The verdict in three sentences
Integrating net terms in B2B e-commerce in Amsterdam costs EUR 6,000 to 20,000 in 2026, plus a 1.5 to 3.5% commission on the guaranteed amount. Deferred payment (30/60 days) lifts the average basket by 20 to 40% and B2B conversion. The payment guarantee transfers default risk to the provider: you get paid even if the customer does not.
How guaranteed net terms work
At checkout, the provider (Hokodo, Billie, Two) scores the buyer in real time, grants or declines credit, and guarantees your payment. The customer pays at 30 or 60 days; you are paid immediately or at maturity depending on the contract.
| Model | You get paid | Commission 2026 | Default risk |
|---|---|---|---|
| Immediate (factoring) | Within 24-48 h | 2.5-3.5% | Provider |
| Guarantee at maturity | At D+30/60 | 1.5-2.5% | Provider |
| In-house credit (no guarantee) | At maturity | 0% + dev cost | You |
| Credit insurance | At maturity | 0.3-0.8% of revenue | Shared |
In B2B e-commerce, the immediate guaranteed model is most common: you collect within 48 h, the provider carries risk and collections.
Integration cost and payback
| Item | Cost 2026 (EUR) | Detail |
|---|---|---|
| Net-terms API integration | 6,000 - 12,000 | Checkout, scoring, status |
| Per-customer credit limits | 3,000 - 6,000 | Caps, alerts |
| Accounting reconciliation | 2,000 - 5,000 | Xero/Sage export, VAT |
| Commission per transaction | 1.5-3.5% | On guaranteed amount |
| Maintenance / yr | 2,000 - 4,000 | Updates, monitoring |
The 1.5-3.5% commission compares to the real cost of a default (often 100% lost) and the cost of running the receivables desk internally. On a basket that climbs 30%, the commission is quickly absorbed.
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Mini case study
Sarah, COO of a B2B trading firm in Amsterdam (professional equipment), refused net terms for fear of defaults, with an average basket of EUR 850 and 400 orders/month. She integrates a guaranteed net-terms solution for EUR 11,000, 2.5% commission. The average basket rises to EUR 1,150 (+35%) and orders to 470/month. Monthly revenue goes from EUR 340,000 to EUR 540,500 (+EUR 200,500). Commission cost: 2.5% x EUR 540,500 = EUR 13,512/month, fully covered by the extra margin. Zero bad debt to manage; the integration pays back in a few days.
FAQ
Who carries the default risk? With a guaranteed solution, the provider does: it scores the buyer, advances or guarantees funds and handles collections. You are paid even if the customer fails.
How much does the average basket grow? In B2B, offering 30/60 days typically lifts the basket by 20 to 40%, because buyers order more when they need not pay upfront.
What does the commission cost? Between 1.5 and 3.5% of the guaranteed amount depending on the model (immediate or at maturity) and the risk profile of your customer base.
Do I need accounting integration? Yes, it is essential: credit, payments and guarantees must reconcile automatically with your invoices and export to your accounting tool.
Can credit be capped per customer? Yes, each customer has a credit limit set by scoring; beyond it, the order switches to immediate card or transfer.
Let's scope your project. Give us your average basket, monthly volume and risk appetite, and we'll price a guaranteed net-terms integration and its accounting reconciliation. 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.
