payment-terms-optimization

On Shopify Plus, use native Shopify B2B: create company profiles under Customers, then set payment terms (net 7/15/30/60/90) and credit limits per company. On standard Shopify, install the Invoiced app and assign terms per customer in its settings.

2/10 net-30 means a 2% discount if paid within 10 days, otherwise full payment is due in 30 days. The implied annualized cost of not taking the discount is approximately 36.7% APR, computed as (discountRate / (1 - discountRate)) * (365 / deferralDays).

Check available credit at order creation time, not at invoicing: sum open invoice balances, subtract from the credit limit, and reject orders exceeding the remainder. Shopify Plus B2B and BigCommerce B2B Edition enforce this natively; custom builds need a checkCreditAvailability function.

Yes, via the WooCommerce B2B plugin, which adds payment terms per customer or customer group and credit limit enforcement with block-or-approve behavior. Pair it with WooCommerce PDF Invoices to generate invoices with due dates automatically.

Start new accounts on net-15 or prepay until they build payment history, then upgrade to net-30 after several on-time orders. Reserve net-60 or discount terms for strategic accounts with 12+ months of history, and require a credit application for limits above $5,000.

This happens when eligibility is checked against the due date instead of the discount cutoff (issue_date plus discount_days). Record payment dates strictly and compare against the cutoff; tools like Invoiced and Stripe Invoicing track this automatically.