational procedures ensure smooth payment processing while maintaining strong customer relationships.

Optimizing Wholesale Checkout Experience

Manufacturers must streamline their BigCommerce checkout process to accommodate net terms seamlessly. The checkout flow should clearly display available payment options upfront. This prevents buyer confusion during the purchasing process.

Key checkout optimizations include:

• Pre-approved buyer recognition systems
• Automatic credit limit displays
• Real-time payment term calculations
• Simplified application processes for new buyers

Integration with customer relationship management systems enables automatic buyer verification. This reduces checkout friction for established wholesale customers. CRM systems can store approved payment terms and credit limits for each buyer account.

Manufacturers should implement dynamic payment options based on buyer profiles. First-time buyers might see net 15 terms while established customers access typical NET 30 to NET 90 terms common in manufacturing.

The checkout experience must display payment due dates clearly. Buyers need to understand exactly when payments are required to avoid late fees.

Educating B2B Buyers On Flexible Payment Options

B2B buyers often lack understanding of available net terms options. Manufacturers must proactively educate customers about payment flexibility benefits. Clear communication builds stronger customer relationships and increases order values.

Educational initiatives should cover:

• Payment term definitions and timelines
• Early payment discount opportunities
• Credit limit increase procedures
• Invoice management best practices

Customer relationship management platforms can automate educational content delivery. Manufacturers can send targeted emails explaining payment options based on buyer history and preferences.

Sales teams need training on net terms benefits and limitations. They must communicate payment flexibility as a competitive advantage during buyer negotiations. This knowledge helps close larger deals with hesitant prospects.

Documentation should explain the application process for new buyers. Many manufacturers experience lengthy approval times that frustrate potential customers. Clear expectations prevent buyer abandonment during credit reviews.

Ensuring Compliance And Smooth Operations

Manufacturers must establish robust compliance procedures for net terms programs. Proper documentation protects both parties and ensures legal enforceability. Inventory management systems need integration with payment tracking to prevent shipping delays.

Essential compliance elements:

• Written payment agreements
• Credit application procedures
• Collections protocols
• Dispute resolution processes

Inventory management systems should flag orders from buyers with overdue payments. This prevents additional shipments to customers with payment issues. Real-time payment status updates help avoid inventory allocation problems.

Automated reminder systems reduce manual collections work. Manufacturers can leverage digital underwriting processes to qualify buyers quickly while maintaining compliance standards.

Regular credit reviews ensure buyers maintain qualification standards. Monthly assessments help identify potential payment issues before they become serious problems. This proactive approach protects manufacturer cash flow.

Legal agreements must clearly define payment terms and consequences. Ambiguous language creates enforcement difficulties during collection efforts.

Why Manufacturers Should Consider Resolve For Net Terms Integration

Resolve offers manufacturers distinct advantages over traditional financing methods through next-day payments and automated credit processes. The platform eliminates lengthy bank approval cycles while providing buyers interest-free payment terms that drive larger order volumes.

Advantages Over Traditional Bank Revolvers

Traditional bank revolvers create significant barriers for manufacturers seeking flexible payment terms. Banks require extensive documentation, personal guarantees, and lengthy approval processes that can take weeks or months.

Resolve eliminates these obstacles through automated underwriting systems. Manufacturers receive instant approval decisions without submitting financial statements or waiting for credit committees.

Key advantages include:

• No personal guarantees required - Business owners avoid personal liability
• Faster approval times - Minutes instead of weeks for credit decisions
• Higher approval rates - Advanced algorithms assess risk more accurately than traditional methods
• Flexible credit limits - Automatic adjustments based on payment history and order volume

Bank revolvers also charge variable interest rates that fluctuate with market conditions. Resolve provides transparent, fixed pricing that manufacturers can predict and budget for accurately.

The platform integrates directly with BigCommerce stores through APIs. This connection automates the entire credit approval process without manual intervention from manufacturers.

Next-Day Seller Payments And Interest-Free Buyer Float

Resolve provides manufacturers immediate cash flow within 24-48 hours while offering buyers extended payment terms. This arrangement creates value for both parties in the transaction.

Manufacturers receive next-day payments regardless of customer payment terms. A manufacturer selling $50,000 worth of products gets paid immediately instead of waiting 30-90 days for customer payments.

Buyers benefit from interest-free payment terms that improve their working capital management. A customer purchasing equipment with 60-day terms essentially receives a free short-term loan worth thousands of dollars.

Payment structure benefits:

• Immediate seller payment - Cash flow within one business day
• Extended buyer terms - 30, 60, or 90-day payment options
• Zero buyer interest - No financing charges for approved terms
• Automatic collections - Resolve handles all payment follow-up

This payment float encourages larger order volumes. Buyers often increase purchase amounts when flexible terms are available, directly supporting revenue growth for manufacturers.

Encouraging Readers To Explore Resolve For Their BigCommerce Store

Manufacturers using BigCommerce can integrate Resolve's net terms solution through a simple API connection. The setup process takes minimal technical resources and begins generating results immediately.

The platform works seamlessly with existing BigCommerce workflows. Customers see payment options during checkout while manufacturers receive instant credit decisions and next-day funding.

Resolve's net terms approval process handles all compliance and regulatory requirements automatically. Manufacturers avoid the complexity of managing credit programs internally.

Implementation benefits:

• Quick integration - API setup completed in hours, not weeks
• Branded experience - Payment options display under manufacturer branding
• Real-time reporting - Dashboard tracking of all transactions and payments
• Customer support - Dedicated team handles buyer questions and issues

The combination of immediate payments and extended buyer terms creates competitive advantages that drive revenue growth. Manufacturers can offer better terms than competitors while maintaining healthy cash flow for operations.

Frequently Asked Questions

Setting up net payment terms on BigCommerce requires specific configurations and integrations to handle credit assessments, automated invoicing, and cash flow management effectively.

What are the necessary steps to set up net payment terms for customers on a BigCommerce store?

Manufacturers must first enable B2B functionality in their BigCommerce store settings. This includes creating customer groups with different payment options and credit limits.

The next step involves configuring net payment terms within the store's payment settings. Manufacturers need to define specific terms like Net 30 or Net 60 for different customer segments.

Customer approval workflows must be established. This includes setting up manual approval processes for new accounts requesting net terms and defining credit limit thresholds.

Can BigCommerce store integrations facilitate automatic credit checks for offering net terms?

BigCommerce does not provide built-in credit checking capabilities. Manufacturers need third-party integrations to perform automatic credit assessments on potential net terms customers.

Credit checking services can be integrated through custom APIs or middleware solutions. These integrations pull data from credit bureaus and business databases to evaluate customer creditworthiness automatically.

The integration typically connects to the customer registration process. When businesses apply for net terms, the system automatically triggers credit checks and returns approval decisions based on predefined criteria.

How can a manufacturer automate the invoicing and payment collection process when offering net terms through BigCommerce?

ERP integration is essential for automating invoicing workflows. Systems like NetSuite integration with BigCommerce can automatically generate invoices when orders are fulfilled and sync payment terms.

Automated payment reminders can be configured to send notifications before due dates. These systems track payment schedules and send escalating reminders for overdue accounts.

ACH payment integration allows customers to set up automatic payments. This reduces collection efforts and improves cash flow predictability for manufacturers offering net terms.

What are the best practices for managing cash flow when implementing net terms with a BigCommerce online retail platform?

Credit limit management prevents overexposure to individual customers. Manufacturers should set conservative initial limits and increase them based on payment history and business growth.

Payment tracking dashboards provide real-time visibility into outstanding receivables. These tools help manufacturers identify potential cash flow issues before they become critical.

Reserve funding strategies help maintain working capital. Some manufacturers use factoring services or lines of credit to bridge the gap between fulfillment and payment collection.

How does integrating net terms impact the customer experience on BigCommerce stores?

Customers see net terms options during checkout once their accounts are approved. The payment selection screen displays available terms like Net 30 alongside traditional payment methods.

Account dashboards show outstanding invoices and payment history. Customers can view due dates, payment status, and download invoices directly from their account portal.

Self-service payment options reduce friction for B2B buyers. Customers can make payments online, set up automatic payments, and access payment history without contacting customer service.

What third-party apps or services are recommended for efficient net terms integration with a BigCommerce store?

Credit management platforms integrate with BigCommerce to handle credit applications and monitoring. These services typically include credit bureau connections and automated decision engines.

Accounting software integrations streamline invoice generation and payment tracking. Popular options include QuickBooks, Xero, and enterprise ERP solutions that sync with BigCommerce order data.

Payment processing services that specialize in B2B transactions offer ACH processing and payment portal functionality. These integrate with BigCommerce to provide seamless payment experiences for net terms customers.

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.