Shopify B2B net terms: the complete guide
Payment terms are now on every Shopify plan. Here is how they work, where they stop, and what you need around them to get paid on time.
In short
- Since 2 April 2026, Basic, Grow and Advanced include company profiles, B2B catalogs, vaulted cards and payment terms. Plus keeps a few extras.
- Shopify offers due on fulfilment, Net 7 to Net 90 and fixed-date terms, set per company location.
- When an invoice goes overdue, Shopify marks it and can send one reminder. It does not block orders, check a limit or report aging.
- A working net terms setup adds a credit limit, a hold rule, a reminder sequence, a way to collect and an aging report.
What changed in 2026
Until 2026, native B2B on Shopify was a Plus feature. On 2 April 2026 Shopify brought its core B2B tools to the Basic, Grow and Advanced plans at no extra cost: company profiles, up to three active B2B catalogs assigned through Markets, volume pricing, vaulted credit cards and payment terms.
Some things remain Plus-only, including unlimited catalogs, catalogs assigned directly to a company, and deposits or partial payments. Payment terms themselves are available on every paid plan.
The practical effect is that thousands of stores that used to run wholesale through a separate system, a password-protected page or a spreadsheet can now do it in Shopify. That is good news for selling. It also means a lot of merchants are offering trade credit for the first time, with none of the tools that larger wholesalers take for granted.
The payment terms Shopify offers
| Term | When payment is due | Typical use |
|---|---|---|
| Due on receipt | As soon as the invoice is sent | Proforma-style trade, new accounts |
| Due on fulfilment | When the order is fulfilled | Made-to-order goods, pre-orders |
| Net 7, 15, 30, 45, 60 or 90 | That many days after the order is placed or the invoice is sent | Standard trade credit; Net 30 is the most common |
| Fixed date | On a specific date you set | Seasonal orders with an agreed payment date |
You set a default term on each company location, and can change it on individual orders and draft orders.
How a B2B order on terms flows through Shopify
A contact at the company logs in to your storefront, sees the catalog and prices assigned to their location, and checks out. If the location has payment terms, checkout offers them the choice to pay now or pay on terms; you can also require a saved card at the same time. The order is created with a payment status of pending and a due date calculated from the term.
From then on the order sits in your orders list like any other. When the due date passes without payment, the status changes to overdue. You can send a payment reminder by hand from the order, which emails the buyer a link to pay. When money arrives, by that link or by a bank transfer you mark as paid, the order is paid and the story ends.
That flow is fine for one order. The trouble starts when you have a hundred of them across forty companies.
What Shopify does, and what it leaves to you
Shopify handles
- Company and location records, contacts and roles.
- Catalogs, price lists and volume pricing per location.
- Payment terms and due dates on each order.
- Vaulting a card at checkout, if you require it.
- Marking an order overdue and sending a reminder when you ask.
Left to you
- Deciding how much each company can owe.
- Noticing that an account is overdue before it orders again.
- Stopping the next order from an account that has not paid.
- Reminding on a schedule, by text as well as email.
- Charging the saved card on the due date.
- Seeing the whole book by how late it is.
What happens when an invoice goes overdue
Shopify marks the order's payment as overdue and can send the buyer a payment reminder. That is where it stops. The buyer is not blocked from ordering again, there is no limit on how much they can owe, and there is no aging report of your outstanding balances.
For a handful of trusted buyers, that can be enough. As the number of trade accounts grows, so does the time spent checking who has paid and chasing who has not, and the amount of stock you have shipped without being paid for it.
Our overdue invoices guide goes through this step by step, including a simple process you can run by hand if you are not ready for an app.
What a net terms setup needs around it
- A credit limit per buyer, so one account cannot run up more than you can afford to lose. See credit limits.
- A hold rule, so an overdue account cannot keep ordering. See credit holds.
- A reminder schedule that starts before the due date and reaches a phone, not just an inbox. See payment reminders.
- A way to collect, ideally from the card the buyer saved at checkout. See due-date collection.
- An aging report, so you know your exposure at a glance. See aging report.
- Written trade terms that say all of the above, so none of it is a surprise. See our trade terms template.
Worked example
Forty accounts, one quiet quarter
A homewares brand opens wholesale in April, signs forty stockists on Net 30 and has a good summer. In October, orders slow for everyone. Six stockists are late. Two of them keep reordering for Christmas while owing for September, because nothing stops them. By December the brand has $38,000 outstanding, $21,000 of it late, and the owner is spending Friday afternoons on the phone.
With limits, holds and a reminder sequence in place from April, the two reorders would have paused at 14 days late, the six late accounts would have had three reminders each without anyone lifting a finger, and the aging report would have shown in October which two accounts needed a call. Same buyers, same quarter, a fraction of the exposure.
Setting it up
Create your companies and locations in Shopify, assign a catalog and set the default payment terms for each location. Decide whether to require a saved card at checkout; it costs you nothing and makes due-date collection possible later. Then install a credit control app such as Terms Due to add limits, holds, reminders and collection.
Our Net 30 on Shopify guide walks through the steps, and the credit application guide covers what to ask a buyer before you give them terms at all.
Questions
Is Shopify B2B available on the Basic plan?
Yes. Since 2 April 2026, Basic, Grow and Advanced include company profiles, up to three B2B catalogs, volume pricing, vaulted cards and payment terms.
Can Shopify block orders from customers with overdue invoices?
Not natively. You need to change the company's settings by hand, or use an app like Terms Due that blocks checkout automatically.
Does Shopify B2B have credit limits?
Shopify B2B does not check a company's outstanding balance against a credit limit at checkout. Credit limit apps add this.
Do I need Shopify Plus for net terms?
No. Payment terms are on every paid plan. Plus adds unlimited catalogs, company-assigned catalogs and deposits.
Can a buyer pay an overdue Shopify invoice by card?
Yes. The payment reminder Shopify sends, and every reminder Terms Due sends, carries a link to a secure page where the buyer pays by card and the order is marked paid.
What is the difference between net terms and a deposit?
Net terms mean the buyer pays the whole invoice later. A deposit means they pay part now and the rest later. Shopify's deposits are Plus-only; our sister app Balance Due handles deposits on every plan.
Related
Offering Net 30 on Shopify
A step-by-step guide to offering Net 30 payment terms to wholesale buyers on Shopify, from company setup and trade terms to reminders and collection.
Read moreOverdue invoices in Shopify
What Shopify does and does not do when a B2B invoice passes its due date, and how to stop overdue buyers ordering and get paid faster.
Read morevs Shopify payment terms
What Shopify's native B2B payment terms do, what they leave to you, and what Terms Due adds: credit limits, holds, reminders, collection and aging reports.
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