The verdict in three sentences
Setting up net terms and an online customer account costs between 10M and 25M FCFA (15,000-38,000 EUR) in Miami in 2026, depending on credit checks and accounting integration. Online credit retains large buyers who refuse to pay upfront and lifts the average order value by 20 to 30%. Risk is controlled through credit limits, scoring and automated dunning, not by trust alone.
What the credit module costs in 2026
The B2B customer account combines a per-buyer balance, negotiated terms (net-30, 45, 60) and overdue tracking. Here is a 2026 order of magnitude for a B2B store in Miami.
| Item | Scope | 2026 cost (FCFA) |
|---|---|---|
| Customer account and online balance | Per-buyer credit, history | 2,500,000 - 5,000,000 |
| Net-30/60 payment terms | Per-customer conditions, schedule | 2,000,000 - 4,500,000 |
| Credit check | Scoring, limit, auto block | 2,500,000 - 6,000,000 |
| Automated dunning | Emails/SMS D-3, D+1, D+7, D+15 | 1,500,000 - 3,500,000 |
| Accounting integration | Sage, Odoo, GL export | 2,000,000 - 5,000,000 |
| UAT and training | Tests, data sets | 1,000,000 - 2,000,000 |
A base (customer account + terms + dunning) ships around 10M FCFA in 5 to 7 weeks. A full setup with scoring and real-time accounting sync reaches 25M FCFA over 10 to 14 weeks.
Creditworthiness, limits and average order value
The core of the setup is the credit limit: each customer has a cap, and any order above it is blocked or held for approval. Net terms remove the main purchase barrier for large accounts and mechanically raise the basket.
| Metric | Upfront payment (2025) | Online credit (2026) |
|---|---|---|
| Average B2B order value | 320,000 FCFA | 400,000 - 420,000 FCFA |
| Order frequency/month | 1.8 | 2.4 - 2.8 |
| Large-account retention | 68% | 82 - 88% |
| Average settlement (DSO) | upfront | 38 - 45 days |
| Bad-debt rate | n/a | 1.5 - 3% |
| Orders blocked on limit | manual | automatic |
DSO (Days Sales Outstanding) becomes the key metric: it must be steered so cash flow can absorb the credit granted.
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Mini case study
Aminata, CFO of an electrical-equipment distributor in Miami, serves 140 reseller customers. By requiring upfront payment she was losing large resellers who bought from competitors on net-30. With online capped credit and scoring, the average order value rises from 320,000 to 410,000 FCFA and frequency from 1.8 to 2.5 orders/month. Across 140 customers, additional monthly revenue is close to 21M FCFA, for an 18M FCFA investment absorbed in under one month of margin. Automated dunning keeps the bad-debt rate under 2%.
FAQ
How do you set a customer's credit limit? You combine tenure, payment history and bank references: often 1 to 2 times the average monthly basket at first, revised upward after 3 to 6 months of good behavior. The system blocks any order above the limit.
What happens on late payment? Automated dunning goes out at D+1, D+7 and D+15, then the account is frozen for new orders. Automatic blocking protects cash flow without manual work.
Can we mix upfront and credit? Yes: prospects and small customers pay upfront (card, mobile money), approved accounts get net-30/60. The rule applies based on the logged-in customer's status.
Does the module fit our accounting? Yes, with GL export and reconciliation in Sage or Odoo. Synchronization avoids double entry and makes receivables tracking reliable.
How long to recover the investment? With baskets up 20 to 30% on large accounts, payback typically lands in 1 to 3 months of extra margin, with bad debt kept under 3%.
Let's scope your project. Share your customer base, payment terms and accounting tool, and we will frame a credit module between 10M and 25M FCFA depending on scope. 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.