The verdict in three sentences
For a commercial kitchen equipment dealer in London, the lack of net 30, net 60 or instalment options at checkout drives away restaurant owners who cannot pay GBP 3,900 upfront. A B2B deferred payment solution costs 1.5 to 4% commission per transaction, transfers non-payment risk to the provider and integrates for GBP 2,600 to 7,000 (about EUR 3,000 to 8,000) in 4 weeks. The realistic target is a 20% conversion lift on orders above GBP 1,300.
Why trade orders get abandoned
A restaurateur opening or refitting a kitchen buys a combi oven, a blast chiller or a pass-through dishwasher for GBP 1,700 to 10,000. Cash flow is tight, the bank takes 10 days to reply, and the business card is often capped at GBP 2,500. Without a deferred option, they call a competitor that accepts net 30 bank transfer, or they give up. Dealers who already offer trade credit do it by hand: Companies House check, credit score lookup, chasing, and a 1 to 3% bad debt rate absorbed by margin.
Deferred payment options in 2026
| Option | How it works | Cost to the seller | Non-payment risk |
|---|---|---|---|
| In-house net 30 bank transfer | Invoice with due date, manual chasing | 0% + admin time | Carried by you (1 to 3%) |
| B2B deferred payment net 30 (B2B BNPL) | Provider pays you on D+1, customer pays on D+30 | 1.5-2.5% | Transferred to provider |
| B2B deferred payment net 60 | Due on D+60 | 2.5-3.5% | Transferred |
| B2B instalments in 3 or 4 | Monthly instalments | 2.5-4% | Transferred |
| Equipment leasing | Rentals over 24-60 months via a finance house | 0-2% (sometimes commission paid back) | Transferred |
| Traditional invoice factoring | Sale of invoices | 0.5-1.5% + set-up fees | Depends on contract |
Checkout-embedded B2B deferred payment stands out through instant decisions: the provider checks the company number, queries its credit data and grants or declines a limit in seconds. Approval rates run between 70 and 90% for companies registered for more than 12 months. For equipment above GBP 8,500, leasing often remains a better fit.
Integration cost and margin impact
| Item | Range (excl. VAT) | Comment |
|---|---|---|
| Payment module on a standard platform (Shopify, WooCommerce, Magento) | GBP 2,600-3,900 | Setup, testing, instalment display |
| Integration on a custom B2B store | GBP 4,300-7,000 | API, webhooks, refund handling |
| Product page display ("from GBP 975 a month") | Included | Strong conversion impact |
| Accounting reconciliation and ERP export | GBP 850-1,700 | Avoids re-keying settlements |
| Provider monthly subscription | GBP 0-130 | Depends on plan and volume |
On a GBP 3,900 order at 2.5% commission, the cost is GBP 97.50. With a 30% gross margin of GBP 1,170, the commission equals 8.3% of the sale's margin. It must therefore be compared with today's cost: chasing time, bad debt and above all lost sales. The 4-week timeline covers opening the provider account (seller KYC, 5 to 10 days), technical integration and a test phase on real orders.
Mini case study
James, managing director of a commercial kitchen equipment dealer in London, processes 70 online orders a month at GBP 3,900 on average, with 1.8% conversion. He integrates net 30 and 3-instalment options for GBP 5,200. Conversion rises to 2.16% (+20%), i.e. 14 more orders a month. Assumption: 60% of orders use the option, average commission 2.8%. Extra margin: 14 × GBP 1,170 = GBP 16,380. Commissions on 84 × 60% = 50 orders: 50 × GBP 109 = GBP 5,450. Net monthly gain: about GBP 10,900 (around EUR 12,600), before counting the 2% bad debt avoided on trade credit. The integration pays back in under a month.
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FAQ
Does the business customer pay fees?
Usually not for net 30: the seller pays the 1.5 to 2.5% commission. Some 3 or 4 instalment plans charge the customer a fee, which must be shown clearly.
What happens if the customer does not pay?
The provider has already paid you on D+1 and handles collection alone: risk is transferred, except for fraud or delivery disputes.
Are sole traders and new companies accepted?
Less often: approval rates fall below 50% for businesses under 6 months old. Keep card and bank transfer as options.
Can deferred payment be combined with leasing?
Yes, by offering deferred payment up to GBP 8,500 and leasing above that, over 24 to 60 months.
How long until we are live?
About 4 weeks, including 5 to 10 days of seller account verification by the provider.
Let's scope your project. Share your average order value, platform and monthly volume: we will price your B2B deferred payment integration, GBP 2,600 to 7,000, live in 4 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.
