Best Net Terms Tools for B2B Brands: 6 Compared in 2027

Key Takeaways

• Net terms are a payment deadline you give a buyer after delivery. Net 30 means payment is due 30 days after the start date your terms set.

• Three models compete here: native store terms, financed terms where a provider pays you early, and a custom workflow you build and own.

• TL;DR: if your buyers pay on time and you already run on Shopify, start with native terms. If the cash gap is the real problem, price a financed provider against what waiting costs you.

• Of the six options below, only Shopify publishes plan prices on its pricing page. Resolve Pay's pricing is quote-based, and the other pages checked do not publish merchant prices.

• Financed providers move non-payment risk off your books, but they set credit limits and fees you need to read in writing before you sign.

• Build your own workflow only if you can own failure handling, approvals, and access controls after launch.

Pick the category before the vendor

The first decision is the category, because choosing a vendor inside the wrong category wastes a quarter. Net terms solve one problem: your buyer wants to sell your goods before paying for them, and you want to be paid on a predictable schedule. What separates the options is who absorbs the wait and who absorbs a default.

Native store terms are a setting inside your commerce platform. Shopify's help center lists six net options, from net 7 to net 90, according to Shopify. The same page says "All terms start from the day the order is placed," so the buyer's clock starts at the order, not at the date you send an invoice. In this model you carry the wait and the default.

A financed provider checks the buyer, pays you, and collects from the buyer. Billie's buyer page says it "ensures a direct pay out to the merchant and covers the cost of your order upfront," and its merchant page says Billie "assumes the full credit and default risk" after a successful purchase. In this model the provider carries the default, and you pay for that protection in a fee that the providers in this guide mostly keep off their public pages.

A custom stack is the third option: an invoicing or payments tool, an automation layer, and your own rules for credit and reminders. Zapier's help center says an error handler can be added "to any step in your Zap except for the trigger and any Paths step," and that a handled run shows a "Stopped/Handled" status in Zap history, according to Zapier. That gives you visibility, but the design is yours.

Financed terms are not a new idea in trade press. A November 2023 Digital Commerce 360 article reported that Balance and Hokodo pay the seller first and offer payments "due in 30 or 60 days after the sale." The same article cited a survey that is informative about buyer demand: Merchant survey: 65% say payment terms are vital according to Digital Commerce 360 (2023). That survey covered 200 merchants and marketplaces and was run by Balance and Hokodo themselves, so treat the number as a vendor-run sample, not an independent market measure.

How we evaluated these tools

This is an informed buyer's guide built from public vendor pages, vendor documentation, and trade press. It does not rely on hands-on trials, customer interviews, or third-party ratings. We weighted six criteria, shown below, based on what matters to a small brand that sells on terms. The weights are our judgment, not vendor data, and we list the vendors by category rather than by score because the public information does not support a fair numeric score across providers.

The first two criteria carry 45 percent of the weight because they decide whether you collect cash and when. Pricing transparency matters less for the decision than for the cost model, which is why it sits in the middle.

Who this is for

This guide is for an owner or operations lead at a small ecommerce brand that sells to retailers or other businesses on invoice, and that is close to choosing a terms setup. If you sell only to consumers, most of this does not apply. If you already run a working receivables process and a written credit policy, the feature matrix will matter more to you than the profiles.

Red flags: your buyers already pay late and nobody owns collections; nobody can name who approves a credit decision; or your platform has no B2B account features and you have no plan to add them.

Feature matrix

The matrix uses only what each vendor's own page states. "Not stated" means the page did not say, which is not the same as "no." Read it as a list of questions to put to each vendor in writing before you compare them.

The pattern is clear enough to act on. Three providers say they pay the seller early, one pays on the due date, and Shopify's native terms leave the wait with you. BigCommerce's page does not say whether the seller is paid early, so ask before you compare.

Pricing and total cost

Pricing checked October 26, 2026. Only Shopify's pricing page shows plan prices. The other providers route pricing through a sales conversation or do not show merchant fees, so a real total-cost comparison means sending each vendor the same scenario and asking for a written answer.

Invoice advance rates: typically 90%, 75%, 50% according to Resolve (2026). Resolve's pricing page calls these typical rates, not guaranteed ones, and describes the maximum buyer credit line as "Customized" with sizes that are "not guaranteed." Card fees are passed to the buyer through the payment portal, which affects what your buyer pays, not what you receive.

Figures in the table come from Shopify's plan comparison, according to Shopify (2026). The same comparison includes a B2B row with catalog limits, and the help page does not describe a separate fee for payment terms. Confirm that with Shopify before you build a process around native terms.

Vendor profiles

Each profile separates what the vendor states from our read of it, then covers best fit, limitations, implementation, and the primary page behind the claims.

Resolve Pay

Vendor-stated: Resolve offers net terms with underwriting, receivables workflows, and an advance on invoices, with integrations for ecommerce platforms, accounting or ERP systems, a checkout extension, and an API.

Our read: this is the fit for a brand that wants a provider to decide credit, run receivables, and advance cash, and that will accept a quote in exchange. The limitation is cost clarity. Ask for a sample invoice priced at your order size, because the page gives no fee percentage.

Trade press context: Resolve raised $25 million in equity funding in 2021, according to TechCrunch (2021). The same article quotes its CEO describing "net terms-as-a-service," which is the financed model in one phrase. Evidence page: Resolve's pricing page.

Billie

Vendor-stated: Billie offers flexible buyer terms and says the merchant is paid upfront. Its buyer page lists instalments and a pay-on-account option. Its merchant page names integrations with Stripe, Adyen, Mollie, Klarna, and Kustom, and says merchants can "customize your business payments via API."

Billie terms: flexible 30 to 120 days according to Billie (2026).

Our read: Billie fits a brand that wants a buyer-facing pay-later option at checkout and is comfortable with a provider that pays out early. The limitations are coverage and price. Merchant pricing is not on the buyer or ecommerce pages we opened. Third-party listings also disagree about which countries Billie supports, so confirm your markets in writing. Implementation starts with a demo or registration form on Billie's site, then an integration through one of the named payment platforms.

Balance

Vendor-stated: Balance's net terms article says "you get paid on the due date, even if the buyer hasn't paid," in return for taking on credit risk, and it calls this a "0 DSO guarantee." Evidence page: Balance's net terms article.

Our read: Balance fits a brand that wants credit risk and collections handled by a provider but can live with payment on the due date rather than upfront. That is a different cash profile from the upfront models, and the "0 DSO guarantee" is a vendor claim to test in the contract. The public site names no specific platforms and lists no price, so the first call should cover which checkout platforms are supported and what the fee structure is.

Two

Vendor-stated: Two's in-store page says "As soon as an in-store order is approved and confirmed, Two pays you upfront," and that its verification "takes less than 2 seconds for returning buyers," according to Two (2026).

Our read: Two fits a brand that sells both through a webstore and in person and wants instant credit at checkout plus repeat-buyer trade accounts. Its public site lists Shopify, WooCommerce, and Magento among supported platforms and describes an API for custom builds. Two's own pages say "Contact sales" for pricing, and the instalment product is described in one line, so ask for the mechanics before you commit. The upfront statement is specific to in-store orders on the page we opened.

Shopify native terms

Vendor-stated: Payment terms are set per company location, for all locations in a company, or on individual draft orders. Fixed-date terms are available only on draft orders, and deposit requirements are available only on the Shopify Plus plan.

Our read: native terms fit a brand already on Shopify that sells to business customers through company accounts and wants terms that follow each location. The limitations are the ones a process owner must plan for. The help page does not mention credit limits, so it does not show how you would cap exposure to one buyer. Because terms start from the order day, a buyer's clock can start before you issue an invoice. If you need upfront payment, native terms do not provide it.

Evidence: Shopify's payment terms help page and the plan prices above.

BigCommerce B2B Edition

Vendor-stated: B2B Edition is described as "managing purchase orders, credit cards, and net terms per account," with quote workflows, company account credit management, and invoicing. Evidence page: BigCommerce's B2B Edition page.

Our read: this fits a BigCommerce store that needs account-level pricing, quotes, and net terms managed per account. The page shows no price, and it does not say the seller is paid early. Treat the terms as your own credit exposure unless your contract says otherwise. Reseller sites describe B2B Edition as an add-on with custom pricing; we did not confirm that on BigCommerce's own pages, so ask for it in writing.

Build, buy, or stitch it together

Many small brands already run part of a custom stack: invoices in an accounting or payments tool, reminders in email, and credit decisions in a spreadsheet. Stripe's invoice reference says due_date is "null for invoices where collection_method=charge_automatically," and that a send_invoice collection method emails payment instructions to the customer, according to Stripe's invoice reference. So a reminder workflow only works on invoices sent with send_invoice, and only if the due date is set on the invoice itself.

The fair comparison is this. Zapier-style builds can keep run histories, error branches, and retries when they are configured, so the choice is not between a tool and a spreadsheet. What stays with you is design: making a retried step safe so a reminder is not sent twice, writing escalation rules, controlling who can see buyer data, and maintaining the flow when a connected app changes its API.

US Tech Automations would describe this as a configurable workflow, not a deployed one. For a store that issues net-terms orders, a proposed design could trigger when a new order is created, pull the buyer's open balance and past-due amount from an export or API, compare them with the limit the owner has set, and send any order over that limit to a review queue with the invoice history attached. Its prerequisites are order access through the store's API or a webhook, a balance export from the accounting system, and named approvers. The review points stay with people: a person decides every credit hold and approves every buyer-facing message.

Collections after the due date

Late payment is where net terms usually hurt. The due date passes, someone has to notice, check whether the buyer paid through a provider, a bank, or not at all, and decide whether to send a reminder or pause the next order. When that work sits in one person's inbox, it tends to get done late or not at all.

A proposed design from US Tech Automations could handle the routine part. The trigger is an invoice whose due date has passed with no payment recorded. The action is a draft reminder with the invoice number, amount, and days past due, queued for the accounts receivable owner. The output is a daily exception list showing buyer, amount, days late, and owner. Prerequisites include invoice status through an API or CSV export, and payment status from the financed provider's dashboard or export if you cannot reach its data programmatically. The review point is the owner, who approves every reminder and decides whether a late account is put on hold.

What a 30-day wait costs in cash

Take an illustrative brand that invoices $40,000 of wholesale orders in one month on Net 30, and assume for the example (not as a benchmark) that its buyers pay 12 days after the due date, so the cash arrives on day 42. On native terms, the brand waits 42 days for all $40,000 (30 + 12 = 42). With a financed provider paying at a 75 percent advance, which is one of Resolve's typical rates according to Resolve (2026), the brand receives $30,000 at approval (0.75 × $40,000 = $30,000), and the remaining $10,000 arrives after the buyer pays, less a fee that is quote-based and therefore left as a variable here. If the invoices run through Stripe with collection_method set to send_invoice, the due_date field carries the 30-day date that the reminder workflow depends on, so the cash math is only as good as that date.

Common mistakes

• Treating the due date as the payment date. Plan around the day cash lands, not the day it is due.

• Offering Net 60 or Net 90 to every buyer. Longer terms widen your exposure, so set them by buyer rather than by default.

• Assuming native terms cap your exposure. The Shopify help page describes when payment is due, not a credit limit.

• Comparing a financed fee with a bank rate and skipping the late-payment cost you carry without one.

• Signing without a written answer on who absorbs a default and how a disputed invoice is handled.

• Automating reminders without a named human approver for each message.

Decision checklist

• Who carries the risk if a buyer never pays: you, the provider, or a shared split?

• Is the seller paid upfront, on the due date, or only when the buyer pays?

• Which of your buyers need Net 30, and which need a longer term?

• Does the platform or plugin you use integrate with the option you are considering?

• Which fees are published, and which must be quoted in writing?

• Who owns each exception on the overdue list, and how fast must they act?

Questions buyers ask before choosing

When NOT to use US Tech Automations: a simpler option wins in three cases. If you run on Shopify, your buyers pay on time, and the only problem is setting terms per company location, native terms need no outside workflow. If you want a provider to take default risk and decide credit on the first order, one of the financed providers already does that, and a custom build would add review work rather than remove it. If you have only a handful of open invoices a month, a reminder from your accounting tool may be enough, and a workflow adds maintenance you do not need.

Does Shopify's native net terms protect me if a buyer never pays?

No, Shopify's help page describes when payment is due and how terms are set, not who absorbs a default. Treat native terms as a timing tool and confirm your default exposure with your own credit policy.

Which options pay the seller before the buyer pays?

Resolve Pay, Billie, and Two describe paying the seller early, while Balance describes paying on the due date instead. Shopify native terms leave the wait with the seller, and BigCommerce's page does not say.

Can a brand offer Net 60 or Net 90?

Yes on Shopify, which lists net 60 and net 90 as options, and Billie's buyer page describes flexible terms from 30 to 120 days. Whether a given buyer qualifies for the longer term is decided by the provider or by your own policy.

Do I need an API to automate reminders?

Not always, but a reminder workflow needs invoice status and payment status from somewhere, such as an export, a webhook, or API access. Stripe's invoice object exposes due_date and collection_method, which is where the due-date logic would start.

Which of these publish merchant prices?

Only Shopify publishes plan prices on its pricing page. Resolve Pay's pricing is quote-based, and the Billie, Balance, Two, and BigCommerce B2B Edition pages we opened do not publish a merchant price.

Is a custom Zapier build enough for a small brand?

For a small number of invoices it can be, if you own the failure handling. Zapier's error handlers and history give you visibility, but the approvals, duplicate-send protection, and access controls are your job to design and maintain.

Choose the path before the vendor

Start with who should carry the buyer's wait and default. Native terms keep that risk with you and cost only what your platform costs, so they suit a brand whose buyers pay on time. Financed providers pay you earlier and price the risk, so they suit a brand whose cash gap is the actual problem, provided you get the fee in writing. A custom stack gives you control and asks you to run it. To see how a proposed workflow could be configured around your own order and invoice data, see how US Tech Automations configures this.