The verdict in three sentences
A manufacturer or distributor in New York that does not offer net 30 or net 60 terms at checkout loses business buyers used to paying on invoice, often the largest orders. Embedded B2B net terms providers charge around 2 to 4% of the order value, integrate for USD 10,000 to 30,000 and approve buyers in seconds through instant underwriting. Properly configured, they routinely lift B2B average order value by 20 to 40% without putting credit risk on your balance sheet.
Why deferred payment changes conversion
In B2B, the corporate card is a secondary payment method: many buyers have card limits of USD 2,000 to 5,000 and procurement rules that require paying on invoice with a purchase order. A store that only accepts card or upfront ACH sees orders above USD 2,500 move to phone, PDF quotes or a competitor.
| Indicator (2026 order of magnitude) | Card or upfront ACH only | Net 30 or net 60 offered |
|---|---|---|
| B2B checkout conversion rate | 1.5 to 2.5% | 2.5 to 4% |
| Average order value | USD 700 to 1,000 | USD 850 to 1,400 |
| Share of orders above USD 2,500 placed online | 10 to 20% | 35 to 55% |
| Abandonment at payment step | 25 to 40% | 12 to 20% |
| Days sales outstanding (DSO) | 0 to 2 days | 0 to 2 days if funded, 30 to 60 days otherwise |
| Bad-debt risk carried by seller | None | None if guaranteed, 1 to 3% otherwise |
The last row matters most. With a guaranteed provider, you are paid in 1 to 2 business days and the provider carries the credit and collections. Without it, you are extending credit yourself and your working capital requirement grows.
Available solutions and their cost
| Option (2026 market benchmark) | Indicative fee | Buyer payment term | Non-payment guarantee |
|---|---|---|---|
| Embedded B2B net terms (Resolve, Balance, TreviPay, etc.) | 2 to 4% | Net 30, 60 or 90 | Yes, typically 100% |
| Invoice factoring | 1 to 3% per month outstanding | Your terms | Recourse or non-recourse |
| Trade credit insurance | 0.1 to 0.4% of insured sales | Your terms | 85 to 95% of loss |
| In-house invoicing with net terms | Internal collections cost | Net 30 to 60 | No |
| ACH debit on due date | USD 0.25 to 1.50 per transaction | Chosen date | No |
Integration into an existing store (Shopify Plus, BigCommerce, Adobe Commerce or custom) runs from USD 10,000 to 30,000 depending on the stack: an official app plus configuration at the low end, an API integration in a custom portal with credit limits synced to the ERP at the high end.
Rules and practices to respect
Unlike France, the US has no general statutory cap on B2B payment terms: net 30 is the norm, net 60 common for larger accounts, and terms are set by contract. New York's Commercial Code (UCC) governs the sale, and late fees must be agreed in writing and stay within state usury limits. Make sure invoices clearly state the assignee when a provider funds the receivable, and collect sales tax exemption certificates for resale buyers, since New York State and city sales tax reaches 8.875%.
Configure terms by segment: net 30 by default for new accounts, net 60 for established ones, with the credit limit visible in the customer portal. Instant underwriting typically approves 75 to 90% of registered US businesses in under 5 seconds.
Mini case study
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Michael, CFO of a commercial equipment manufacturer in New York (illustrative example), makes USD 3 million a year through his B2B store with an average order of USD 850. He adds guaranteed net 60 at 2.9%, integrated for USD 18,000. If online revenue grows 25%, or USD 750,000, and 50% of total volume uses terms, the annual fee reaches USD 1,875,000 × 2.9% = USD 54,375. At a 30% gross margin, the extra USD 750,000 generates USD 225,000: the net gain exceeds USD 150,000 in year one, integration included.
FAQ
Who pays the fee, seller or buyer?
Usually the seller, like a card fee, at 2 to 4% depending on term length (30, 60 or 90 days) and volume. Some sellers build it into prices or offer a 1 to 2% early-payment discount (2/10 net 30).
What happens if the buyer does not pay?
With a guaranteed provider, you were already paid within 1 to 2 days and the provider handles collections. Check the exclusions, such as disputes over product conformity.
Can we offer net 90?
Yes, there is no federal cap, but fees rise to 4 to 6% and approval rates fall. Most sellers keep net 90 for strategic accounts only.
How long does integration take?
About 2 to 3 weeks with an official app and 4 to 6 weeks for an API integration with credit limits synced to the ERP.
What share of buyers gets approved?
Providers approve on average 75 to 90% of registered US businesses, with typical credit lines of USD 5,000 to 100,000 per buyer depending on underwriting.
Let's scope your project. Tell us your ecommerce platform, average order value and current payment terms, and we will price the net terms integration and its impact on your cash flow. 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.
