The verdict in three sentences
B2B net 30 and installment payments cost between 1.5 and 4% per transaction in 2026, with an integration budget of EUR 3,000 to 10,000 (USD 3,300 to 11,000) for an e-commerce site, whether in Paris or New York. The provider guarantees against non-payment and pays you within 1 to 3 days, turning customer credit into a simple sales cost. For a professional equipment distributor, a 20 to 30% rise in average order value easily covers the fee once gross margin exceeds 15%.
Why small businesses abandon the cart
A professional equipment distributor (tools, workshop equipment, technical furniture) finds that 35 to 45% of B2B carts above EUR 1,500 are abandoned at payment. The reason is simple: buying businesses are used to paying at 30 or 45 days on invoice, and company cards often have limits of EUR 3,000 to 5,000. Offering only card or immediate transfer means turning away part of your orders.
In France, the LME law caps business-to-business payment terms at 60 days from invoice date or 45 days end of month, and any delay triggers penalties plus a fixed EUR 40 recovery fee. In the US there is no federal cap, and net 30 to net 60 are standard. Managing this credit in-house requires credit checks, collections and enough cash to carry receivables. B2B deferred payment solutions outsource all of that.
B2B deferred payment solutions compared
| Solution (type) | Fee per transaction | Terms offered | Non-payment guarantee | Integration |
|---|---|---|---|---|
| European B2B BNPL platform (Mondu, Billie); US: Resolve, Slope | 1.5 to 3.5% | 30, 60, 90 days | Yes, 100% | API or Shopify, WooCommerce, Magento module |
| B2B installments in 3 or 4 payments (Hokodo; US: Balance) | 2 to 4% | 3 to 12 installments | Yes | API, e-commerce plugins |
| Credit insurer with online payment (Allianz Trade pay) | 1.5 to 3% | 30 to 90 days | Yes | API, custom integration |
| Traditional bank-backed factoring | 0.5 to 1.5% + interest | Per contract | Optional | Outside checkout, manual |
| In-house credit on invoice | 0% direct | 30 to 60 days | No, risk retained | Development EUR 4,000 to 8,000 |
| Card with buyer-side deferred payment | 1.2 to 2% | Depends on buyer's bank | Yes | Native |
Actual rates depend on volume, sector and buyer profile. Platforms rarely publish a fixed rate card: negotiation is possible above EUR 500,000 in annual volume.
Integration cost and expected impact
| Item | Indicative 2026 cost (EUR excl. VAT) | Timeline |
|---|---|---|
| Off-the-shelf module (Shopify, WooCommerce, PrestaShop) | 1,500 to 3,000 | 1 to 2 weeks |
| API integration on a custom site | 4,000 to 10,000 | 3 to 5 weeks |
| Displaying terms on product pages and cart | 800 to 2,000 | 1 week |
| ERP sync (invoices, matching, statuses) | 2,000 to 6,000 | 2 to 4 weeks |
| Testing, acceptance and order desk training | 500 to 1,500 | 1 week |
Results observed in 2026 on equipped B2B sites: average order value up 20 to 30%, checkout conversion up 10 to 25%, and near elimination of customer collection calls by accounting.
Mini case study
Sophie, CFO of a professional equipment distributor in Paris, books EUR 2.4 million a year online, with an average order of EUR 1,600. She integrates a solution at a 2.5% fee for an integration cost of EUR 6,500. If half of sales, EUR 1.2 million, goes through deferred payment, the annual fee reaches EUR 30,000. In return, a 22% rise in average order value on those orders generates about EUR 264,000 in extra sales, or EUR 63,000 in gross margin at 24%. The net gain exceeds EUR 26,000 in year one, not counting collection time saved.
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FAQ
How much does B2B net 30 at checkout cost?
Between 1.5 and 4% of each transaction, plus EUR 3,000 to 10,000 (USD 3,300 to 11,000) in integration depending on the platform. Off-the-shelf modules start around EUR 1,500.
Who carries the non-payment risk?
With a B2B BNPL solution or a credit insurer, the provider guarantees 100% of the approved amount. You get paid within 1 to 3 business days.
Can we offer 90 days?
In France, the LME law limits B2B terms to 60 days from invoice. In the US, net 90 is legal and offered by most B2B BNPL providers at a higher fee.
Are all buyers approved?
No, the platform checks the company in seconds and usually approves 80 to 90% of businesses. Declined buyers fall back to card or transfer.
Do installments make sense for small orders?
They are mainly useful above EUR 1,000. Below that, the 2 to 4% fee outweighs the conversion gain.
Let's scope your project. Tell us your platform, annual online volume and average order value: we will compare providers, price the integration and plan the go-live. 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.
