Most B2B brands moving to Shopify Plus arrive with the same expectation. We just need net 30 terms turned on for our trade accounts. They are usually right that it's possible, and usually wrong about how much work it takes to get the flow running cleanly end-to-end. The Shopify Plus B2B feature set handles net terms natively in 2026, but the gap between the setting and the working operation involves payment terms templates, customer-specific overrides, invoice generation, accounting sync, and dunning policies.
This piece is the step-by-step walkthrough for setting up net terms on Shopify Plus B2B. What the native feature actually covers, what you need to configure manually, the order to do it in, and the places where most brands get stuck. The full setup typically takes 1-2 weeks for a single-store brand and 3-4 weeks if you have multiple regions or complex account structures.
What net terms are
Net terms are a B2B payment arrangement where the buyer receives the goods or services first and pays the invoice within a defined period after delivery. Net 30 means payment is due 30 days after the invoice date. Net 60 means 60 days. The arrangement is standard in wholesale, distribution, manufacturing, and most B2B commerce categories. It is also functionally a form of trade credit, which means you are lending the buyer money for the term length.
For Shopify Plus brands moving into B2B, net terms are typically the first feature requested and often the place where the implementation gets harder than expected. The reason is that net terms touch four systems: the storefront, the order management system, the accounting platform, and the dunning workflow. All four need to be configured correctly for the flow to work end-to-end.
How Shopify Plus handles net terms natively
Shopify Plus added native net terms support to the B2B feature set in 2024 and has continued to develop it through 2026. The functional surface is now meaningful.
Standard payment terms templates supported out of the box: net 7, net 14, net 30, net 45, net 60, net 90. You can also define custom terms (e.g., 2/10 net 30 with early payment discounts). Each customer account can have its own default terms. The B2B checkout shows the terms automatically and removes the need for the customer to pay at checkout. Orders are created in an unpaid status with a due date. Invoices are generated automatically.
What Shopify Plus does NOT natively cover, where you need either apps or custom work: automated credit limit enforcement, multi-level approval workflows above the terms threshold, sophisticated dunning sequences, deep accounting sync beyond the standard order/customer export, custom payment term arrangements like 2/10 net 30 with discount logic. We covered where this hits middleware territory in our piece on why Shopify Plus needs a middleware layer.
Setting up net terms: step by step
The setup has five stages. Order matters. Skipping any stage will work in testing but break in production.
Step 1: Enable B2B on your Shopify Plus store
Settings > Customers and orders > B2B catalogs. Enable the B2B channel. This creates a separate customer experience for B2B accounts while keeping your DTC experience on the same storefront. If you have not already done this, the rest of the setup will not work.
For brands running both DTC and B2B from the same store (the combined model), the B2B channel sits alongside DTC. For brands running separate stores (the expansion store model), B2B has its own Shopify Plus instance. Net terms work in both configurations. We covered the broader B2B rationale in our piece on why mid-market wholesale brands are switching to Shopify Plus.
Step 2: Configure payment terms templates
Settings > Customers and orders > Payment terms. Create the payment term templates you offer. For most brands, three or four templates cover everything: net 30 (most common), net 60 (larger accounts), net 14 (newer accounts), and net 90 (special arrangements only).
Naming convention matters. Use the same terminology your sales and finance teams use internally. 'Net 30 Standard', 'Net 60 Strategic', 'Net 14 Trial'. The customer never sees these names but they will appear in the admin and in reports.
Step 3: Assign terms to customer accounts
Customers > B2B customers. Each customer account gets a default payment terms template. Set this when the account is created. Existing customers need to be updated either manually or via bulk import (CSV with company ID and payment terms template).
Two patterns work. The default-everyone-to-net-30 pattern assigns net 30 to all new accounts and upgrades accounts to longer terms after qualification. The qualify-on-onboarding pattern assigns terms during account approval based on a credit check or sales relationship. The qualify-on-onboarding pattern is cleaner but requires more sales operations capacity.
Step 4: Configure invoicing and dunning
This is where the work shifts from Shopify settings to your accounting and operations stack. Shopify Plus generates the invoice (PDF) and sends it via email at order placement. Your accounting platform (NetSuite, Xero, QuickBooks, Sage) receives the order data via integration or middleware and creates the invoice record on its side.
Dunning (the process of following up on overdue invoices) is not handled natively. You need either an app like Approval Studio or PaidFlow, a connection to your accounting platform's dunning workflow, or a custom middleware flow that monitors invoice status and triggers reminders. For mid-market brands, the accounting platform's native dunning is usually sufficient.
Step 5: Test the flow
The most-skipped step and the one that breaks most production deployments. Place test orders as a B2B customer (use a test account, not your own). Walk through the full flow: checkout shows net terms, order created with due date, invoice received, invoice appears in accounting, dunning works correctly on overdue test invoice, payment recording flows back to Shopify.
The full end-to-end test should be done at least three times before you launch to real customers. Most issues surface at the integration boundary, not in Shopify itself.
Where net terms get complicated
Three areas where the native setup needs supplementation.
Credit limit enforcement. Native Shopify Plus does not block orders that exceed a customer's credit limit. The check happens manually or via middleware. Brands with strict credit policies need either a credit-checking app, an ERP integration that enforces limits at order placement, or custom middleware that intercepts orders before they confirm.
Multi-level approval workflows. Above a certain order value, B2B orders often need internal approval (the customer's manager has to sign off). Shopify Plus supports draft orders that can be approved/rejected but the workflow logic for multi-level approval is custom. We covered the broader integration architecture pattern in our piece on commerce infrastructure as a discipline above iPaaS.
Custom payment term arrangements. Things like 2/10 net 30 (2% discount if paid within 10 days, full payment due in 30) are not native. They can be modeled with custom middleware that applies the discount logic at invoice payment time. Most mid-market brands skip these and use straight net terms.
Integration with accounting and ERP
The accounting/ERP integration is where net terms get from configured to actually working operationally.
For NetSuite-connected stores, Celigo's Shopify NetSuite connector handles invoice creation, customer sync, and payment recording. For Dynamics 365 F&O, the typical path is custom middleware on top of the standard data flow. For Xero or QuickBooks, native apps exist and work well for stores under $50M GMV.
The pattern that almost always fails: Shopify creates the order and invoice, but the accounting platform's ledger never gets updated because the integration only syncs paid orders by default. Net terms orders are unpaid for 30-90 days, which means they need to flow into accounting as A/R (accounts receivable), not as paid sales. Check the integration's net terms handling explicitly before launch.
Common pitfalls
Three places brands consistently get stuck.
Testing only in admin. The customer-facing flow looks different to the merchant flow. Test orders placed from inside the admin do not exercise the same checkout, invoice email, and confirmation flow that real customers see. Always test as a real B2B customer using a test account.
Not setting up dunning before launch. Brands often configure terms, launch, and then realize three months later they have $200K in overdue invoices with no follow-up process. Dunning needs to be live from day one.
Treating net terms as a Shopify-only setting. The setting is in Shopify. The operation spans Shopify, accounting, your finance team, and your sales team. Treating net terms as a configuration job rather than an operational rollout almost always produces a gap between the platform behavior and the actual customer experience.
Where to start
If you are setting up Shopify Plus B2B with net terms from scratch, the sequence is:
Week 1: Configure templates and assign to existing accounts. Test internally.
Week 2: Configure accounting integration for net terms handling. Test end to end.
Week 3: Set up dunning workflow in your accounting platform or via app. Test the overdue flow with synthetic data.
Week 4: Soft launch with 3-5 trusted B2B accounts. Monitor closely.
Talk to our team if you want help with the implementation or if you are mid-setup and stuck on the accounting integration. We have shipped this flow for brands ranging from $5M to $100M+ and the patterns are consistent enough that the implementation playbook is the same across most stacks.
What net terms does Shopify Plus support natively?
Net 7, net 14, net 30, net 45, net 60, and net 90 are supported as standard templates. Custom terms can be defined (any number of days). Early payment discount terms (like 2/10 net 30) require either custom middleware or an app because Shopify does not natively apply the discount logic at payment time.
How long does it take to set up net terms on Shopify Plus?
1-2 weeks for a single-store brand with a clean accounting integration. 3-4 weeks for multi-region brands or complex account structures. Add 1-2 weeks if your accounting integration does not handle net terms correctly out of the box (most don't without configuration). Total time from kickoff to production launch usually lands at 3-6 weeks.
Does Shopify Plus B2B require a separate store for net terms?
No. Net terms work in both the combined store model (B2B and DTC on the same Shopify Plus instance) and the expansion store model (separate B2B store). The combined model is usually right for brands under $50M with simple B2B operations. The expansion store model is usually right for brands above $50M or with complex B2B operations that need different storefronts or workflows.
Can I set different net terms for different customers?
Yes. Each B2B customer account has its own default payment terms template. You can also override terms at order level. The pattern that works best is to set defaults at the account level and only override at the order level for specific situations like a one-off extended terms arrangement.
What happens if a B2B customer doesn't pay on time?
Shopify Plus does not natively dun overdue invoices. You need either a dunning app, your accounting platform's dunning workflow, or custom middleware. Without one of those, overdue invoices just sit there until someone in finance notices. For mid-market brands, the accounting platform's native dunning is usually the right answer.
How does net terms affect inventory and fulfilment?
By default, Shopify Plus orders on net terms get fulfilled immediately even though they are unpaid. The order moves to your 3PL or warehouse, ships, and is delivered. The invoice is unpaid throughout. This is the correct B2B behavior in most cases. If you need to hold fulfilment until credit approval, that requires custom workflow logic, usually in middleware or through a draft-order approval pattern.
How does net terms integrate with NetSuite, Dynamics, or Xero?
For NetSuite, Celigo's Shopify NetSuite connector handles the flow if configured for net terms. For Dynamics 365, custom middleware is typically needed. For Xero or QuickBooks, native apps work for stores under $50M. The pattern to test is: does an unpaid net 30 order create an A/R record in the accounting platform on order placement (correct) or only when the invoice is paid 30 days later (broken)?
What is the biggest mistake brands make with net terms on Shopify Plus?
Treating it as a configuration job rather than an operational rollout. The Shopify setup takes a day. The operational pieces (accounting integration, dunning, credit checks, customer onboarding, internal training) take three to six weeks. Brands that allocate one developer for a day end up with a half-working flow. Brands that treat it as a project with sales, finance, and operations involved end up with a working flow.
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Building something ambitious?
- Shopify Plus B2B supports net terms natively since 2024. The feature is real, not a workaround.
- Standard terms supported: net 7, net 14, net 30, net 45, net 60, net 90. Custom terms can be added.
- Setup happens in five stages: enable B2B, configure payment terms templates, assign terms to customer accounts, configure invoicing and dunning, test the flow.
- Typical setup time is 1-2 weeks for a single-store brand, 3-4 weeks for multi-region or complex account structures.
- The native feature handles the storefront and order flow. Accounting sync, advanced credit checks, and complex approval workflows need either apps or custom middleware.
- The biggest pitfall is testing only in the admin and skipping the customer-facing checkout flow. Real net terms break differently for the customer than they break for the merchant.
