The verdict in three sentences
In B2B, nearly one professional buyer in two expects net terms, and a store that only takes cards lets the largest orders slip away. B2B buy now pay later solutions offering Net 30 or Net 60 at checkout cost 1.5 to 4% per transaction in 2026, but they transfer default risk and pay the seller within days. For a Miami SME selling USD 500 to 5,000 per order, this is often simpler and cheaper than a traditional factoring contract.
How embedded net terms work
The buyer selects "pay in 30 days" at checkout. The provider (Resolve, Balance, Slope, TreviPay, Mondu or bank offers) checks the business and its creditworthiness in seconds, approves or declines, then pays the seller within 1 to 3 days. The provider then handles invoicing, reminders and collections.
| Criterion (2026 order of magnitude) | Embedded B2B net terms | Net 30 invoice managed in-house |
|---|---|---|
| Credit decision | 2 to 10 seconds, automated | 1 to 5 days, manual |
| Cash received by seller | D+1 to D+3 | D+30 to D+60, often D+50 in practice |
| Default risk | carried by the provider | carried by the SME |
| Reminders and collections | included | internal accounting time |
| Direct cost | 1.5 to 4% per transaction | 0% on paper, but working capital and losses |
| Effect on average order value | +20 to 35% | variable |
| Effect on business account conversion | +10 to 25% | baseline |
Comparing costs with factoring and credit insurance
Embedded net terms are not the only way to secure credit sales. Here are three options for an SME doing USD 1.6 million in online B2B sales per year.
| Solution | Estimated annual cost | Time to cash | Default guarantee | Store integration |
|---|---|---|---|---|
| Embedded B2B net terms (2.5% average) | USD 40,000 | 1 to 3 days | yes, 100% | API or plugin, USD 3,300 to 13,000 |
| Traditional factoring (0.5 to 1.5% fee plus interest) | USD 16,000 to 38,000 plus 1 to 2% financing cost | 24 to 48 h after assignment | depends on contract, often with recourse | none, manual invoice handling |
| Trade credit insurance (0.1 to 0.4% of insured sales) | USD 1,600 to 6,400 | 30 to 60 days | yes after claim, 85 to 95% indemnity | none |
| Self-financing without cover | USD 0 direct, losses of 1 to 3% of sales | 30 to 60 days | no | none |
Credit insurance is cheapest but does not fund cash flow or improve conversion. Factoring funds working capital but leaves the buying experience untouched. Embedded net terms carry the highest fee but are the only option acting on conversion, cash flow and risk at once.
What integration changes on the store
Integration costs USD 3,300 to 13,000 depending on the platform. On Shopify, BigCommerce or Adobe Commerce, an app often exists and the cost stays low. On a custom store, you call the API at checkout, handle declines with a fallback (card or prepayment) and push payment statuses to the ERP. Allow 2 to 6 weeks depending on context.
Mini case study
Claire, CFO of a Miami SME supplying aviation maintenance parts, sells USD 1.6 million a year online to 900 business customers, with an average order of USD 1,300. DSO is 52 days and bad debt losses represent 1.8% of sales, USD 28,800. She integrates a Net 30 solution at 2.5% for USD 8,700. Orders on net terms account for 60% of revenue, so USD 24,000 in fees per year. In return: bad debt eliminated on that scope (USD 17,300 saved), 100 hours of collection calls removed (USD 4,800), and average order value up 20% for those customers, so USD 192,000 in extra sales at 25% margin, USD 48,000. Net gain exceeds USD 43,000 in year one.
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FAQ
Are there legal limits on payment terms in the US?
Unlike France, there is no general federal cap for private B2B terms: Net 30, Net 60 and Net 90 are set by contract. Public contracts follow the Prompt Payment Act and Florida's own rules for state agencies.
What happens if the provider declines a buyer?
The customer is offered another method, usually card or ACH before shipping. Approval rates are typically 85 to 95% for established US businesses.
Are the 1.5 to 4% fees negotiable?
Yes, they depend on volume, term length (30, 60 or 90 days) and industry. Above USD 1 million in yearly volume, fees below 2.5% are common.
Can I pass the cost to the buyer?
You can add a fee for Net 60, but it reduces the conversion lift. Many sellers absorb 1 to 2% in their margin and only charge for longer terms.
Does this work with ACH and e-invoicing?
Most providers collect from buyers by ACH, check or card and send electronic invoices. Check that invoice data syncs to your accounting tool, such as QuickBooks or NetSuite.
Let's scope your project. We add B2B Net 30 or Net 60 to your store (provider selection, checkout API, ERP sync) for USD 3,300 to 13,000, in 2 to 6 weeks. Detailed quote within 48 h. WhatsApp +221 77 596 93 33.
Mohamed Bah
Fondateur, Kolonell
Passionate about digital and entrepreneurship in Africa, Mohamed has been helping Sénégalese businesses with their digital transformation since 2020. Founder of Kolonell, he believes every SME deserves a professional and accessible online présence.
