Wholesalers using Shopify Plus can integrate flexible payment terms directly into their B2B operations without requiring third-party applications. Shopify Plus allows businesses to set custom payment terms like Net 30 and Net 60 for each company location, creating streamlined wholesale transactions that match industry standards.
The platform enables wholesale businesses to offer deposits, installment plans, and credit-based purchasing options that traditional B2C stores cannot accommodate. This functionality transforms standard e-commerce stores into professional wholesale operations capable of handling complex buyer relationships and extended payment cycles.
Shopify B2B capabilities include automated payment term management, buyer-specific catalogs, and integrated invoice systems that reduce manual processing time. These features allow wholesalers to scale their operations while maintaining control over cash flow and credit risk.
Shopify Plus enables wholesale businesses to connect payment systems across cloud platforms, shopping carts, and ERP systems. These integrations create automated workflows that reduce manual processing time and improve cash flow management.
Cloud-based payment platforms connect directly with Shopify Plus to automate wholesale transactions. These systems sync customer data, order information, and payment terms across multiple business tools.
Popular cloud payment integrations include:
Streamlined seamlessly integrates with both Shopify and QuickBooks, allowing businesses to sync B2B orders and customer payment data. This eliminates duplicate data entry and reduces processing errors.
Cloud platforms also enable real-time payment tracking. Businesses can monitor which invoices are paid, pending, or overdue across all systems simultaneously.
Key benefits include:
Shopify Plus allows wholesale buyers to complete purchases using flexible payment methods directly in the shopping cart. INV - Invoice Payment Method app provides a straightforward way to manage offline payments and reduce cart abandonment for B2B customers.
Cart integration features:
The platform automatically generates invoices when buyers place orders. Payment terms are applied based on customer settings and company policies.
Buyers can review their payment terms before completing checkout. This transparency reduces payment disputes and improves customer satisfaction.
Payment method options include:
ERP systems connect with Shopify Plus to create end-to-end payment automation. When orders sync from Shopify Plus to the ERP, invoice generation happens automatically based on predefined rules.
Automated workflow steps:
ERPs can also manage payment reminders and collections. The system tracks due dates and sends automated notices to customers before payments become overdue.
Advanced ERP features:
Integration reduces the time between order completion and payment collection. Businesses typically see faster payment cycles and improved cash flow when ERP automation is properly configured.
Wholesalers can provide buyers with immediate purchasing power while receiving guaranteed payments through specialized platforms that eliminate traditional financing delays. These solutions transfer payment risk away from sellers while offering buyers extended terms without interest charges.
Wholesalers receive payment within 24-48 hours of order completion when using instant credit platforms. This eliminates the typical 66-day payment delay that creates cash flow problems for wholesale businesses.
The immediate payout system removes collection responsibilities entirely. Third-party platforms handle all customer communications, payment tracking, and default risks.
Key seller advantages include:
Wholesale businesses can accept larger orders without worrying about payment delays. The instant credit solutions increase quote-to-order conversion rates by removing financial barriers that prevent customers from completing purchases.
Sales teams can offer extended payment terms confidently. They know the platform will pay immediately while customers get the flexibility they need for large orders.
B2B buyers receive 30 to 90 days to pay without interest charges or fees. This creates significant working capital advantages compared to traditional financing options that charge monthly interest.
Customers can purchase inventory and generate revenue before payments come due. The free float period helps businesses manage cash flow timing more effectively.
Payment term benefits:
| Term Length | Typical Order Increase |
|---|---|
| 30 days | 15-25% higher values |
| 60 days | 25-40% higher values |
| 90 days | 40-60% higher values |
Credit approvals happen instantly during checkout. Wholesale customers avoid lengthy bank applications or personal guarantee requirements that slow traditional lending processes.
The streamlined approval process encourages larger purchase volumes. Businesses can stock more inventory when payment pressure is removed from buying decisions.
Alternative credit platforms operate independently from traditional banking relationships. Wholesalers and their customers access working capital without affecting existing credit lines or loan covenants.
These platforms use different underwriting criteria than banks. Approval decisions focus on transaction history and business performance rather than balance sheet requirements.
Non-bank advantages:
Companies maintain their banking relationships for other financial needs. The credit platform serves as supplementary financing that doesn't compete with core banking services.
Payment terms adjust based on customer performance over time. This creates opportunities for better terms as business relationships strengthen and payment history improves.
Modern payment systems verify buyer creditworthiness instantly while protecting wholesalers from bad debt. Advanced underwriting platforms reduce manual verification from weeks to minutes and transfer financial risk away from merchants.
Automated underwriting systems eliminate traditional manual processes that can take weeks to complete. These platforms instantly pull credit reports, bank statements, and payment histories to make approval decisions.
Machine learning algorithms analyze hundreds of data points within seconds. The system checks business registration details, tax records, and existing trade references automatically.
Wholesalers receive immediate feedback on customer creditworthiness. This speed prevents lost sales from lengthy approval delays that frustrated potential buyers.
Key verification elements include:
Integration with Shopify Plus happens through API connections. The underwriting runs in the background while customers browse products and add items to their cart.
Non-recourse payment terms transfer collection responsibility from wholesalers to third-party providers. The wholesaler receives guaranteed payment regardless of whether the buyer pays their invoice.
This structure protects cash flow from unpaid invoices. Businesses can offer competitive payment terms without worrying about customer defaults eating into profits.
Thoroughly vetting buyers becomes the responsibility of the credit provider rather than the merchant. This removes the burden of credit analysis from internal teams.
Benefits of non-recourse arrangements:
The credit provider typically charges a small percentage fee for assuming this risk. This cost often proves lower than hiring dedicated credit staff or absorbing bad debt losses.
Strong underwriting prevents fraudulent transactions and identity theft attempts. Multi-layer verification confirms that buyers are legitimate businesses with real purchasing intent.
Advanced systems cross-reference business addresses with public records. They verify phone numbers and email domains match registered business information.
Real-time monitoring flags suspicious ordering patterns. Unusual purchase volumes or shipping addresses trigger additional verification checks before processing.
Security measures typically include:
These security layers protect both wholesalers and legitimate buyers. Fraudulent transactions get blocked while real customers experience smooth checkout processes.
Integration with existing fraud prevention tools strengthens overall security. The combined systems create multiple barriers against unauthorized purchases.
Shopify Plus enables wholesalers to implement sophisticated payment structures that match industrial buying patterns. Advanced credit management and customizable checkout flows help businesses reduce financing dependencies while extending competitive payment windows.
Traditional factoring agreements can cost businesses 1-5% of their receivables. Shopify Plus allows wholesalers to build direct credit relationships with buyers instead.
Custom payment terms eliminate the need for third-party financing when properly structured. Businesses can set up payment terms directly within their B2B storefront.
Key benefits include:
Credit limits can be assigned through customer metafields. Payment history tracking helps identify which accounts qualify for extended terms without external backing.
Automated invoice generation replaces manual processes. This reduces the documentation burden that factoring companies typically require.
Net payment terms appear as standard checkout options for approved B2B customers. Shopify Plus supports partial payments and flexible billing cycles.
The checkout process can display different term options based on customer credit status. High-value buyers see extended terms while new accounts start with shorter payment windows.
Standard B2B term structures:
Draft orders enable sales teams to create custom terms for specific deals. Payment terms appear clearly on order confirmations and invoices.
Credit enforcement happens automatically at checkout. Customers exceeding their limits receive immediate notifications rather than order rejections.
Custom-branded payment portals maintain consistent company branding throughout the buyer experience. B2B customers access dedicated account dashboards showing current balances and payment history.
White-label solutions remove Shopify branding from checkout pages. This creates a seamless experience that reflects the wholesaler's brand identity.
Portal features include:
Integration with existing ERP systems ensures data accuracy across platforms. Customers see the same information that appears in internal accounting systems.
The comprehensive guide to wholesale success covers additional customization options for enterprise accounts. Custom pricing tiers can be combined with flexible payment terms for complete B2B functionality.
Automated payment reminders reduce collection efforts. Customers receive notifications before due dates rather than after payments become overdue.
Successful B2B payment integration requires combining credit assessment, financing options, and payment processing into a single streamlined system. This approach eliminates operational silos while creating flexible payment experiences that reduce collection efforts and working capital constraints.
Modern B2B payment systems require unified APIs that handle credit verification, financing approval, and payment processing simultaneously. This integration eliminates the need for wholesalers to manage separate vendor relationships and technical integrations.
A single API call can assess buyer creditworthiness, approve financing terms, and process payments instantly. This reduces transaction friction and accelerates order completion rates.
The unified approach provides real-time decision making for payment terms. Buyers receive immediate approval or denial responses rather than waiting for manual credit reviews.
Technical integration becomes simpler when wholesalers connect to one endpoint instead of multiple payment processors and financing providers. This reduces development time and ongoing maintenance costs.
Key benefits include:
B2B buyers expect the same payment flexibility they experience in consumer transactions. Multi-rail payment solutions enable wholesalers to offer multiple payment options through one integration.
The unified experience presents buyers with immediate payment choices at checkout. Options include net terms, installment plans, or immediate payment with early payment discounts.
Payment terms adjust automatically based on credit scores and order history. Higher-risk buyers see shorter terms while established customers access extended payment periods.
This flexibility increases order conversion rates and average order values. Buyers complete purchases they might otherwise delay due to cash flow timing.
The system handles payment collection automatically across different terms. This reduces manual accounts receivable management and improves cash flow predictability.
Payment options typically include:
Automated payment systems reduce reliance on traditional collections processes and expensive bank credit lines. Centralized payment processing improves cash flow management while reducing operational overhead.
Smart routing automatically selects the most cost-effective payment method for each transaction. This minimizes processing fees while maintaining payment reliability.
The system monitors payment patterns and flags potential issues before they require collections intervention. Early warning systems help preserve customer relationships.
Integrated financing reduces the need for bank revolving credit facilities. Wholesalers access working capital through customer payments rather than traditional debt instruments.
Collection reduction strategies:
Cash flow becomes more predictable when payment timing varies across customer segments. Some buyers pay immediately while others use extended terms, creating steady revenue streams.
Successful payment term integration requires strategic API customization, robust security measures, and intuitive user interfaces. These elements work together to create seamless B2B transactions while maintaining compliance standards.
The Payment Customization API enables dynamic payment term assignment based on specific business rules. Companies can configure different terms for various buyer segments, order values, and product categories.
Custom integrations should prioritize conditional logic that automatically applies appropriate terms. For example, orders over $500 might trigger Net 30 terms, while smaller orders require immediate payment.
Key integration elements include:
API responses must handle edge cases gracefully. This includes scenarios where buyer data is incomplete or order totals change during checkout.
Testing workflows across different buyer types ensures consistent behavior. B2B customers should see their negotiated terms, while retail customers follow standard payment flows.
Payment term data contains sensitive financial information that requires proper protection. Shopify Plus stores must implement encryption for all payment-related communications and data storage.
Compliance frameworks like PCI DSS apply to deferred payment scenarios. Companies need documented processes for handling payment term modifications and dispute resolution.
Critical security measures:
Data retention policies must align with business requirements and regulatory standards. Some jurisdictions require specific handling of B2B payment agreements.
Integration partners should provide compliance documentation and security certifications. This reduces audit complexity and demonstrates due diligence to stakeholders.
Clear payment term presentation reduces buyer confusion and support requests. The checkout interface should display exact due dates, deposit requirements, and payment instructions without technical jargon.
Custom price lists and net payment terms improve buyer experience by showing personalized pricing alongside payment options. This transparency builds trust and accelerates purchase decisions.
Mobile optimization ensures payment terms display correctly across devices. Many B2B buyers complete purchases on tablets or smartphones during trade shows or client visits.
User experience priorities:
Training materials help buyers understand new payment options. Companies should provide guides explaining how Net 30 terms work and when deposits are required.
Feedback collection identifies usability issues before they impact sales. Regular buyer surveys reveal pain points in the payment term selection process.
Resolve transforms b2b ecommerce payment processes by offering flexible net terms and automated credit decisions that benefit both sellers and buyers. This payment solution addresses cash flow challenges while creating growth opportunities through streamlined wholesale transactions.
Resolve provides immediate payment to sellers while extending flexible payment terms to wholesale buyers. This dual benefit eliminates the traditional cash flow gap that often strains business relationships.
Seller advantages include:
Buyer benefits encompass:
The platform handles all credit checks and risk assessment automatically. Buyers receive instant credit decisions during checkout, while sellers gain confidence knowing payment is guaranteed regardless of the buyer's payment timeline.
This system particularly benefits Shopify Plus B2B businesses that need predictable cash flow for inventory management and operational expenses.
Extended payment terms through Resolve enable wholesale buyers to increase order volumes and frequency. Buyers can accept larger orders from their own customers knowing they have flexible payment options with suppliers.
Growth metrics show:
Sellers benefit from reduced customer acquisition costs and higher customer lifetime value. The ability to offer competitive payment terms without internal risk creates a significant market advantage.
B2b ecommerce platforms see enhanced conversion rates when buyers can complete purchases without immediate payment requirements. This flexibility particularly appeals to growing businesses that need to manage seasonal fluctuations or unexpected opportunities.
Resolve integrates directly with existing order management systems and accounting software. This integration eliminates manual invoice processing and reduces administrative overhead for wholesale operations.
Key operational improvements:
| Feature | Traditional Process | With Resolve |
|---|---|---|
| Credit checks | Manual, days-long process | Instant automated decisions |
| Invoice management | Manual tracking and follow-up | Automated processing |
| Payment collection | Internal collections team needed | Fully outsourced |
| Cash flow timing | 30-90 day delays | 1-2 business days |
The platform provides detailed reporting and analytics that help businesses understand customer payment patterns and optimize their credit policies. Payment automation tools reduce errors and processing time while improving customer satisfaction.
Wholesale businesses report significant cost savings from eliminating internal accounts receivable departments. The streamlined approach allows teams to focus on core business activities rather than payment collection and credit management tasks.
Wholesalers implementing payment terms through Shopify Plus commonly encounter questions about available options, customization capabilities, and integration processes. These inquiries typically focus on automation features, third-party solutions, and compliance requirements.
Shopify Plus enables wholesalers to offer Net Payment Terms including Net 30, Net 60, and Net 90 options. These terms allow B2B customers to receive goods immediately while paying within the specified timeframe.
The platform supports deposit requirements as part of payment terms. Wholesalers can require partial payment upfront while extending credit for the remaining balance.
Cash on delivery and payment upon receipt options are also available. These terms provide flexibility for different customer relationships and risk tolerance levels.
Individual customer customization occurs through B2B customer profiles and tagging systems. Wholesalers can assign specific payment terms to customer accounts based on creditworthiness or business relationships.
The system allows different net terms for different customers. One customer might receive Net 30 terms while another receives Net 15 based on their payment history.
Deposit requirements can vary by customer account. High-risk customers might require 50% deposits while established customers receive full credit terms.
Automated invoicing begins with configuring B2B customer accounts and payment terms. The system generates invoices automatically when wholesale customers place orders with net payment terms.
Invoice delivery occurs through email notifications to designated customer contacts. The invoices include payment due dates, terms, and instructions for payment processing.
Payment reminders can be automated through the platform or third-party applications. These reminders help reduce late payments and improve cash flow management.
Multiple third-party applications exist for extending payment terms on Shopify Plus. The Wholesale Pricing Discount B2B app integrates directly with the platform to provide net payment functionality.
These applications typically install through the Shopify App Store. Integration involves connecting the app to existing customer databases and configuring payment term rules.
Most applications sync with Shopify's order management system. This integration ensures payment terms appear on invoices and customer accounts automatically.
Shopify Plus provides order tracking and payment status monitoring for wholesale accounts. The platform displays payment due dates and overdue amounts within the admin dashboard.
Late payment enforcement typically requires third-party applications or manual processes. The platform itself does not automatically charge late fees or suspend accounts for overdue payments.
Credit management features allow wholesalers to adjust customer credit limits or payment terms based on payment history. These adjustments help minimize future payment risks.
Payment term agreements become legally binding when properly documented in customer contracts or terms of service. Shopify Plus displays agreed-upon terms during the checkout process for B2B customers.
Legal enforceability depends on jurisdiction and contract documentation rather than the platform itself. Wholesalers should consult legal counsel to ensure payment terms meet local commercial law requirements.
The platform stores payment term agreements and order history for record-keeping purposes. This documentation supports legal enforcement actions when payment disputes arise.
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.