Shopify Net Terms: How to Offer Net 30/60/90 to Wholesale Buyers
Net payment terms are not a perk you offer wholesale buyers. They are a baseline expectation. Most enterprise buyers and distributors operate on terms as a matter of purchasing policy, and for manufacturers building a formal wholesale channel, the ability to offer Net 30, Net 60, or Net 90 at checkout is often the difference between getting a purchase order and not.
Shopify's native B2B layer now includes net terms on every paid plan as of April 2026. Getting them configured is not complicated. What is less documented is how the full payment workflow actually operates: how buyers experience it at checkout, how you collect on it after fulfillment, and where Shopify's tracking stops and your accounts receivable process has to begin.
Shopify net terms are B2B payment conditions that allow wholesale buyers to place orders and pay within a defined period after the order date. Shopify supports six native term lengths: Net 7, Net 15, Net 30, Net 45, Net 60, and Net 90. All terms run from the date the order is placed. Terms are assigned at the company or company location level in Shopify's B2B admin, and they are enforced automatically at checkout for the buyer without any manual intervention on a per-order basis.
Net terms are distinct from standard payment at checkout. A buyer assigned Net 30 places the order, Shopify creates it with a payment due date 30 days out, and the order enters your fulfillment workflow without payment collected upfront. You fulfill the order, then collect payment separately through the invoice flow. Shopify's official payment terms documentation covers configuration steps for assigning terms at the company and location levels.
Net terms are included on every paid Shopify plan: Basic, Grow, Advanced, and Plus. This expanded in April 2026 when Shopify moved its foundational B2B feature set to all paid plan tiers. Before that, net payment terms were gated behind a Shopify Plus contract.
For the full picture of what the April 2026 expansion covered across plan tiers, the Shopify B2B on all plans guide covers every feature in detail.
One net terms-related feature that remains Plus-only is deposits: collecting a partial upfront payment alongside a deferred balance on the same order. For the standard Net 30/60/90 flow without a deposit component, every paid plan has full access.
When a buyer logged in to their company account reaches checkout on a store where their assigned company location has net terms set, the checkout presents those terms as the default payment method. No credit card required. The buyer places the order on account, sees the payment due date on their confirmation, and the order goes through.
The purchase order number field is part of this same checkout flow. Wholesale buyers can enter their internal PO number before submitting the order. That number comes through with the order in your Shopify admin and appears on any invoices generated from it, which is a standard requirement for any enterprise buyer's accounts payable workflow.
From the buyer's perspective, the experience is clean. Terms are pre-set on their company account. They know what they owe and when it is due before they submit. There is no back-channel negotiation, no separate form, and no requirement to contact a sales rep to place an order on terms.
Placing the order is automatic. Collecting payment on the due date is a separate process that Shopify gives you tools to manage but does not run end-to-end.
Payment request emails. When an order is ready for collection, Shopify can generate a payment request email sent to the buyer. This email includes a link to a hosted payment page where the buyer pays using any method you have enabled, including credit card via Shopify Payments or bank transfer instructions. The payment request can be sent immediately after fulfillment or timed to the due date, depending on your collection process. Shopify's deferred payment management documentation walks through the full collection workflow step by step.
Automated payment reminders. Shopify lets you configure automated reminder emails at set intervals before and after the due date. These go to the buyer contact on file. The cadence is configurable by terms length, so a Net 90 account can have a different reminder schedule than a Net 30 account.
Manual mark-as-paid. If a buyer pays by bank transfer, check, or wire outside the Shopify invoice link, you mark the order as paid in the admin once payment is confirmed on your end. This is common for buyers who have established payment procedures and do not use the online payment link.
Operational note for wholesale operators: Shopify tracks whether a net terms order is outstanding or paid at the order level. It does not produce an accounts receivable aging report, and it does not automatically sync to an ERP or accounting system. If your finance team manages AR outside Shopify, what happens in Shopify stays in Shopify unless you have a connector that bridges the two. This gap is covered in detail below.
Net terms are assigned at two levels in Shopify B2B: the company level, which applies across all locations under that company, or the company location level, which allows different terms for different ship-to accounts under the same buyer.
For wholesale programs with a standard tier structure, company-level assignment is usually simpler. Assign Net 30 to a distributor company and all their locations inherit it automatically. For buyers who operate with separate purchasing authority and billing by location, location-level assignment lets you reflect how the buyer's procurement actually works. A national account with independent regional buyers is a common example: the company is one account, but each regional office might negotiate different terms.
Shopify also supports bulk term assignment for large buyer lists through CSV import. This matters when migrating an existing wholesale program onto Shopify with hundreds of existing accounts. Setting terms on 200 company locations manually one at a time is not realistic. The import flow handles it in a single operation.
For a full explanation of how the company account and location structure in Shopify B2B is organized, the Shopify B2B for wholesale suppliers guide covers the account architecture in detail.
For manufacturers who take orders before production, a straight net terms arrangement does not always match how the transaction actually works. A made-to-order manufacturer typically collects a deposit at order time and defers the remaining balance to a net terms due date at fulfillment or delivery.
Shopify Plus supports deposit collection alongside net terms on B2B orders. The deposit can be a fixed amount or a percentage of the order total. The buyer pays the deposit when the order is confirmed; the balance is deferred to the net terms due date. This is managed through the draft order flow in the Shopify admin rather than through the self-serve checkout, which means a sales rep typically builds the order and sends the invoice to the buyer.
For non-Plus merchants, collecting a deposit on a B2B order requires a workaround: taking the deposit as a separate draft order transaction and adjusting the outstanding balance manually. It works, but it adds steps. If deposit workflows are a standard part of your sales motion with made-to-order or custom-production buyers, that is one of the operationally clearer arguments for Shopify Plus.
Shopify's net terms feature handles the buyer-facing checkout experience well and gives you the basic tools to send invoices and track payment status. It does not cover the full accounts receivable operation that wholesale businesses run alongside it.
No AR aging report. Shopify does not produce an aged receivables report. If you have 50 accounts on net terms at different stages of the payment cycle, knowing which are current, which are approaching due, and which are past due requires exporting order data or connecting a reporting layer. Finance teams that rely on AR aging for cash flow management cannot get that view natively inside Shopify.
No credit limit enforcement. Shopify net terms do not enforce a credit limit on buyer accounts. A buyer on Net 60 with a large outstanding balance can place another order and Shopify will process it. Enforcing credit limits at checkout requires a custom validation built with Shopify Functions (Shopify Plus only and a developer investment) or a manual approval step before orders are fulfilled.
No ERP sync by default. For wholesale operations running NetSuite, SAP, or Microsoft Dynamics as their financial system of record, Shopify net terms orders do not automatically create AR records in the ERP. Without an integration that syncs Shopify orders to your ERP, your finance team manually creates the corresponding AR entries, which creates reconciliation overhead and the risk of invoices falling through the gap. Uncap Connect is built specifically for this: Shopify orders sync to your ERP automatically, including net terms orders with payment due dates and outstanding balances, so your AR stays accurate without manual entry between systems.
No collections workflow. When a net terms invoice goes past due, Shopify's built-in tools stop at the payment reminder. What happens next is a manual process on your side: a call, an email, or a handoff to your collections team. Operations managing a meaningful volume of overdue accounts need a process outside Shopify to handle escalation.
For most wholesale operations launching a B2B channel on Shopify, native net terms are the right starting point. They handle the buyer checkout experience correctly, integrate with the rest of the B2B feature set, and work on every paid plan without additional apps.
The situations where you need a layer on top of native net terms are specific: you need AR aging visibility for your finance team, you need credit limit enforcement at the checkout level, you are integrating with an ERP that needs order-level AR data, or you are managing enough past-due volume that a manual collection process is no longer workable.
For wholesale commerce on Shopify, the right implementation design connects the buyer-facing net terms experience to the back-office collection process from the start. That means getting clear on your ERP, your AR workflow, and where Shopify's native layer ends before you go live with your buyer program.
As a Shopify Platinum Partner since 2013 with more than 380 B2B commerce implementations, Uncap has configured net terms workflows for manufacturers and distributors across a wide range of buyer programs and ERP environments. If you are setting up net terms on Shopify and want to make sure the implementation covers both the buyer experience and the back-office collection process, talk to our experts about how to structure it for your operation.
