How exactly do net payment terms (Net 30/60/90) work for B2B customers on Shopify, from invoice to payment?
Shopify B2B issues net terms as a due date on the order, not an invoice document. Available templates are net 7, 15, 30, 45, 60 and 90, plus due on receipt, due on fulfillment and a fixed date (Shopify Help Center, September 2026). Payment is not captured automatically when terms expire. Collection stays manual or runs through Shopify Flow.
The mechanism, in the order it actually happens
- Terms get attached to a company or a company location. Payment terms are a setting on the company profile, inherited by every location, or overridden per location (per Shopify Help Center, September 2026). Nothing about them is per-order by default.
- The buyer checks out. A B2B buyer signed in to a company location sees their terms at checkout and places the order without paying. Net periods start "from the day the order is placed" (per Shopify, September 2026). Due on fulfillment starts when every item ships.
- The order lands in Payment pending. In the admin it sits in a Payment pending state with the due date attached, alongside orders under every other term you offer.
- A reminder goes out, or does not. Shopify schedules payment reminders up to 30 days after the due date (per Shopify Help Center, September 2026), and Shopify Flow adds a
Send payment reminderaction driven by thePayment schedule is duetrigger. - The buyer pays, or you charge them. The buyer can sign in to customer accounts, open the order and click Pay now. You can also mark as paid, charge a vaulted card, send an invoice with a checkout link, or send a payment request per fulfillment.
- The term expires. The order displays as Overdue in customer accounts. Nothing else happens. "Payments aren't automatically captured when the payment terms expire" (per Shopify Help Center, September 2026), and the buyer can still place the next order.
The template list, and the exception that actually exists
| Term type | What Shopify supports natively |
|---|---|
| Net | 7, 15, 30, 45, 60, 90 |
| Due on receipt | Yes |
| Due on fulfillment | Yes |
| Fixed date | Yes, on draft orders |
| Any other day count (net 10, net 21, net 75) | No template |
| Early-payment discount (2/10 net 30) | No native construct |
| Month-end or end-of-month-plus terms | No native construct |
| Conditional terms (by order value, by product) | Payment Customization Function, Plus only |
Net 45 is a native template. It is easy to get this wrong, because a good deal of secondary writing about Shopify B2B lists only net 15, 30 and 60. Shopify's own payment terms page names all six ("the available terms are net 7, net 15, net 30, net 45, net 60, and net 90"), the deferred-payments page repeats the same six, and PaymentTermsTemplate in the Admin GraphQL API exposes dueInDays against a PaymentTermsType enum of NET, FIXED, FULFILLMENT, RECEIPT and UNKNOWN (per Shopify developer docs, September 2026).
What is genuinely missing is narrower than "anything unusual." It is: arbitrary day counts, discount-for-early-payment structures, month-end terms, and terms that change by order.
What terms do not include
This is the part that surprises finance teams in week one. Net terms on Shopify are a due date and a reminder. They are not:
- A credit limit. No company profile field holds one.
- An order hold. An overdue balance does not stop the next order by itself.
- An AR ledger. There is no aging view, no statement, no partial-allocation of a payment across invoices.
- A collections workflow. Reminders exist; escalation, dunning schedules and write-off do not.
Shopify does ship two native enforcement primitives, and they are worth knowing before anyone scopes a build. The Cart and Checkout Validation Function can block checkout, and it reads B2B buyer identity including location.ordersCount and location.totalSpent (per Shopify developer docs, September 2026). Separately, the Payment Customization Function gained an orderReviewAdd operation on 1 October 2025 that routes a B2B order to draft review based on "order value, cart contents, or customer attributes," on Plus stores only (per Shopify changelog, October 2025).
So the hooks exist. The ledger they would read from does not. That distinction is the whole scope of a credit-management build.
How the money actually arrives
| Method | Constraint | Fee notes |
|---|---|---|
| Vaulted credit card | Shopify Payments required; card saved to the company location | Standard card rates |
| Vaulted bank account (ACH Direct Debit) | United States merchants, Shopify Payments, USD, US bank accounts, more than 100 fulfilled orders | $4 USD on a failed debit; $15 USD on a chargeback (per Shopify Help Center, September 2026) |
| Manual payment method | Recorded by hand; wire, check, bank deposit | No platform fee, all the reconciliation work |
| Store credit | Company location balance, full amount only | See the store-credit page below |
| PayPal | Supported for B2B | Provider rates |
ACH takes up to 4 business days to confirm success or failure, is refundable within 180 days, and can be disputed by the buyer's bank for up to 60 calendar days (per Shopify Help Center, September 2026). A vaulted bank account is not debited automatically when terms expire; a person charges it, or a Flow automation does.
When NOT to offer net terms at all
- When nobody owns collections. Terms without an owner are a discount you did not price.
- When the account is new and unreferenced. Shopify performs no underwriting (see the creditworthiness page below).
- When you are also planning to use a third-party trade-credit provider on that location. The two are mutually exclusive; see the trade-credit page below.
- When the real request is a subscription. Shopify lists Subscriptions as incompatible with B2B, and the developer docs repeat it: "B2B doesn't support purchase options, such as subscriptions, pre-orders, and try before you buy" (per Shopify developer docs, September 2026). A standing wholesale order is not something you can build on purchase options.
The Deploi point of view
Our own position, from building on Shopify. Separate from the facts above.
- Our take: Native terms give you the due date and the reminder. They do not give you a credit limit, an order hold, or an aging report, and those three are what a wholesale finance team means when it says "net terms." We scored credit-limit and order-hold management BUILD and AR aging CUSTOMIZE for exactly that reason (Deploi verdicts, September 2026).
- What we’ve seen: The scoping conversation that goes badly is the one where terms are demoed in the admin and everyone agrees the requirement is met. The requirement is met for the buyer and unmet for the controller. We now run the first workshop with finance in the room rather than merchandising, and we ask for a current aging report before we ask for anything else.
- What we refuse to quote: a fixed price for "net terms integration" before we have seen the aging report and the collections process. The terms engine is free. Everything that makes it operable is the project, and its size is set by how your finance team already works.
- Where we disagree: The category treats "does Shopify support Net 30" as the qualifying question for a B2B replatform. It is close to meaningless, because every platform supports a due date. The qualifying questions are whether you can stop an over-limit order, whether you can see the 0 to 30, 31 to 60 and 61 to 90 day buckets by account, and whether a partial payment can be allocated across invoices. Ask those three and the platform comparison sorts itself out in an afternoon.
Reviewed by Martin Dejnicki, Director of SEO & AI Search. Facts verified 2026-09-14.
Where we worked this out
Follow-up questions
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 1.1% of order value in financed working capital at the September 2026 US bank prime rate of 6.75% (Federal Reserve H.15, 11 September 2026). That is the floor, not the total. Add realized bad debt and collections labor, and price the terms into the wholesale margin rather than absorbing them.
What is vaulted-card payment for B2B, and how is it different from storing a card on a regular customer account?
Vaulted cards in Shopify B2B are saved to a company location, not to a person. Every customer with permissions for that location can charge that card at checkout (Shopify Help Center, September 2026). A retail saved card belongs to one shopper. The B2B version is a shared corporate instrument, and it requires Shopify Payments.
Is there a real store-credit solution for B2B customers, or only manual workarounds today?
Shopify B2B store credit is native as of the Winter 2026 Edition. Credit belongs to a company location and is shared by every authorized buyer there, capped below $10,000 USD per location, and only the full balance can be applied at checkout (Shopify Help Center, September 2026). Credit on a personal customer profile cannot be spent in a B2B store.
What currencies can net payment terms actually be issued in? Does this work the same for international B2B buyers?
Net payment terms carry no currency restriction of their own, because a term is a day count attached to an order. The currency comes from the market tied to the buyer's shipping address, and B2B multicurrency requires Shopify Payments (Shopify Help Center, September 2026). The real limit is settlement: ACH Direct Debit is United States and USD only.
Can B2B net-terms invoices be exported directly to QuickBooks or NetSuite, or does that require a connector app?
B2B net-terms invoices reach QuickBooks or NetSuite through a connector, never through a native export. Intuit publishes two QuickBooks Online listings on the Shopify App Store: the one at /qbconnector records B2B orders as invoices and rates 4.6 stars across 3,308 reviews, while /quickbooks rates 2.1 across 64 (verified September 2026).
Does native Shopify B2B integrate with any third-party trade-credit or invoice-financing provider, or is that entirely external?
Third-party trade credit and native Shopify payment terms are mutually exclusive on the same company location. Resolve's own integration guide requires the company location to be set to 'No payment terms' before its 'Pay with net terms' option appears at checkout (Resolve documentation, September 2026). You choose one collection model per location, not both.