Terms Due vs Shopify's built-in payment terms
Terms Due does not replace Shopify's payment terms. It sits on top of them. Here is what each one does.
Side by side
| Shopify B2B on its own | Shopify B2B with Terms Due | |
|---|---|---|
| Net 7 to Net 90, due on fulfilment, fixed date | Yes | Yes, uses Shopify's terms |
| Vaulted cards at checkout | Yes | Yes, uses Shopify's vault |
| Payment reminder email | One, sent by hand from the order | Scheduled sequence before and after the due date |
| Text message reminders | No | Yes |
| Credit limit checked at checkout | No | Yes |
| Block orders from overdue accounts | Manual | Automatic, lifted on payment |
| Charge saved card on the due date | Manual, from the order | Automatic, with notice and retries |
| Aging report | No | Yes |
| Monthly statements and a pay-now page | No | Yes |
| UK statutory interest and compensation | No | Yes |
| Editable reminder wording with your logo | No | Yes |
| Weekly digest of who owes what | No | Yes |
Based on Shopify's published B2B features as of October 2026. Shopify adds features regularly, so check its help centre for the latest.
What Shopify does well
The company model is good: companies, locations, contacts with roles, catalogs and price lists per location, and payment terms per location. Checkout on terms is clean, vaulting a card is one setting, and the order carries its due date and payment status like any other. Since April 2026 all of this is on every paid plan.
Terms Due relies on all of it. Companies, locations, terms, orders and payments stay in Shopify. The app reads them, adds the credit control around them, and writes payments back to the orders so your reports and integrations keep working.
The day an invoice goes overdue
Shopify alone
- The order's payment status changes to overdue.
- Nobody is told unless someone is filtering the orders list.
- The buyer can place their next order on the same terms.
- Someone clicks Send reminder, once, when they notice.
- To stop further orders, someone edits the company's terms and must remember to put them back.
With Terms Due
- The buyer already had a heads-up five days ago and a due-today text this morning.
- A week later an overdue notice goes by email and text, with the invoice attached.
- At 14 days the company is on hold and checkout says so.
- Payment lifts the hold within minutes and restores the terms.
- You see it all on the aging report and in Monday's email.
When Shopify on its own is enough
If you have a few trade buyers who always pay on time, Shopify's payment terms and its reminder email may be all you need. Many merchants run five or ten accounts that way for years.
Once you have more accounts than you can keep in your head, or one buyer has already cost you money, the missing pieces are limits, holds and a reliable collection routine. That is what Terms Due adds. The tipping point is usually somewhere between fifteen and thirty trade accounts, or the first bad debt, whichever comes first.
Worked example
The same reorder, two ways
Harbour and Pine owe $40,120 across four invoices, the oldest 68 days late, and try to place a $3,800 reorder on Net 30.
On Shopify alone, the order goes through. The overdue invoices are visible on the orders list if someone looks, and the balance is now $43,920. On Shopify with Terms Due, checkout stops with the amount owed and a pay link, because the account is over its $25,000 limit and past the 14-day grace period. The buyer pays $22,440 that afternoon, the hold lifts, and the reorder goes through an hour later with the balance at $21,480 instead of $43,920.
| Balance before reorder | $40,120 |
|---|---|
| Shopify alone, after reorder | $43,920 |
| With Terms Due, after payment and reorder | $21,480 |
What stays exactly the same
- Where you manage companies, locations, contacts and catalogs: Shopify admin.
- Where payment terms are set: the company location, or the order.
- Where orders live and where payments are recorded: the Shopify order.
- Your storefront, prices and checkout, apart from the hold message when it applies.
- Your accounting integration, which sees paid orders as it always has.
Questions
Do I have to change how I set up companies in Shopify?
No. Keep managing companies, catalogs and payment terms in Shopify. Terms Due reads them.
Does Terms Due change my buyers' payment terms?
Only when a hold applies, and only for the duration of the hold. When the balance is paid the terms are restored exactly as they were.
Will Shopify add these features itself?
Possibly, over time. Shopify's B2B roadmap has focused on catalogs, checkout and ordering. If it adds credit control, Terms Due will use it rather than duplicate it, as it already does with payment terms and vaulted cards.
Does Terms Due work on Shopify Plus?
Yes, on every plan with native B2B: Basic, Grow, Advanced and Plus.
Can I keep using Shopify's reminder email as well?
You can, but there is no need, and two reminders on the same day confuse buyers. Let Terms Due run the sequence.
Related
Shopify B2B net terms
How Shopify B2B payment terms work on every plan in 2026, what Shopify does and does not do when invoices go overdue, and how to add credit control.
Read moreCredit holds
Put Shopify B2B companies on credit hold automatically when an invoice is overdue or they pass their limit. New orders are blocked at checkout until they pay.
Read moreCredit limits
Set a credit limit for each Shopify B2B company. Terms Due checks open balance plus the new order before checkout, so no buyer runs up more than you agreed.
Read moreStop chasing wholesale invoices by hand
Install Terms Due, set a credit limit for each buyer and let the app hold, remind and collect.
Install on Shopify