Net Terms at Checkout: Display Payment Due Dates for B2B Customers

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Last Updated: March 2026

Your wholesale customer logs into your Shopify store, fills a cart with $3,000 worth of inventory, reaches checkout — and sees “Pay now with credit card.” No mention of the Net-30 terms you agreed on. No payment due date. No invoice option. They pick up the phone and call you instead. Or worse, they leave and order from a competitor whose checkout actually reflects the business relationship you’ve built.

This is the B2B checkout gap. Shopify was built for consumer transactions first, and while the platform has made massive strides in B2B functionality, displaying net terms and payment due dates at checkout remains a challenge for most merchants. The good news is that with the right setup and tools, you can create a checkout experience that speaks your wholesale customers’ language.

This guide walks you through everything: what net terms are, why they matter at checkout, how to display payment due dates for tagged B2B customers, and how to manage the invoice workflow that follows.

What Are Net Payment Terms and Why Do They Matter?

If you’re selling wholesale, you already know the basics. But understanding the nuances helps you build a better checkout experience.

Net-30, Net-60, Net-90 Explained

Net terms define the number of days a buyer has to pay an invoice after it’s issued:

Net 30 — Payment is due within 30 calendar days. This is the most common B2B payment term across virtually every industry. It strikes a balance between giving buyers time to process invoices internally and keeping your cash flow moving.
Net 60 — Payment is due within 60 days. Common in industries involving larger purchases, longer project timelines, or where buyers have more complex internal approval chains. Construction, commercial equipment, and professional consulting frequently use Net 60.
Net 90 — Payment is due within 90 days. Reserved for large-scale transactions, government contracts, or deeply established customer relationships. Net 90 puts significant strain on the seller’s cash flow, so it’s typically offered only to high-trust accounts.

There are also variations like 2/10 Net 30, which means the buyer gets a 2% early payment discount if they pay within 10 days, otherwise the full amount is due in 30 days. This is a proven strategy to incentivize faster payment.

The B2B Payment Reality

The numbers tell a compelling story about why net terms matter:

The global B2B ecommerce market reached $32.8 trillion in 2025 and is projected to hit $61.9 trillion by 2030
80% of B2B sales are now generated digitally, up from just 13% in 2019
61% of B2B buyers now prefer buying journeys that don’t involve a sales representative
B2B organizations with ecommerce storefronts expect 42% revenue growth over the coming year

Your wholesale customers expect a self-service digital experience. That includes seeing their payment terms reflected at checkout — not buried in a PDF agreement they signed six months ago.

Why Net Terms Increase Conversions

Here’s the business case: offering deferred payment options at checkout can increase B2B conversion rates by 20 to 30%. When a wholesale buyer sees their agreed-upon net terms clearly displayed, it removes the friction of immediate payment and signals that you value the business relationship.

Net terms also increase average order values. When buyers aren’t constrained by immediate cash outflow, they order more. This is why IDC predicts nearly $500 billion in B2B buy-now-pay-later transactions by 2026.

The Shopify B2B Checkout Challenge

Shopify has invested heavily in B2B capabilities, but there’s still a significant gap between what wholesale customers expect at checkout and what most Shopify stores deliver.

What Shopify Plus Offers Natively

If you’re on Shopify Plus, you get built-in B2B features:

Company profiles with multiple locations, each with their own payment terms
Payment terms options including Net 15, Net 30, Net 45, Net 60, and Due on Fulfillment
Due date display at checkout, on the thank you page, and in the customer account portal
Deposit collection — require a percentage upfront with the balance on net terms
Self-service payment — customers can log in and pay outstanding invoices before the due date

This is solid functionality. But it requires Shopify Plus (starting at $2,300/month), and even Plus merchants run into limitations around customization, conditional logic, and managing blended B2B/D2C stores.

What Standard Shopify Plans Lack

For merchants on Basic, Shopify, or Advanced plans, there’s no native B2B payment terms functionality. You can’t:

Set net terms per customer or customer group
Display payment due dates at checkout
Conditionally show invoice payment options only to wholesale customers
Hide consumer payment methods (credit card, PayPal, Afterpay) for B2B buyers
Add custom checkout messages about payment terms

This is where most Shopify B2B merchants hit a wall. They’ve tagged their wholesale customers, they’ve agreed on payment terms — but the checkout experience doesn’t reflect any of it.

The Blended Store Problem

Many Shopify merchants serve both retail (D2C) and wholesale (B2B) customers on the same storefront. This creates a specific checkout challenge:

Retail customers need standard payment options (credit card, PayPal, Shop Pay)
Wholesale customers need invoice/net terms options
Showing both sets of options to everyone creates confusion
Running two separate stores doubles your operational overhead

The solution is conditional checkout logic — showing different payment methods, messages, and options based on who’s checking out. That’s exactly what checkout customization apps are designed to do.

Common Pain Points Merchants Report

Based on community discussions and merchant feedback, these are the most frequent B2B checkout frustrations:

Pain Point	Impact
No net terms display at checkout	Wholesale customers call or email to place orders manually
Consumer payment methods shown to B2B buyers	Confusion and accidental credit card payments
No due date visibility	Late payments and collection issues
Manual invoice generation	Hours of admin work per week
No PO number collection at checkout	Accounting reconciliation nightmares
Same checkout for all customer types	Poor experience for both B2B and D2C buyers

How to Display Net Terms for Tagged Wholesale Customers

The most practical approach for non-Plus Shopify merchants is a tag-based system combined with checkout customization. Here’s how to set it up.

Step 1: Create a Customer Tagging System

Your tagging system is the foundation. Every wholesale customer needs a tag that identifies their payment terms:

Recommended tag structure:

wholesale — General wholesale customer identifier
net-30 — Customer approved for Net 30 terms
net-60 — Customer approved for Net 60 terms
net-90 — Customer approved for Net 90 terms
cod-only — Cash on delivery / prepayment required (new wholesale accounts)

You can apply these tags manually in Shopify Admin under Customers > [Customer Name] > Tags, or automate tagging through Shopify Flow based on a credit application approval process.

Tiered approach by relationship stage:

Customer Stage	Recommended Terms	Tag
New/unverified wholesale buyer	Prepayment or Net 7-15 with 20-50% deposit	`wholesale`, `cod-only`
Established buyer (good payment history)	Net 30-45 with minimal or no deposit	`wholesale`, `net-30`
Strategic/repeat buyer	Net 60-90 with favorable terms	`wholesale`, `net-60` or `net-90`

This tiered system protects your cash flow while rewarding loyalty and building trust over time.

Step 2: Configure Checkout Rules Based on Tags

This is where Kedra Checkout Rules comes in. The app lets you create conditional checkout logic based on customer tags — no coding required.

Rule 1: Hide consumer payment methods for wholesale customers

When a customer tagged wholesale checks out:

Hide credit card payment
Hide PayPal
Hide Shop Pay / Apple Pay / Google Pay
Hide Afterpay / Klarna / any BNPL options
Show only “Invoice” or “Manual Payment”

This immediately signals to the wholesale customer that their account is set up for business purchasing, not consumer checkout.

Rule 2: Rename the payment method to show net terms

For customers tagged net-30:

Rename “Manual Payment” → “Invoice — Net 30 (Payment Due Within 30 Days)”

For customers tagged net-60:

Rename “Manual Payment” → “Invoice — Net 60 (Payment Due Within 60 Days)”

For customers tagged net-90:

Rename “Manual Payment” → “Invoice — Net 90 (Payment Due Within 90 Days)”

Now your wholesale customer sees their exact payment terms right at checkout. No ambiguity. No phone calls. No friction.

Rule 3: Display custom checkout messages

Add a checkout message for tagged wholesale customers:

“Your order will be invoiced on your Net 30 terms. Payment is due within 30 days of the invoice date. For questions about your account terms, contact wholesale@yourstore.com.”

This reinforces the terms and provides a clear escalation path.

Step 3: Set Up Conditional Shipping for Wholesale Orders

B2B orders often have different shipping requirements than retail orders. Use Kedra Checkout Rules to customize shipping display for wholesale customers:

Show freight/pallet delivery options only for wholesale-tagged customers
Hide standard consumer shipping (USPS Priority, etc.) for bulk wholesale orders
Rename shipping methods for B2B context: “Business Delivery (3-5 Days)” instead of “UPS Ground”
Apply shipping discounts for wholesale customers who meet minimum order thresholds

Step 4: Add Purchase Order Number Collection

Most B2B buyers need to submit a purchase order (PO) number with every order for their internal accounting. While Shopify doesn’t natively support PO fields at checkout for standard plans, you can:

Use the cart notes field and relabel it as “Purchase Order Number”
Use checkout UI extensions (if available on your plan) to add a dedicated PO field
Include PO number instructions in your checkout custom message

Capturing PO numbers at the point of sale eliminates back-and-forth emails and speeds up invoice reconciliation.

Step 5: Implement Minimum Order Values

Wholesale accounts typically have minimum order requirements. Set these up as validation rules:

If customer is tagged wholesale and cart total is below $500, display a message: “Wholesale minimum order is $500. Please add more items to proceed.”
If customer is tagged net-60 and cart total is below $1,000 (because you require higher minimums for extended terms), block checkout with an appropriate message

This prevents small orders from clogging your wholesale fulfillment pipeline and protects the economics of offering net terms.

Managing the Invoice Workflow After Checkout

Getting the checkout right is only half the equation. You also need a streamlined process for everything that happens after a net terms order is placed.

The Post-Order Invoice Workflow

Here’s the workflow that successful B2B Shopify merchants follow:

1. Order placed → Tag and alert When a wholesale order comes in with net terms, it should be automatically tagged (e.g., net-30-order) and your finance team should be notified. Shopify Flow can automate this.

2. Order fulfilled → Invoice generated After shipment, generate the formal invoice with:

Invoice number
Order details and line items
Payment terms (Net 30/60/90)
Due date (calculated from invoice date)
Payment instructions (bank transfer, ACH, check)
Any early payment discount terms

3. Invoice sent → Payment tracking begins Email the invoice to the customer’s accounts payable contact. Start your Days Sales Outstanding (DSO) tracking clock.

4. Payment reminder sequence

7 days before due date — Friendly reminder email
Due date — Payment due notification
7 days past due — First overdue notice
14 days past due — Second overdue notice with late fee warning
30+ days past due — Escalation to collections process

5. Payment received → Reconciliation When payment arrives (ACH, wire, check), match it to the outstanding invoice and mark the order as paid in Shopify.

Automating the Workflow

Manual invoice management doesn’t scale. Here are the key automation opportunities:

Shopify Flow automations:

Auto-tag orders based on customer tags
Send internal notifications when wholesale orders are placed
Trigger email sequences based on order status changes

Accounting integrations:

QuickBooks, Xero, or NetSuite sync for automatic invoice creation
Automated payment reconciliation when payments clear
Real-time accounts receivable aging reports

Email automation:

Automated invoice emails upon fulfillment
Payment reminder sequences
Overdue notification escalation

Tracking Days Sales Outstanding (DSO)

DSO is your most important metric for managing net terms. It measures the average number of days it takes to collect payment after a sale.

DSO Formula: (Accounts Receivable / Total Credit Sales) x Number of Days

Benchmark DSO by terms offered:

Payment Terms	Target DSO	Acceptable DSO	Problem DSO
Net 30	25-30 days	31-40 days	41+ days
Net 60	50-60 days	61-75 days	76+ days
Net 90	80-90 days	91-105 days	106+ days

If your DSO consistently exceeds the acceptable range, you may need to tighten your credit approval process, offer early payment incentives, or adjust terms for specific customers.

The reality of B2B payments is sobering: 55% of all B2B invoiced sales in the U.S. are overdue, and the average company loses $39,406 annually to late payment expenses. A solid workflow and proactive communication dramatically reduce these costs.

Credit Management: Protecting Your Cash Flow

Offering net terms is essentially extending credit to your customers. Managing that credit responsibly is critical to your business health.

Setting Credit Limits

Every wholesale customer with net terms should have a credit limit — the maximum outstanding balance they can carry at any time. Without limits, a single customer’s overdue balance can seriously impact your cash flow.

Credit limit guidelines:

Customer Tier	Suggested Credit Limit	Rationale
New wholesale (first 3 months)	1x average order value	Limit exposure while building trust
Established (3-12 months, good history)	2-3x average order value	Reward consistent payment
Strategic (12+ months, excellent history)	4-5x average order value	Support growth of key accounts

When a customer approaches their credit limit, your checkout should ideally block additional net terms orders and require prepayment. While fully automated credit limit enforcement requires custom development or specialized apps, you can approximate this with customer tag management — moving a customer from net-30 to cod-only when they hit their limit, then restoring their tag once the balance is cleared.

Early Payment Incentives

The classic 2/10 Net 30 discount remains effective: offer a 2% discount for payment within 10 days. On a $5,000 invoice, that’s a $100 savings for the buyer and 20 days of faster cash flow for you.

Other incentive structures:

1/15 Net 45 — 1% discount for payment within 15 days on 45-day terms
Tiered discounts — Better terms for customers who consistently pay early
Volume-based terms — Extend from Net 30 to Net 45 when annual purchases exceed a threshold

When to Tighten or Revoke Terms

Watch for these warning signs:

Consecutive late payments — Two or more invoices past due should trigger a review
Increasing DSO trend — A customer whose DSO is creeping upward needs attention
Partial payments without communication — Could indicate cash flow problems
Unresponsive accounts payable — Difficulty reaching the payment contact is a red flag

Don’t wait for a crisis. Proactively adjust terms when you see warning patterns. It’s easier to preserve a relationship by having an honest conversation about payment terms than to recover from a collections situation.

Building Different Checkout Experiences for B2B vs D2C

The most powerful application of checkout rules is creating entirely separate checkout experiences for different customer types — all on the same Shopify store.

The Retail Customer Experience

When an untagged (retail) customer checks out, they see:

Credit card, PayPal, Shop Pay, Apple Pay, Google Pay
Standard shipping options with consumer-friendly names
No invoice option, no PO field, no minimum order requirement
Standard promotional messaging

The Wholesale Customer Experience

When a customer tagged wholesale + net-30 checks out, they see:

Invoice payment only (all consumer methods hidden)
Payment method renamed: “Invoice — Net 30 (Due Within 30 Days)”
Custom message: “Your wholesale order will be invoiced on Net 30 terms”
Business shipping options (freight, bulk delivery)
Minimum order validation
PO number collection prompt

The New Wholesale Customer Experience

When a customer tagged wholesale + cod-only (not yet approved for terms) checks out:

Credit card and bank transfer options visible
PayPal and BNPL options hidden
Custom message: “Prepayment required for new wholesale accounts. Contact us to apply for net terms.”
Business shipping options
Minimum order validation

This segmented approach eliminates confusion for both customer types and creates a professional, tailored experience that reinforces your business relationships.

Setting It Up with Kedra Checkout Rules

Kedra Checkout Rules makes this segmentation straightforward:

Create a rule for wholesale customers — Condition: customer tag contains “wholesale”. Action: hide PayPal, hide Shop Pay, hide Afterpay/Klarna.
Create a rule for net-30 customers — Condition: customer tag contains “net-30”. Action: rename “Manual Payment” to “Invoice — Net 30 (Payment Due Within 30 Days)”.
Create a rule for net-60 customers — Condition: customer tag contains “net-60”. Action: rename “Manual Payment” to “Invoice — Net 60 (Payment Due Within 60 Days)”.
Create a rule for cod-only customers — Condition: customer tag contains “cod-only”. Action: hide “Manual Payment” (force prepayment).
Create shipping rules — Show freight options only for wholesale-tagged customers; hide consumer shipping for orders over certain weights.

Each rule takes minutes to configure, and they work together to create a cohesive, professional B2B checkout experience.

Common Mistakes to Avoid with B2B Net Terms

Setting up net terms is straightforward. Managing them well requires avoiding some common pitfalls.

Offering Net Terms to Everyone

Not every wholesale customer deserves Net 30 from day one. Offering terms to new, unverified buyers is essentially extending unsecured credit to strangers. Start new accounts on prepayment or short terms (Net 7-15) with a deposit requirement. Earn your way to Net 30+ through demonstrated payment reliability.

Not Segmenting by Customer Tier

A first-time buyer and a three-year account with perfect payment history shouldn’t have the same terms. Use your customer tagging system to differentiate:

New accounts: wholesale, cod-only
Approved accounts: wholesale, net-30
Premium accounts: wholesale, net-60 or net-90
Accounts on hold: wholesale, terms-suspended

Update tags as relationships evolve. This isn’t set-and-forget — it’s active account management.

Ignoring Late Payment Patterns

55% of all B2B invoiced sales in the U.S. are overdue. That’s not a statistic to accept — it’s a problem to manage. If you’re not actively tracking DSO by customer, you’re flying blind. Set up automated reminders, enforce late fees consistently, and have a clear escalation process.

Making Invoice Payment the Only Option

Even Net 30 customers sometimes want to pay immediately — maybe they have budget to use before quarter-end, or they want to take advantage of an early payment discount. Don’t force them into deferred payment. Show the invoice option prominently but also allow immediate payment methods as a secondary option for wholesale customers who prefer it.

Skipping the Credit Application Process

A proper credit application collects:

Business registration details
Tax identification number
Bank references
Trade references
Requested credit limit and terms

This documentation protects you legally and gives you the information needed to make informed credit decisions. Don’t skip it just because a customer says they’re wholesale.

Not Communicating Terms Clearly at Checkout

This is the whole point of this guide. If your wholesale customer reaches checkout and can’t see their payment terms, due date, or invoice option, you’ve created unnecessary friction. Clear communication at the point of purchase prevents disputes, reduces support load, and builds confidence in your business.

The Shopify Scripts Migration Opportunity

If you’re currently using Shopify Scripts for any B2B checkout customization, take note: Shopify Scripts will be sunset on June 30, 2026. Starting April 15, 2026, Scripts can no longer be edited or published.

This is actually a good thing for B2B merchants. The replacement — Shopify Functions and the Checkout Extensibility framework — is significantly more powerful:

Payment Customization Functions — Hide, reorder, and rename payment methods
Delivery Customization Functions — Hide, reorder, and rename shipping methods
Validation Functions — Enforce business rules like minimum order values
Checkout UI Extensions — Add custom UI elements like PO number fields and term information banners

Apps like Kedra Checkout Rules build on this modern framework, giving you access to these capabilities through a no-code interface. If you haven’t migrated yet, now is the time — and you’ll likely end up with a better B2B checkout experience than you had with Scripts.

Measuring the Impact of Your B2B Checkout Optimization

Once you’ve set up net terms display and conditional checkout logic, track these metrics to measure success.

Primary Metrics

B2B order conversion rate — What percentage of wholesale customers who start checkout complete their order? This should increase significantly after implementing clear net terms display.
Manual order volume — How many wholesale orders are still placed by phone or email? This number should drop as customers gain confidence in the self-service checkout.
DSO by customer segment — Are customers paying faster when terms are clearly communicated at checkout? Clarity reduces disputes and “I didn’t know the terms” delays.

Secondary Metrics

Average B2B order value — Net terms visibility often encourages larger orders since buyers aren’t constrained by immediate cash outflow.
Wholesale support tickets — Questions about payment terms, due dates, and invoice status should decrease.
Customer retention rate — B2B buyers stick with suppliers who make purchasing easy. A professional checkout experience contributes to retention.
Time to first reorder — A smooth initial checkout experience accelerates the second order.

What Success Looks Like

A well-optimized B2B checkout should deliver:

80%+ of wholesale orders placed through self-service checkout (vs. phone/email)
DSO within 5 days of the stated terms (e.g., DSO of 35 or below for Net 30)
Less than 5% of B2B support tickets related to payment terms or checkout confusion
20-30% increase in B2B conversion rate compared to pre-optimization baseline

Final Thoughts

B2B ecommerce is growing at an extraordinary pace, and the merchants who thrive will be the ones who create checkout experiences that match the sophistication of their wholesale relationships. Displaying net terms at checkout isn’t a nice-to-have — it’s table stakes for serious B2B selling.

Your wholesale customers have already agreed to buy from you. They’ve negotiated terms, placed trust in your products, and committed to a business relationship. The least your checkout can do is reflect that relationship accurately.

Start with the basics: tag your wholesale customers, hide consumer payment methods for B2B buyers, and rename your invoice payment option to clearly show net terms and due dates. Then layer in minimum order validation, conditional shipping, and custom messaging. With Kedra Checkout Rules, you can set this up in minutes without writing a single line of code — and start converting more wholesale customers through self-service checkout immediately.

The era of “call us to place a wholesale order” is over. Your B2B checkout should be as professional, clear, and frictionless as the business relationship it represents.