The verdict in three sentences
Payment terms are the B2B norm: a professional buyer expects net 30 or 60, not an instant card payment. The real challenge is not technical but financial: managing receivables, scoring and dunning without crushing cash flow. In Berlin in 2026, tooling this up costs 10,000 to 30,000 EUR and ships in 6 to 10 weeks.
Immediate collection vs B2B credit
Two models coexist. Immediate payment (cards, SEPA) secures cash but slows big buyers. B2B credit (net 30/60) accelerates sales but creates receivables to finance and insure.
| Criterion | Immediate collection | B2B credit (net 30/60) |
|---|---|---|
| Payment delay | 0 days | 30 to 60 days |
| Cash impact | positive | receivables to finance |
| Fees | 1.4-2.9 % cards | 1.5-3 % (BNPL) or 0 if in-house |
| Unpaid risk | near zero | to score / insure |
| Sales effect | slows key accounts | +15 to +30 % basket |
| Tooling required | PSP | scoring, dunning, credit insurance |
B2B BNPL (deferred payment funded by a third party) shifts risk: the supplier is paid immediately, the provider carries receivables for 1.5 to 3 % of the amount.
The cost of the module and credit management
Tooling payment terms combines development plus subscriptions to scoring and insurance services. Here is a typical Berlin breakdown.
| Line item | Content | 2026 order of magnitude |
|---|---|---|
| Terms module | Invoicing, receivables, statuses, schedule | 4,000-10,000 EUR |
| Credit scoring | Scoring API connection (Creditreform, SCHUFA) | 2,000-5,000 EUR + sub |
| B2B BNPL | Hokodo / Mondu integration | 2,000-6,000 EUR |
| Auto dunning | Email/SMS D+3, D+15, D+30, escalation | 1,500-4,000 EUR |
| Credit insurance | Coface / Allianz Trade connection | 1,000-3,000 EUR + premium |
| DSO dashboard | Receivables, overdue, aging | 1,500-4,000 EUR |
A scoring subscription typically costs 150 to 600 EUR/month; credit insurance is a percentage of insured revenue (order of magnitude 0.2 to 0.6 %).
Mini case study
Thomas, owner of a B2B industrial-supplies e-commerce in Berlin (revenue 4.5 M EUR, DSO of 58 days). He rolls out a payment-terms module with automated dunning and scoring for 22,000 EUR. Result over 8 months: DSO down to 41 days, cutting 17 days of receivables on 720,000 EUR, roughly 34,000 EUR of cash freed. Automated dunning halved the accounting team's time (saving ~9,000 EUR/year) and the unpaid rate fell from 2.1 % to 0.7 % thanks to scoring.
Need a professional website?
Kolonell builds websites that attract clients, optimized for the Sénégalese market. Free quote in 2 minutes.
FAQ
How much does a payment-terms module cost in 2026?
Expect 10,000 to 30,000 EUR depending on scope: invoicing plus receivables alone sit at the bottom; adding scoring, BNPL and credit insurance pushes toward the top.
Is B2B BNPL worth the 1.5 to 3 % fee?
Yes if your sales are held back by risk or cash needs: you are paid immediately and the third party carries the risk. Compare the cost to the basket uplift (+15 to +30 %) and the dunning savings.
Do we need credit insurance?
It makes sense once receivables become significant or concentrated on a few large customers. The premium (order of magnitude 0.2 to 0.6 % of insured revenue) protects against a key account default.
How do we cut DSO without losing customers?
By automating dunning (D+3, D+15, D+30), offering early-payment discounts, and scoring new accounts. The combination often saves 10 to 20 days of DSO.
How long to deliver the module?
Between 6 and 10 weeks: 6 for a terms module with dunning, 10 when integrating scoring, BNPL and credit insurance with a DSO dashboard.
Let's scope your project. Tell us your current DSO, average receivables and customer terms, and we will cost the payment-terms module that protects your cash. 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.
