Net Terms at Checkout on BigCommerce: Setup Guide (2026)

If your wholesale buyers are abandoning checkout because you require payment in full, you're losing B2B revenue that should be easier to capture. B2B buyers often expect invoice-based payment workflows, purchase orders, and flexible terms that match internal procurement cycles. On BigCommerce, adding net terms at checkout means giving approved business buyers a way to place an order now and pay later without forcing every transaction through a card payment.

The right setup depends on how much automation, credit decisioning, and cash flow support your team needs. BigCommerce B2B Edition offers company account tools, purchase order workflows, payment visibility controls, and an invoice portal for merchants already using the B2B stack. Smaller stores can create manual net terms workflows with customer groups and offline payment methods. But for merchants that want embedded credit checks, upfront supplier payment, payment reminders, collections support, and accounting sync, Resolve Pay net terms provides a more complete B2B payments workflow inside the checkout experience.

This guide covers the practical setup paths for adding net terms at checkout on BigCommerce, including when to use BigCommerce B2B Edition, when manual customer group rules are enough, and when Resolve Pay is the better fit for scaling B2B merchants.

Key Takeaways

• Net terms fit B2B buying workflows: BigCommerce merchants add net terms so wholesale buyers can use invoice-based checkout instead of paying in full at the time of purchase.
• Resolve Pay supports embedded checkout terms: Resolve Pay helps merchants offer net 30, 60, or 90-day terms while managing buyer credit decisions, payment workflows, and collections support.
• Upfront payment protects cash flow: Resolve Pay can advance payment on approved invoices so merchants do not have to wait for the buyer’s full payment term to receive cash.
• BigCommerce B2B Edition supports PO workflows: Merchants already using B2B Edition can configure company accounts, payment visibility, purchase orders, and invoice portal access for approved buyers.
• Manual customer group rules stay lightweight: Smaller wholesale programs can use customer groups and offline payment methods, but the merchant remains responsible for credit review, invoicing, and collections.
• Accounting sync matters at scale: Connecting net terms activity into your ERP or accounting stack helps reduce manual reconciliation as B2B order volume grows.

What Net Terms at Checkout on BigCommerce Means for Your Store

Net terms at checkout on BigCommerce is a B2B payment option where approved buyers select “pay by invoice,” “purchase order,” or “pay with net terms” during checkout. Instead of paying by card immediately, the buyer receives goods or services and pays by the agreed due date, such as Net 30, Net 60, or Net 90.

For B2B buyers, net terms match how procurement teams already work. Wholesale purchasers, manufacturers, distributors, government buyers, and enterprise teams often rely on purchase approvals, invoice routing, and accounts payable cycles rather than immediate card payment. Offering terms can make your BigCommerce checkout feel more aligned with the way these buyers purchase.

For B2B merchants, the challenge is operational. Extending terms means you need to answer several questions:

• Who is eligible for terms?
• How much credit should each buyer receive?
• Who tracks invoices and payment due dates?
• What happens if a buyer pays late?
• How does payment activity sync back into accounting?

Resolve Pay is built for this credit-to-cash workflow. It combines B2B payments, buyer credit assessment, net terms, invoicing, payment reminders, collections workflows, and integrations into a single platform for merchants that want to offer terms without building the entire process manually.

B2B ecommerce continues to grow as a core sales channel. U.S. B2B ecommerce sales were projected to reach $2.641 trillion in 2024, while the U.S. Census Bureau’s E-Stats program continues to track ecommerce activity across major sectors of the economy. For BigCommerce merchants, the practical takeaway is clear: as more B2B buying moves online, checkout needs to support how business buyers actually pay.

Why BigCommerce Merchants Add Net Terms at Checkout

BigCommerce merchants add net terms to reduce B2B checkout friction, support purchase order workflows, and grow wholesale order volume without turning every transaction into a manual AR project.

Checkout abandonment

Wholesale buyers often abandon checkout when credit card payment is the only option. A buyer placing a large inventory order may need internal approval, a PO number, invoice routing, or AP processing before payment can be released. Net terms give that buyer a checkout path that fits their normal purchasing process.

Competitive B2B buying expectations

Many B2B buyers expect invoice-based purchasing as a standard option. A merchant that sells to distributors, contractors, retailers, manufacturers, or enterprise procurement teams may lose orders if the checkout experience only supports consumer-style payment methods.

Cash flow timing

Manual net terms can create a cash flow gap. The merchant ships the order now but receives payment later. Resolve Pay helps close that gap by advancing payment on approved invoices while the buyer pays on the agreed term.

Credit and collections workload

Offering terms internally means the merchant needs to review buyer credit, set limits, send invoices, follow up on due dates, and manage late payments. Resolve Pay’s accounts receivable automation helps streamline these workflows with credit, invoicing, reconciliation, payment reminders, and collections support.

Method 1: BigCommerce B2B Edition Built-In PO Checkout

Best for

Merchants already using BigCommerce B2B Edition who need purchase order checkout, company account controls, invoice visibility, and buyer portal functionality.

What it is

BigCommerce B2B Edition includes B2B-specific tools such as company account management, payment visibility control, purchase order support, and invoice portal functionality. BigCommerce documentation describes B2B Edition features including corporate account management, shared shopping lists, payment method visibility control, company address books, and invoice and payment management through the buyer portal.

This option is useful when your team already manages buyer relationships in BigCommerce B2B Edition and wants approved company buyers to select purchase order payment at checkout. The buyer enters PO details, places the order, and the merchant manages invoicing and collection through the B2B workflow.

Prerequisites

• Active BigCommerce B2B Edition setup
• Company accounts configured for wholesale buyers
• Buyer roles and permissions defined
• Payment method visibility configured for B2B buyers
• Internal AR process for invoicing and collection

Step-by-step: enable PO checkout in BigCommerce B2B Edition

Step 1: Access B2B Edition settings

In your BigCommerce admin, open the B2B Edition area and review the settings for company accounts, buyer roles, payment methods, and invoice visibility.

Step 2: Configure company accounts

Set up company accounts for your wholesale buyers. Assign users, roles, billing addresses, shipping addresses, and account permissions so the right buyers can place orders on behalf of the business.

Step 3: Enable purchase order visibility

Use payment visibility controls to make purchase order payment available to eligible company buyers. This keeps PO checkout scoped to approved B2B accounts rather than guest or retail visitors.

Step 4: Configure buyer invoice access

Enable the invoice portal so buyers can view invoice history, payment status, and available invoice payment options from a central account experience.

Step 5: Test the buyer workflow

Log in as a test company buyer, add items to the cart, and confirm that purchase order payment appears only for eligible accounts. Submit a test order and verify that the PO details and invoice workflow appear correctly.

Step 6: Confirm AR ownership

Decide who on your team will manage payment follow-up, reconciliation, and overdue invoices. B2B Edition supports the buyer-side workflow, but your team still needs a clear AR process unless you connect an external financing or automation layer.

What to expect

BigCommerce B2B Edition gives merchants a structured way to manage company buyers, payment visibility, and invoice access. It is a strong fit for merchants already using the B2B Edition stack. If your team also wants upfront payment, automated credit checks, and non-recourse risk support, layer Resolve Pay into the workflow through Resolve Pay integrations.

Method 2: Add Resolve Pay Net Terms to BigCommerce Checkout

Best for

B2B suppliers that want embedded net terms, automated buyer credit decisions, upfront payment on approved invoices, payment workflows, and reduced AR workload.

What it is

Resolve Pay is a B2B payments and net terms platform that helps merchants offer flexible payment terms to business buyers while improving cash flow and reducing credit risk. For BigCommerce merchants, Resolve Pay adds a “pay with net terms” workflow so eligible B2B buyers can request terms during checkout and complete purchases using approved credit.

Resolve Pay supports net terms, buyer credit decisioning, accounts receivable automation, invoicing, collections workflows, payment acceptance, and integrations across ecommerce, ERP, and accounting systems. It is designed for merchants, manufacturers, wholesalers, and distributors that want to grow B2B sales while reducing the operational burden of managing terms manually.

Prerequisites

• A BigCommerce store
• A Resolve Pay merchant account
• B2B buyer groups or company accounts identified for net terms access
• Accounting or ERP system ready for sync, if needed
• Internal approval on how terms will appear to buyers

Step-by-step: add Resolve Pay net terms to BigCommerce checkout

Step 1: Create or connect your Resolve Pay account

Start by setting up your Resolve Pay merchant account. Resolve Pay will guide the onboarding process and confirm the details needed for buyer credit checks, payment workflows, and settlement.

Step 2: Connect BigCommerce

Use Resolve Pay’s ecommerce integration workflow to connect your BigCommerce store. Resolve Pay supports BigCommerce alongside other ecommerce and accounting platforms, making it easier to connect checkout activity with back-office workflows.

Step 3: Configure checkout visibility

Decide which buyers should see net terms at checkout. Most merchants restrict the option to B2B customer groups, wholesale accounts, or company buyers. This prevents retail shoppers from selecting invoice-based payment without approval.

Step 4: Enable the buyer credit flow

Configure the Resolve Pay credit application and underwriting workflow. Approved buyers can receive access to net terms, while credit limits and terms remain subject to Resolve Pay’s verification and approval process.

Step 5: Test checkout as an approved buyer

Log in with a test B2B account and confirm that the net terms option appears in the payment step. Complete a test order and verify that the buyer experience is clear, the order routes correctly, and the transaction appears in Resolve Pay.

Step 6: Connect accounting or ERP systems

Connect your accounting system or ERP so order, invoice, payment, and reconciliation data can sync. Resolve Pay supports integrations with platforms such as QuickBooks Online, Xero, NetSuite, Sage Intacct, Magento, Shopify, BigCommerce, and WooCommerce.

Step 7: Confirm funding and reconciliation workflows

Once the workflow is live, Resolve Pay can advance payment on approved invoices while buyers pay according to their agreed terms. Your finance team can then use Resolve Pay’s dashboard and integrations to monitor payment status, reconciliation, and collections activity.

What to expect

Once live, approved B2B buyers see a net terms option during checkout. Buyers can request terms, receive a credit decision, and complete the order without moving through a separate offline process. Your team can offer terms while Resolve Pay supports credit assessment, payment workflows, collections, and reconciliation.

For merchants tracking DSO reduction, this matters because manual terms can leave cash tied up for weeks. Resolve Pay is designed to help sellers get paid faster while still giving buyers the payment flexibility they need.

Method 3: Customer Group Payment Rules for Manual Net Terms

Best for

Small B2B stores with a limited number of wholesale accounts that want a simple manual pay-by-invoice workflow.

What it is

BigCommerce customer groups let merchants segment buyers and control parts of the buying experience. A merchant can create a wholesale customer group, assign approved buyers manually, and show an offline payment method such as “Pay by invoice” or “Net 30 invoice” only to that group.

This method can work for a small number of trusted accounts, but it keeps credit review, invoicing, reminders, payment tracking, and collections inside your team.

Step-by-step: set up customer group net terms

Step 1: Create a wholesale customer group

In BigCommerce admin, create a customer group for approved net terms buyers. Use a clear internal name, such as “Approved Net Terms Buyers” or “Wholesale Invoice Buyers.”

Step 2: Assign approved buyers

Add buyers only after your team has reviewed and approved them for terms. Avoid assigning buyers automatically unless your internal credit policy supports it.

Step 3: Enable an offline payment method

Create an offline payment option with a label such as “Pay by invoice” or “Net terms invoice.” Keep the label clear so buyers understand that payment will be handled through invoice terms.

Step 4: Restrict visibility

Make the offline payment method visible only to the approved wholesale customer group. Test checkout as a guest, retail customer, and wholesale buyer to confirm visibility works correctly.

Step 5: Manage invoices manually

After an order is placed, your team creates the invoice, tracks the due date, sends reminders, collects payment, and reconciles the payment in accounting.

What to expect

Customer group rules are simple to launch but manual to manage. They can work for a small wholesale program, but they do not provide automated buyer credit decisions, upfront payment, non-recourse support, or built-in collections workflows. As order volume grows, many merchants move from manual rules to a dedicated net terms management platform.

BigCommerce Net Terms Setup Comparison

What Buyers See When You Add Net Terms at Checkout

With Resolve Pay

Approved buyers see a net terms payment option during checkout. They can apply for or use approved terms, place the order, and pay according to the agreed schedule. Resolve Pay supports the credit decision, payment workflow, and buyer payment experience through its platform.

With BigCommerce B2B Edition

Company buyers see purchase order payment or approved payment methods based on their account permissions. They can place an order using PO details and manage invoices through the buyer portal if the merchant has configured that experience.

With customer group rules

Approved wholesale buyers see a manual offline payment label. After checkout, the merchant sends the invoice separately and manages payment collection outside the checkout flow.

Common Mistakes When Setting Up Net Terms on BigCommerce

Showing terms to retail customers

Net terms should be limited to approved B2B buyers. Always test checkout as a guest, retail customer, and approved wholesale customer before going live.

Skipping credit review

Manual net terms should never be treated as a simple payment label. Every approved buyer needs a credit policy, limit, and collection process. Resolve Pay helps automate this through business credit checks.

Forgetting accounting reconciliation

Net terms affect orders, invoices, payments, cash application, and AR aging. If your team does not connect the workflow to accounting, manual reconciliation can become a bottleneck quickly. Resolve Pay’s financial stack integrations help connect payment and AR activity back into your core systems.

Using manual rules for too long

Customer group rules can be useful early, but they become harder to manage as buyer count, order volume, and invoice complexity increase. Once your team is regularly chasing invoices or updating spreadsheets, it is usually time to move to a dedicated AR and net terms workflow.

Overlooking BigCommerce payment changes

BigCommerce’s 2026 plan update states that orders processed through Open Payment Providers, including some offline and manual payment methods, may be subject to an Open Payment Provider Fee depending on plan and provider type. Review BigCommerce’s current payment policy before relying heavily on offline payment methods.

Final Verdict

For most B2B merchants that want to add net terms at checkout on BigCommerce, Resolve Pay is the strongest path because it supports the full workflow: buyer credit decisions, embedded checkout terms, upfront payment on approved invoices, payment workflows, collections support, and accounting integrations.

BigCommerce B2B Edition is useful for merchants already using company accounts, purchase order workflows, and invoice portal features. Customer group rules can work for very small wholesale programs with a handful of trusted accounts. But both approaches still require the merchant to manage credit exposure, payment timing, collections, and reconciliation unless another platform is added.

Resolve Pay is built for merchants that want to offer flexible B2B payment terms without turning finance teams into a manual credit and collections department. It helps suppliers offer net terms, improve cash flow, reduce AR workload, and keep buyer payment experiences aligned with modern B2B commerce.

Next Steps

Adding net terms at checkout on BigCommerce is not just a payment setting. It affects buyer approval, checkout conversion, invoicing, cash flow, collections, and accounting reconciliation.

For small wholesale programs, customer group rules may be enough to start. For merchants already using B2B Edition, purchase order checkout and invoice portal tools can support structured company account workflows. For growing B2B suppliers that want embedded credit, upfront payment, and AR automation, Resolve Pay is the most complete setup.

See how Resolve Pay works

Frequently Asked Questions

What does net terms at checkout mean on BigCommerce?

Net terms at checkout means an approved B2B buyer can place an order and pay later by invoice instead of paying in full at checkout. The buyer completes the purchase through a pay-by-invoice, purchase order, or net terms option and pays according to the agreed schedule.

Does BigCommerce support net terms natively?

BigCommerce B2B Edition supports B2B workflows such as company accounts, payment visibility control, purchase orders, and invoice portal access. Merchants on other setups typically use third-party apps, manual customer group rules, or custom checkout workflows to offer invoice-based terms.

How does Resolve Pay work with BigCommerce?

Resolve Pay connects net terms into the B2B checkout flow. Buyers can request or use approved terms, while Resolve Pay supports credit decisions, payment workflows, upfront payment on approved invoices, payment reminders, collections, and reconciliation through integrations.

Can I hide net terms from retail customers?

Yes. Net terms should be scoped to approved B2B buyers through customer groups, company accounts, or app-level visibility settings. Always test checkout as a guest, retail customer, and approved wholesale buyer before launch.

Do I need BigCommerce B2B Edition to use Resolve Pay?

No. Resolve Pay is designed to support net terms and B2B payments workflows for merchants that want embedded terms, credit decisioning, upfront payment, and AR automation. BigCommerce B2B Edition can be useful for company account and buyer portal workflows, but it is not the only path to offering net terms.

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.