Payment Terms & Credit
Set up net terms, vaulted cards and credit for wholesale buyers on Shopify, and weigh what each option costs you in cash flow.
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Common Questions
How exactly do net payment terms (Net 30/60/90) work for B2B customers on Shopify, from invoice to payment?
Shopify's business-to-business (B2B) net terms set a due date of net 7, 15, 30, 45, 60 or 90 days on the order (Shopify Help Center, October 2026). Buyers can pay any time from customer accounts, but Shopify doesn't capture payment when the date passes, on any plan. So collection stays manual or runs through Shopify Flow.
What is vaulted-card payment for B2B, and how is it different from storing a card on a regular customer account?
A vaulted card in Shopify business-to-business (B2B) belongs to a company location, not a person, so every customer with permissions for that location can use it at checkout (Shopify Help Center, October 2026). A card saved on a regular customer account belongs to that one customer (Shopify developer docs, October 2026). B2B card vaulting also requires Shopify Payments.
What's the actual cash-flow tradeoff of offering Net 60 terms to a large wholesale account vs requiring payment upfront?
Net 60 costs about 1.15% of order value in financed working capital against payment up front, at the US bank prime rate of 7.00% (Federal Reserve H.15, October 2026; Deploi arithmetic). That interest is the floor, not the total, so add late payment, bad debt and collections labor, then price the terms into the wholesale margin rather than absorbing them.
Is there a real store-credit solution for B2B customers, or only manual workarounds today?
Shopify business-to-business (B2B) store credit is native: you issue it to a company location, and its authorized buyers spend it (Shopify Help Center, October 2026). Each location's balance stays under $10,000 USD, and buyers can't pick a partial amount. Credit on a personal profile can't be spent in a B2B store, so issue wholesale credit to the location.
Can B2B net-terms invoices be exported directly to QuickBooks or NetSuite, or does that require a connector app?
Business-to-business (B2B) net-terms invoices reach QuickBooks or NetSuite through a connector app, not a direct export, because Shopify's export is an orders spreadsheet with payment terms and due dates (Shopify Help Center, October 2026). Intuit's QuickBooks connector imports B2B orders as invoices (Intuit QuickBooks, June 2026); Oracle's NetSuite connector does so on a $916.58-a-month B2B plan (Oracle NetSuite, October 2026).
Does native Shopify B2B integrate with any third-party trade-credit or invoice-financing provider, or is that entirely external?
Native Shopify business-to-business (B2B) has no built-in trade credit or invoice financing; providers integrate from outside, as checkout payment apps. Shopify's B2B payment features include terms, reminders, bank debits and saved cards (Shopify Help Center, October 2026). Resolve, for one, requires each financed company location on "No payment terms", so a location can't run both (Resolve's Shopify guide, October 2026).