The verdict in three sentences
For a B2B supplier, offering 30 or 60-day payment terms directly at checkout costs 1.5 to 4% per transaction with a specialised provider, who guarantees against non-payment and pays you within 1 to 3 days. Integration costs EUR 3,000 to 10,000 excluding VAT depending on your platform and credit rules. The return shows in the average basket, up 20 to 35%, and in orders you no longer lose at the payment step.
Why business buyers abandon at checkout
A workshop buyer, a maintenance manager or a restaurant owner in Dublin, Cork or Galway does not put EUR 3,000 of equipment on the company card. They want an invoice payable at 30 days, as with their usual suppliers. EU late payment rules, transposed in Ireland, set 30 days as the default and cap business-to-business terms at 60 days unless expressly agreed, but they do not oblige you to carry the risk. Options available in 2026:
| Solution | Who carries non-payment risk | Cost to the seller | Cash-in delay | Website integration |
|---|---|---|---|---|
| 30-day bank transfer managed in-house | You | 0% + chasing time | 30 to 45 actual days | Simple |
| Classic trade credit insurance | The insurer (partial, 85 to 95%) | 0.2 to 0.5% of insured revenue + excess | 30 to 60 days | None, manual management |
| Invoice factoring | The factor (if non-recourse) | 0.5 to 2% + interest | 1 to 3 days after assignment | None, invoice flow |
| Integrated B2B payment terms (Hokodo, Mondu, Billie type) | The provider, 100% | 1.5 to 4% per transaction | 1 to 3 days | Checkout module |
| B2B instalments over 3 to 12 months | The provider | 3 to 6% depending on duration | 1 to 3 days | Checkout module |
The key difference of integrated payment terms is the credit decision in a few seconds at order time, based on the buyer's company registration number.
Real cost by term and basket
The commission depends on the term granted, the basket and your customers' profile. 2026 order of magnitude seen at specialised providers, to be confirmed by quote:
| Term granted to the buyer | Typical commission | On a EUR 2,500 basket | Average acceptance rate |
|---|---|---|---|
| 30 days | 1.5 to 2.2% | EUR 38 to 55 | 85 to 90% |
| 45 days | 2 to 2.8% | EUR 50 to 70 | 85 to 90% |
| 60 days | 2.5 to 3.5% | EUR 63 to 88 | 80 to 88% |
| 90 days | 3.2 to 4% | EUR 80 to 100 | 75 to 85% |
| Instalments over 6 months | 4 to 5% | EUR 100 to 125 | 70 to 80% |
For integration, budget EUR 3,000 to 5,000 excluding VAT on a platform with an official module (Shopify, WooCommerce, Magento) and EUR 6,000 to 10,000 for a custom site with per-customer limits, ERP sync and automatic invoicing.
How to roll it out well
Offer payment terms from a threshold, for example EUR 300 excluding VAT, to avoid the commission on small baskets already paid by card. Show it on the product page ("pay in 30 days, no fees"). Keep card and bank transfer as alternatives. Finally, build the commission into your pricing policy: on a 30% gross margin, 2% of fees is easily covered by the conversion lift.
Mini case study
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Ciarán, sales director of a professional kitchen equipment supplier in Dublin, does EUR 1,200,000 a year on his website with a EUR 2,000 average basket. He estimates losing 15% of baskets at checkout for lack of payment terms. With 30-day terms at 2%, he recovers half of those orders, EUR 90,000 of revenue, and his average basket rises 25% on the orders concerned. With 40% of sales going through payment terms, the annual commission is about EUR 11,000 and integration EUR 6,500 excluding VAT. At a 30% gross margin, the EUR 90,000 recovered brings EUR 27,000 of margin, a net gain of EUR 9,500 in the first year, without a single unpaid invoice to chase.
FAQ
Can the provider refuse one of my customers?
Yes, the decision is automatic and takes a few seconds. In 2026, 80 to 90% of established companies are accepted; refusals mainly concern companies under 6 months old or in difficulty. The buyer can then pay by card or transfer.
Who chases the customer if they pay late?
The provider, with its own processes. You are paid within 1 to 3 days whatever happens, and the delay shows up neither in your cash flow nor in your receivables.
Is it compatible with late payment rules?
Yes, as long as the term stays within the 60-day limit. Beyond that, it becomes instalment credit, which is regulated differently.
Can I pass the commission on to the buyer?
It is possible but not recommended: "no fees for the buyer" offers convert 15 to 20% better. Better to build it into the price or reserve it for baskets above EUR 300 excluding VAT.
How long to go live?
One to 2 weeks with an official module, 4 to 6 weeks on a custom site with credit rules and ERP sync.
Let's scope your project. Send us your platform, average basket and the terms your customers ask for: we will price the payment terms integration and the expected impact on your sales. 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.
