The verdict in three sentences
For a Miami distributor, offering net 30 or net 60 terms directly at checkout is often the most profitable conversion lever on a B2B site, because business buyers neither want to front cash nor use a card. Specialist providers charge 1.5 to 3.5% per transaction in exchange for non-payment protection and paying the supplier within 24 to 48 hours, for an integration of USD 3,500 to 11,000. The observed lift in average order value is around +25%, as a 2026 order of magnitude, and customer credit risk leaves your balance sheet.
B2B net terms solutions in 2026
Three families coexist: B2B Buy Now Pay Later fintechs, invoice factoring connected to the site, and in-house credit managed by your accounts team. Only the first two transfer the risk.
| Solution | Indicative 2026 fee | Terms offered | Non-payment protection | Supplier payout |
|---|---|---|---|---|
| B2B BNPL fintech (Resolve, Balance, Slope) | 1.5 to 3.5% | net 30, 60, 90 | Yes, 100% | D+1 to D+2 |
| Bank-backed net terms offer | 1.2 to 2.5% plus fixed fees | net 30 to 60 | Yes, up to a limit | D+2 to D+5 |
| Factoring connected to the site | 0.5 to 1.5% plus financing rate | per invoice | Optional credit insurance | D+1 to D+3 |
| In-house credit with trade credit insurance | 0.2 to 0.5% of insured sales | flexible | Partial, 85 to 95% | at maturity |
| In-house credit without insurance | 0% | flexible | No | at maturity |
| Standard card payment | 2.5 to 3% | immediate | Not applicable | D+1 |
The B2B BNPL fintech is the easiest to plug into a checkout: the buyer gets a credit decision in seconds, you get paid the next day and the fintech handles collections.
What integration costs on your site
The budget depends on the platform (Shopify Plus, BigCommerce, Adobe Commerce, custom) and how tightly it links to your ERP.
| Item | 2026 range (USD) | Timeline |
|---|---|---|
| Official plugin on a standard platform | 3,500 to 5,000 | 1 to 2 weeks |
| API integration on a custom site | 6,500 to 11,000 | 3 to 5 weeks |
| Invoice and credit memo sync with ERP | 2,200 to 4,500 | 2 weeks |
| Per-account credit limit display | 1,600 to 3,300 | 1 week |
| Sales tax and exemption certificate handling | 1,600 to 2,800 | 1 week |
| Testing and acceptance with the fintech | 900 to 1,600 | 1 week |
Most Miami SMEs start with a USD 3,500 to 5,000 plugin, then add ERP sync once volume passes 200 invoices a month.
Mini case study
Sophie, CFO of a janitorial and packaging supplies distributor in Miami, sees that 35% of B2B carts above USD 1,600 are abandoned at the payment step.
- Before: USD 1,000,000 of online sales a year, USD 1,300 average order, and 4% late payments on accounts opened manually.
- Integration: B2B BNPL plugin and ERP sync, USD 7,700.
- After six months, annualized: average order at USD 1,625 (+25%), online revenue at USD 1,250,000, 60% of it paid on terms at an average 2.4% fee, i.e. USD 18,000 in annual fees.
- Gains: USD 250,000 of additional sales at a 30% margin, i.e. USD 75,000, plus about USD 10,000 of avoided bad debt.
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Net first-year result: about USD 59,000, after fees and integration.
FAQ
Who carries the risk if the customer does not pay?
With a B2B BNPL fintech or a guaranteed bank offer, the provider does, 100% within the approved credit limit. With insured in-house credit, you keep 5 to 15% of the risk.
Are fees negotiable?
Yes, above roughly USD 550,000 of annual financed volume, rates often drop by 0.3 to 0.8 points. Terms matter too: net 60 costs about 1 point more than net 30.
Do my customers need an account with the fintech?
No, verification happens at checkout with the company's EIN and business email, in seconds. Roughly 80 to 90% of established US businesses get a credit line.
Are there legal limits on payment terms?
In the US, terms are contractual and no federal cap applies to B2B sales, but Florida law requires clear disclosure of late fees. Most providers cap terms at 90 days.
How long until we are live?
Two to three weeks with a plugin, four to six weeks with API and ERP integration, including onboarding with the fintech.
Let's scope your project. Tell us your platform, average order value and ERP, and we will price a B2B net terms integration between USD 3,500 and 11,000, live 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.
