Manufacturers using Magento (now Adobe Commerce) can offer net terms payment options to B2B customers through specialized integration solutions that connect payment processing directly to their eCommerce platform. Net terms integrations allow manufacturers to provide 30, 60, or 90-day payment terms while receiving immediate payment, improving cash flow and customer relationships simultaneously.
The integration process involves connecting third-party payment providers with Adobe Commerce web API framework to create seamless checkout experiences for business buyers. This setup enables manufacturers to compete more effectively in B2B markets where extended payment terms are often expected rather than optional.
Modern net terms solutions handle credit assessments, risk management, and collections automatically while maintaining the white-label experience customers expect. Resolve Net Terms for Magento represents one such solution that processes payments without storing sensitive customer data on merchant servers.
Manufacturers gain three key advantages when implementing net payment terms: better cash flow control through predictable payment schedules, improved customer relationships with flexible payment options, and reduced operational risks from manual collection processes.
Net terms integration transforms how manufacturers handle payment cycles in their Magento stores. Instead of waiting 30-60 days for payments while manually tracking invoices, automated systems provide real-time visibility into outstanding balances.
Manufacturers can set different payment terms for each customer based on their credit history. A long-term client might receive NET 45 terms, while newer customers get NET 15 arrangements.
Automated payment tracking eliminates spreadsheet management. The system sends payment reminders before due dates and flags overdue accounts immediately.
Cash flow forecasting becomes more accurate with digital payment schedules. Manufacturers can predict monthly revenue based on confirmed orders and established payment timelines.
Magento's flexible product management capabilities support complex pricing structures needed for different net term arrangements. Volume discounts and customer-specific pricing integrate seamlessly with payment terms.
B2B buyers expect payment flexibility similar to their consumer shopping experiences. Net terms meet this demand while maintaining professional transaction standards.
Buyers can place larger orders without immediate cash outlay concerns. A manufacturing client ordering $50,000 in equipment can proceed knowing payment is due in 30 days rather than immediately.
Order approval workflows speed up purchasing decisions. Procurement teams can approve orders knowing payment timing aligns with their budget cycles.
Mobile-friendly payment portals let buyers manage invoices from any device. They can view payment schedules, download invoices, and submit payments during business travel.
The ecommerce experience remains consistent whether buyers pay immediately or select net terms. Product catalogs, pricing, and checkout processes work identically for both payment methods.
Manual accounts receivable processes create multiple failure points that automated net terms eliminate. Paper invoices get lost, email reminders go to spam folders, and follow-up calls consume valuable staff time.
Automated dunning sequences handle collections systematically. The system sends gentle reminders at 7 days past due, firm notices at 15 days, and escalation warnings at 30 days overdue.
Credit decisions become data-driven rather than relationship-based. Adobe Commerce's analytical capabilities help manufacturers identify payment patterns and adjust terms accordingly.
Scalability improves dramatically with digital processes. A manufacturer can manage 100 net term customers as easily as 10 customers using the same automated workflows.
Documentation becomes automatic with digital records. Every payment reminder, term modification, and customer communication gets logged for future reference or dispute resolution.
Modern B2B manufacturers need automated payment processing that handles complex credit terms while maintaining seamless checkout experiences. Adobe Commerce provides advanced integration capabilities that support multi-rail payment systems for sophisticated manufacturing operations.
Net terms solutions eliminate manual credit checks and approval workflows during checkout. The system automatically verifies buyer creditworthiness in real-time without requiring human intervention.
Automated Credit Decisions:
Adobe Commerce supports these automated processes through its flexible API framework. The platform handles complex B2B scenarios like bulk ordering and contract pricing.
Manufacturers benefit from reduced order processing time. Sales teams spend less time on administrative tasks and more time building customer relationships.
The automated system maintains detailed audit trails for compliance purposes. This documentation proves essential for financial reporting and regulatory requirements.
Net terms payment options appear directly in the Adobe Commerce checkout flow alongside traditional payment methods. Customers select net terms just like they would choose credit card or ACH payments.
Integration Features:
The integration preserves existing cart functionality while adding B2B payment capabilities. Customers can combine different payment methods for partial payments or split orders.
Adobe Commerce's modular architecture supports custom payment integrations without disrupting core functionality. This flexibility allows manufacturers to maintain their existing workflows.
Order data flows seamlessly between the e-commerce platform and accounting systems. This eliminates duplicate data entry and reduces processing errors.
Net terms solutions support multiple payment processing routes to optimize approval rates and transaction costs. The system automatically routes transactions based on buyer profile and order characteristics.
Payment Rails Include:
Each payment rail offers different approval criteria and processing speeds. The system selects the optimal route based on factors like order size, buyer history, and risk assessment.
Manufacturers gain access to previously unavailable customer segments. Smaller buyers who lack established credit can still access net terms through alternative funding sources.
The multi-rail approach reduces payment failures and abandoned carts. If one payment method declines, the system automatically tries alternative options before requiring manual intervention.
This redundancy ensures consistent cash flow for manufacturing operations that depend on predictable payment cycles.
Resolve transforms traditional net terms into immediate cash flow through automated underwriting and non-recourse financing. The platform processes buyer credit decisions in minutes while providing manufacturers immediate payment on approved invoices.
Resolve's automated underwriting system evaluates buyer creditworthiness within minutes using machine learning algorithms. The platform analyzes credit bureau data, payment histories, and financial statements without manual intervention.
Key underwriting components include:
Traditional underwriting takes 3-5 business days. Resolve completes the same evaluation process in 2-15 minutes through automated systems.
The technology removes human bias and provides consistent approval criteria. Manufacturers receive instant decisions on which invoices qualify for financing without lengthy application processes.
Non-recourse financing eliminates manufacturer liability when customers default on payments. Resolve transfers all payment risk to their platform while providing immediate cash flow from invoices.
When customers fail to pay due to bankruptcy or credit issues, manufacturers face zero liability. This protection proves valuable for large orders where a single unpaid invoice could disrupt operations.
Risk protection benefits:
The arrangement allows manufacturers to work with new customers without extensive internal credit checks. Resolve handles all credit risk assessment and collection activities automatically.
Resolve provides instant payment options within 24-48 hours of invoice approval while offering customers flexible payment schedules. Manufacturers receive 80-90% of invoice value immediately with remaining balance paid after collection.
The platform supports multiple term structures including net 30, net 60, and net 90 payment options. This flexibility allows manufacturers to offer competitive terms without cash flow concerns.
Available payment structures:
| Term Type | Payment Timeline | Manufacturer Benefit |
|---|---|---|
| Net 30 | 30 days from invoice | Immediate cash flow |
| Net 60 | 60 days from invoice | Extended buyer terms |
| Net 90 | 90 days from invoice | Competitive advantage |
Buyers receive interest-free financing while manufacturers maintain steady working capital. The system handles all payment collection and customer communication automatically.
Modern B2B buyers expect seamless payment experiences that match their brand identity while providing flexible financing options. Interest-free payment terms combined with customizable portals create competitive advantages for manufacturers using Magento.
Embedded payment portals integrate directly into existing buyer workflows without redirecting to third-party sites. These portals maintain brand consistency by matching the buyer's visual identity and user interface standards.
The integration appears as a native feature within the buyer's procurement system. Purchase managers can access payment options, view balances, and manage terms without leaving their familiar environment.
Key portal features include:
Manufacturers benefit from faster payment processing since buyers face fewer friction points during checkout. The streamlined experience reduces cart abandonment rates common with external payment redirects.
White-label solutions allow complete customization of payment interfaces to match buyer branding requirements.
Wholesale buy now, pay later eliminates upfront payment requirements for business purchases. Buyers receive goods immediately while spreading payments across agreed timeframes.
The approval process takes minutes rather than weeks compared to traditional credit applications. Automated underwriting systems evaluate creditworthiness using real-time data and payment history.
Simplified features include:
This approach particularly benefits seasonal businesses that need inventory before peak selling periods. Manufacturers increase order volumes since buyers can purchase larger quantities without immediate cash flow impact.
The system handles payment collection automatically, reducing administrative burden for both parties.
Standard net terms provide flexibility for different business cycles and cash flow patterns. Each term length serves specific buyer needs and industry requirements.
30-day terms work best for fast-moving consumer goods and businesses with quick inventory turnover. These shorter terms provide immediate access while maintaining predictable payment schedules.
60-day terms suit seasonal businesses and those with longer sales cycles. Buyers gain additional time to convert inventory into revenue before payment obligations begin.
90-day terms accommodate complex B2B transactions and custom manufacturing orders. Extended terms help buyers manage large purchases that require longer implementation periods.
| Term Length | Best For | Payment Schedule |
|---|---|---|
| 30 days | Fast-moving goods | Monthly payments |
| 60 days | Seasonal inventory | Bi-monthly cycles |
| 90 days | Custom orders | Quarterly payments |
Manufacturers can offer multiple term options based on order size, buyer history, and industry standards. Dynamic term assignment based on purchase patterns optimizes both cash flow and buyer satisfaction.
Net terms integration requires connecting cloud platforms through Magento's REST or GraphQL APIs, modifying the checkout process to support credit applications, and establishing real-time data synchronization with existing ERP systems.
Adobe Commerce provides robust API frameworks for third-party integrations. Businesses can connect net terms platforms using REST or GraphQL Web APIs that handle customer data and order processing.
The integration process starts with creating API credentials in the Adobe Commerce admin panel. Navigate to System > Extensions > Integrations to generate access tokens and configure OAuth authentication.
Key API endpoints for net terms integration:
/V1/customers - Customer account management/V1/orders - Order creation and status updates/V1/carts - Shopping cart modifications/V1/invoices - Invoice generation and trackingCloud platforms like Oracle NetSuite require specific data mapping for credit applications. Customer information flows through the /V1/customers/me endpoint to populate credit assessment forms automatically.
Integration solutions typically use webhooks to trigger real-time updates. When customers submit credit applications, the system sends order data to the net terms provider and receives approval status within seconds.
Essential webhook events:
The checkout modification process involves creating custom payment methods and credit application forms. Adobe Commerce allows developers to extend the checkout using JavaScript mixins and PHP plugins.
Custom payment methods appear alongside credit cards and PayPal options. The payment renderer displays net terms as "Pay in 30/60/90 days" with clear credit requirements and approval processes.
Required checkout modifications:
JavaScript components handle the frontend credit application process. When customers select net terms, the system displays application forms that collect business information, tax IDs, and financial details.
The backend validation ensures only qualified B2B customers can access net terms options. Role-based permissions restrict payment methods based on customer groups and account types.
Celigo and similar platforms provide pre-built checkout components that reduce development time. These solutions include responsive forms, validation logic, and approval workflows that integrate directly with Adobe Commerce themes.
ERP synchronization maintains consistent customer and order data across all business systems. Oracle NetSuite integration requires mapping Adobe Commerce fields to corresponding ERP records for seamless data flow.
Real-time synchronization prevents order processing delays and credit limit conflicts. When customers place orders using net terms, the system immediately updates available credit balances in the ERP system.
Critical synchronization points:
Integration platforms handle complex data transformations between Adobe Commerce and ERP systems. Custom field mapping ensures product codes, pricing tiers, and customer classifications remain consistent across platforms.
Automated workflows trigger when specific integration events occur in Adobe Commerce. Credit approvals generate corresponding sales orders in NetSuite while maintaining proper accounting classifications.
Synchronization frequency options:
Error handling mechanisms prevent data inconsistencies when systems experience downtime. Queue-based processing ensures failed synchronization attempts retry automatically until successful completion.
B2B transactions require robust credit assessment protocols and real-time fraud detection systems. Payment data must comply with PCI DSS standards while meeting privacy regulations like GDPR and CCPA.
Manufacturers must implement automated credit scoring before approving net terms. This process evaluates customer creditworthiness using financial data, payment history, and business registration details.
Real-time fraud detection systems analyze transaction patterns for suspicious activity. These tools flag unusual order volumes, shipping addresses that don't match billing information, and payment attempts from high-risk IP addresses.
Key fraud prevention measures include:
Advanced systems integrate with credit bureaus to pull updated financial reports. This ensures manufacturers have current information when extending credit lines.
Machine learning algorithms improve detection accuracy over time. They learn from legitimate transactions to reduce false positives while catching actual fraud attempts.
PCI DSS compliance protects payment card data through encryption and secure storage protocols. Manufacturers handling credit cards must maintain these standards to avoid penalties and security breaches.
GDPR and CCPA regulations govern how businesses collect and process personal information. B2B transactions often involve contact details that require proper data protection measures.
Essential compliance requirements:
Customer data must be stored in approved geographic regions. European customers require data processing within EU boundaries under GDPR rules.
Regular staff training prevents accidental data exposure. Employees need clear guidelines on handling customer information and recognizing phishing attempts.
Multi-factor authentication protects admin accounts from unauthorized access. All users with payment processing permissions should enable this security layer.
Payment tokenization replaces sensitive card data with unique identifiers. This reduces the risk of data theft during transmission and storage.
Secure payment implementation steps:
Regular system updates patch known vulnerabilities before attackers exploit them. Risk management strategies should include scheduled maintenance windows for security patches.
Network segmentation isolates payment systems from other business applications. This containment strategy limits damage if one system becomes compromised.
Transaction logs provide audit trails for investigating suspicious activity. These records help identify attack patterns and improve security measures over time.
Resolve provides manufacturers with integrated credit management and payment processing specifically designed for B2B commerce. The platform addresses three critical business needs: accelerating revenue growth through accessible financing, creating competitive advantages in buyer experience, and reducing operational overhead.
Resolve integrates payments, credit, and liquidity into a unified B2B commerce infrastructure. This eliminates the traditional barriers that prevent manufacturers from offering net terms to customers.
Manufacturers can approve more buyers without taking on credit risk. The platform handles credit decisions and assumes payment responsibility, allowing companies to expand their customer base safely.
Key Growth Benefits:
The system processes applications in real-time during checkout. Buyers receive immediate decisions rather than waiting days for manual credit reviews. This speed reduces cart abandonment and captures sales that would otherwise be lost.
Manufacturers can offer same-day credit decisions through automated systems. The technology evaluates buyer creditworthiness using multiple data sources beyond traditional credit scores.
Net terms become a competitive advantage when integrated seamlessly into the purchasing process. Buyers prefer suppliers who make procurement easier and more flexible.
The Magento 2 integration adds net terms as a standard payment option during checkout. Buyers can apply for credit without leaving the purchase flow or switching between systems.
Experience Improvements:
Large enterprise buyers often require net terms to complete purchases. Without this option, manufacturers lose deals to competitors who offer flexible payment terms.
The platform maintains buyer relationships through automated communication. Payment reminders, account updates, and credit line adjustments happen without manual intervention from the manufacturer.
Traditional net terms require significant internal resources for credit analysis, collections, and accounting. Resolve eliminates these operational burdens while maintaining payment security.
The system handles all credit-related functions automatically. Manufacturers avoid hiring credit analysts, collections staff, or specialized accounting personnel for net terms management.
Operational Efficiencies:
Orders process through existing Magento workflows without additional complexity. The platform syncs payment status, order updates, and financial data with current business systems.
Cash flow improves through predictable payment timing. Manufacturers receive funds according to agreed schedules rather than waiting for buyer payments that may arrive late or require collection efforts.
Manufacturers face specific technical challenges when implementing net terms payment solutions in Magento 2. These challenges range from custom gateway development to security considerations and automation requirements.
Setting up a custom payment gateway requires creating a payment method module within Magento's architecture. Developers must first create the module structure with proper XML configuration files.
The process involves defining payment method properties in config.xml and system.xml files. These files control how the payment option appears in the admin panel and checkout process.
Payment method classes must extend Magento's AbstractMethod class. This ensures compatibility with Magento's payment processing framework and order management system.
Gateway response handlers process transaction results and update order status accordingly. Integrating payment gateways in Magento requires careful attention to API communication and error handling.
Magento's offline payment methods provide the foundation for net terms implementation. The "Check/Money Order" method can be customized to handle net terms transactions.
Custom fields must be added to capture net terms specific information like payment due dates and credit limits. These fields integrate with Magento's checkout process and order attributes.
Invoice generation requires modification to display net terms conditions and payment deadlines. The invoice template must clearly communicate payment expectations to customers.
Order status workflows need adjustment to track net terms payment cycles. This includes creating custom order statuses for pending net terms payments and overdue accounts.
Payment data encryption protects sensitive customer information during transmission and storage. Adobe Commerce security features include built-in encryption protocols for payment processing.
API authentication prevents unauthorized access to payment gateway communications. Secure tokens and API keys must be stored in Magento's encrypted configuration system.
PCI compliance requirements apply even to net terms implementations that store customer payment preferences. Regular security audits ensure ongoing compliance with payment industry standards.
Input validation prevents malicious data from entering payment processing workflows. All customer-submitted payment information requires proper sanitization and validation.
Magento 2 supports automated workflows for offline payment methods through custom modules and extensions. These automations handle order processing without real-time payment verification.
Email notifications can automatically send payment reminders and invoice updates to customers. Cron jobs schedule these communications based on payment due dates and terms.
Order status updates occur automatically based on predefined business rules. Payment confirmations can trigger inventory updates and shipping notifications.
Third-party integrations connect offline payment methods with accounting systems and ERP platforms. These connections synchronize payment data across business management tools.
Credit risk assessment requires integration with external credit scoring services or manual approval workflows. Magento's customer groups help manage credit limits and payment terms by customer tier.
Invoice management becomes complex when dealing with multiple payment terms and customer agreements. Custom invoice templates must accommodate various net terms arrangements.
Payment tracking requires additional database tables and reporting capabilities beyond standard Magento functionality. Overdue payment monitoring needs automated alert systems.
Customer account management must handle credit limits, payment history, and outstanding balances. This data influences checkout availability and order approval processes.
Braintree's standard extension focuses on immediate payment processing rather than deferred payment arrangements. Custom modifications are necessary to support net terms functionality.
Vault payment methods in Braintree can store customer payment information for future processing. This enables automatic charging when net terms periods expire.
Webhook configurations handle delayed payment processing and status updates from Braintree. These webhooks trigger order status changes and customer notifications.
Custom payment flows bypass immediate charging while maintaining Braintree's security features. Payment tokens remain valid for processing when net terms payments become due.
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.