If you sell wholesale, net terms are not a nice-to-have. Most retail buyers purchasing for resale run on purchase orders and invoices, and "pay by card at checkout" reads as a signal that you are not set up for real B2B. At the same time, terms are credit you are extending, so the mechanics and the guardrails both matter.
What net terms commit you to
NET 30 means the buyer's invoice is due 30 days after the order (some businesses count from fulfilment or invoice date; say which in your terms). NET 45, 60, and 90 extend the window. Longer terms win bigger accounts, especially seasonal retailers who want stock on shelves before they pay for it, but every extra day is working capital you are financing.
A sane ladder looks like this: new wholesale accounts pay upfront. After a few clean orders they earn NET 30. Your proven, high-volume accounts, the ones you would fight to keep, get NET 60 or 90 as a retention lever. The key word is earn: terms should be a per-customer decision, not a storewide toggle.
The Shopify-native ways to do it
Shopify Plus native B2B
Shopify's built-in B2B includes payment terms on company profiles, and since 2026 some B2B features have been reaching non-Plus plans in stages. If you are already on Plus and run the native company model, use it. If you are on Basic, Shopify, or Advanced, the practical route is an app built on Shopify's payment customization APIs.
Draft orders and invoices
The manual route: take the order as a draft, send the invoice, mark it paid when the transfer lands. It works at five wholesale accounts and collapses at fifty, because nothing about it is self-serve for the buyer.
Apps that put terms at checkout
The category has two shapes. Dedicated net-terms utilities (Net Terms Tracker, TermStack, TermShield and similar) focus narrowly on credit limits and A/R tracking. Full wholesale platforms include terms as part of the B2B stack. Our own Miko B2B Wholesale House takes the second approach: NET 30, 45, 60, and 90 offered per customer group through Shopify's payment customization API, so an approved buyer sees "Pay on NET 30 terms" as a native option at the same checkout retail customers use, with no coupon codes and no separate portal.
Managing the credit risk
- Gate terms behind approval. Pair terms with a wholesale application form so an account exists before credit does. Approve the account, assign the group, and the terms follow.
- Start every account at NET 30 maximum. Promote to longer terms on payment history, not on order size promises.
- Review outstanding terms orders weekly. If you can ask your admin directly, do: with Sidekick connected, "do I have overdue net terms orders?" is a one-line check. Miko's Sidekick tools answer net terms status per group.
- Price the float. If NET 90 is on the table, your wholesale margins should reflect that you are financing a quarter of inventory. Run the numbers in our B2B savings calculator.
Common questions
Do net terms work with Shopify POS?
Checkout-level terms are an online checkout feature. For in-person wholesale, Miko B2B applies group pricing through its POS extension and terms invoices are handled on the order afterwards.
What happens if a buyer does not pay on time?
That is a business process, not an app feature: chase the invoice, pause the account's terms (drop the group back to upfront payment), and require prepayment until the balance clears. Because group changes apply instantly, the enforcement lever is one tag change.
Can retail customers see the terms option?
No. Terms appear only for logged-in customers in a group you have enabled them for. Everyone else sees the standard payment methods.
Set it up this week
Install Miko B2B Wholesale House, create your first customer group, and enable NET 30 on it. The free plan covers your first group and ten wholesale orders a month, so you can prove the flow before paying anything. Questions? Talk to the team.
