Shopify B2B Payment Terms: Offering Net 30 to Wholesale Buyers

On this page 7 sections

1. B2B on Shopify: Native Features vs. Wholesale Apps
2. Setting up Company Accounts and Shopify B2B Payment Terms
3. Shopify Net 30, 15 or 60: Choosing Terms Without Cash Flow Pain
4. Shopify B2B Deposits and Vaulted Credit Cards for Wholesale Orders
5. Shopify Wholesale Invoicing: Accepting ACH and Card Payments
6. Handling Late Payments and Credit Limits
7. Next Steps for Your Wholesale Payments

Key takeaways

• Assign Shopify B2B payment terms per company account, not storewide, so new buyers and proven buyers get different levels of trust.
• Deposits and vaulted cards reduce the risk of net terms by securing part or all of the balance before you ship.
• Give wholesale buyers both ACH and card options on invoices, and record off-platform payments in Shopify so your books match.
• Collect overdue invoices with automatic card charges, reminders and order holds instead of emailing buyers one by one.

Wholesale buyers rarely pay at checkout the way retail shoppers do. A boutique owner restocking for the season, or a café ordering your coffee by the case, usually expects an invoice and time to pay it. This guide covers how Shopify B2B payment terms work. You'll learn how to set up company accounts, choose between net 15, 30 and 60, use deposits and vaulted cards to protect yourself, accept ACH and card payments on invoices, and collect overdue balances without a long chain of reminder emails.

Shopify updates its B2B features often, and availability depends on your plan and payment provider. Confirm current options in your Shopify admin and help center before you change policies with buyers.

B2B on Shopify: Native Features vs. Wholesale Apps

You have two broad ways to sell wholesale on Shopify.

Native B2B features are built into the Shopify admin. Depending on your plan, they can include company profiles, company locations, B2B-specific catalogs and price lists, and payment terms on orders. Plan eligibility for native B2B has changed over time, so check what your current plan includes.

Wholesale apps from the Shopify App Store add features like tiered pricing, wholesale-only storefronts, order minimums and net terms. Some sellers on plans without native B2B rely on them. Others use them to fill gaps, such as automated credit limits.

Whichever route you take, check how payments are captured. Some setups route B2B invoice payments through Shopify Payments only. Others support a third-party gateway. If you process outside Shopify Payments, read up on when a third-party payment gateway makes sense for Shopify before you commit.

Setting up Company Accounts and Shopify B2B Payment Terms

In native Shopify B2B, the company is the business you sell to. Company locations are its stores, warehouses or ship-to addresses. Contacts are the buyers who log in and place orders. Payment terms are usually assigned at the location level. That lets you give a buyer's flagship store net 30 while a newly opened second location pays upfront.

A practical setup sequence:

1. Collect a credit application. Get the legal business name, tax ID, billing contact, accounts payable email and trade references before granting any terms.
2. Create the company and its locations. Attach the correct billing and shipping addresses and any tax exemption details.
3. Assign a catalog or price list so the buyer sees wholesale pricing.
4. Set payment terms per location. Shopify's options typically cover a set of net terms, payment due on fulfillment, or a fixed due date. Check which ones your admin offers.
5. Decide on checkout behavior. Choose whether buyers can submit orders on terms or must pay at checkout, and whether a deposit is required.
6. Add buyer contacts and confirm their permissions, such as who can order and who can view invoices.

Start every new wholesale account on upfront payment or due-on-fulfillment terms. Extend net terms after a few orders paid on time.

Shopify Net 30, 15 or 60: Choosing Terms Without Cash Flow Pain

Net terms are a loan to your customer. Every day of terms is a day you've paid for inventory, labor and shipping without being paid back.

Illustrative example: You ship a $6,000 wholesale order on March 1 on net 30. Your supplier invoice for those goods is due March 15. You're carrying that cost for at least two weeks, longer if the buyer pays late. Multiply that across a dozen accounts during pre-season ordering, and the gap gets large quickly.

Questions to ask before you set Shopify net 30 as your default:

• Can you cover inventory and payroll if a large share of receivables pays late?
• Do your buyers' own sales cycles match the terms? A seasonal boutique may genuinely need 30 days to sell through.
• Are your margins wide enough to absorb a write-off now and then?
• Will a shorter term with an early-payment discount work better for your buyers? If you offer a discount, put the exact terms in writing.

You don't need one policy for everyone. Many wholesale sellers run due-on-fulfillment for new accounts, net 15 or 30 for proven ones, and longer terms only for large accounts with a clean payment history.

Shopify B2B Deposits and Vaulted Credit Cards for Wholesale Orders

Deposits and stored cards let you offer terms while keeping some security.

Using Deposits

Shopify B2B deposits require the buyer to pay part of the order total at checkout. The balance stays on terms. Depending on your plan, Shopify may let you set a deposit requirement on company locations. If it doesn't, you can collect the deposit as a separate payment on a draft order.

Deposits work well for:

• Pre-season and trade show orders placed months before shipment
• Custom or private-label runs you can't resell if the buyer walks away
• Large first orders from accounts without payment history

Using Vaulted Cards

A Shopify vaulted credit card for B2B is a card the buyer saves to their company account. You or Shopify can then charge it when the invoice comes due. Support depends on your payment provider and plan, so confirm it in your admin.

Best practices for stored cards:

• Get the buyer's agreement in writing. Card networks have rules for storing and reusing cards, including getting the cardholder's agreement. Spell out when and why you'll charge the card, such as on the due date or for an unpaid balance after a set number of days, and confirm the requirements with your processor.
• Never take card numbers by email or on paper. Have buyers save cards themselves through checkout or a secure payment link.
• Watch expiration dates. Expired cards are a common reason due-date charges fail. Ask your processor about network tokenization for stored cards, which can help keep stored credentials current.

If you'd rather confirm funds before shipping without charging yet, an authorization hold is another option. Shopify manual payment capture explains how that works and its time limits.

Shopify Wholesale Invoicing: Accepting ACH and Card Payments

Wholesale buyers pay differently than consumers. Small shops often use a business credit card for the rewards and float. Larger accounts with AP departments often prefer ACH and may be reluctant to pay large invoices by card.

Tips for smoother Shopify wholesale invoicing:

• Include the buyer's PO number on the order or invoice. AP departments often won't pay without it.
• Send invoices to the AP contact, not just the person who placed the order.
• Offer at least one bank payment option. Check whether bank payments are available in your Shopify setup, or collect ACH through your processor.
• Record off-platform payments in Shopify. If a buyer pays by check, wire or a virtual terminal for keyed card payments, mark the order paid so your receivables and reports stay accurate.

Card fees add up on large wholesale tickets. Some sellers use surcharging programs where permitted or cash discount pricing to offset them. Surcharging is subject to card network rules and state laws that vary, so disclose it clearly and confirm compliance with your processor and a qualified professional. Also check Shopify transaction fees by plan if you plan to use a gateway other than Shopify Payments.

Handling Late Payments and Credit Limits

The goal is a system that collects most balances automatically, so you only call the few buyers who need a conversation.

Automate Before You Chase

• Charge vaulted cards on the due date where you have the buyer's agreement to do so.
• Turn on payment reminders if your Shopify setup offers them, and schedule them before and after the due date.
• Use automation tools where available. Shopify Flow, on eligible plans, can tag overdue companies or alert your team.
• Send a monthly statement listing every open invoice. Buyers with several locations lose track of individual invoices easily.

Set and Enforce Credit Limits

Native Shopify B2B may not enforce a hard credit limit on its own. If yours doesn't, choose one of these:

• Use a wholesale app with credit limit controls.
• Review open balances weekly and hold orders that would push an account over its limit.
• Change an overdue location's terms to due on fulfillment, or require a deposit, until it's current.

Escalate in Steps

1. A few days late: Automated reminder.
2. Two weeks late: A personal call to the AP contact. Confirm they received the invoice and ask for a payment date.
3. 30 or more days late: Hold new orders and switch the account to upfront payment.
4. Long overdue: Final written notice, then collections or legal options.

Rules on late fees and interest vary by state, and these charges generally need to be part of the terms your buyer agreed to. This is general information, not legal advice. Confirm your policy with an attorney before you charge them.

Next Steps for Your Wholesale Payments

Strong Shopify B2B payment terms protect your cash flow without pushing buyers away. Start new accounts on short terms, use deposits for large or custom orders, store cards only with the buyer's agreement, and give buyers both ACH and card options. Then let automation handle reminders and due-date charges.

If you want help reviewing how your wholesale payments are processed, see how MannyPay supports Shopify payment integrations and online payment gateways. You can request a free quote, and a MannyPay specialist will respond within one business day.

ME

About the author

MannyPay Editorial Team

Beyond the Swipe's editorial desk researches the publication's guides and news and cites its sources in every article. Articles reviewed by a named MannyPay editor carry that editor's byline.

This article is for general educational purposes and is not legal, tax or financial advice. Card network rules and state laws change; confirm current requirements for your business.