The verdict in three sentences
B2B is won on customer credit: your buyers want to pay in 30 or 60 days, but your receivables and DSO drain cash. Integrating a net-terms module — credit limits, scoring, automatic debit at maturity, dunning — costs 8,000 to 25,000 EUR in 2026 and typically cuts DSO by 15 to 20%. Good integration doesn't just automate collection: it decides who gets which credit limit, and triggers dunning before an invoice turns doubtful.
The customer-credit flow to integrate
Controlled net-terms chain several steps, each configurable and traceable. Here is the typical flow and what it automates.
| Step | What is automated | Impact |
|---|---|---|
| Pro account opening | Scoring, assigned credit limit | Caps risk at entry |
| Credit order | Real-time available-credit check | Block on overrun |
| Invoice + due date | Generation, SEPA mandate, debit date | Zero manual entry |
| Debit at maturity | Auto debit D+30/D+60 | Collection without chasing |
| Failure / delay | Graduated dunning, re-presentation | Recovers unpaid |
| Closure | Invoice/payment matching | Accounting up to date |
The budget depends on module depth. Here are 2026 orders of magnitude.
| Scope | Budget (EUR) | Timeline | Content |
|---|---|---|---|
| Credit + SEPA debit at maturity | 8,000 – 12,000 | 6 wk | Mandates, limits, auto debit |
| + Scoring and dynamic limits | 12,000 – 18,000 | 8 wk | Risk rules, alerts |
| + Multichannel dunning + accounting | 18,000 – 25,000 | 10 wk | Scenarios, ERP export, DSO board |
Why DSO drops
DSO (average collection time) falls because three frictions disappear: the customer no longer initiates the transfer (automatic debit at maturity), delays trigger graduated dunning without human input, and credit overruns are blocked upfront rather than discovered afterwards. A 20% cut on a 52-day DSO is ~10 days of revenue reinjected into cash.
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Mini case study
Sophie, CFO of a B2B wholesaler in Toronto, invoices 1.8M EUR/yr to 45 pro clients, DSO 54 days. She integrates a credit + debit-at-maturity + dunning module for 16,000 EUR, 8-week timeline. DSO drops to 43 days (−20%), freeing ~11 days of revenue, i.e. ~54,000 EUR of cash. Automatic dunning recovers 3 previously forgotten unpaid invoices/month (~2,100 EUR/month) and removes ~0.5 manual chasing FTE. Over the year, cash and cost gains exceed 50,000 EUR for a 16,000 EUR project: paid back in under 5 months.
FAQ
How does this differ from plain online payment? Net-terms manages credit: limits, due dates, debit mandates and dunning. A classic checkout collects immediately; here you steer receivables over time, with risk to control.
How are credit limits set? By scoring combining tenure, payment history and financial data. In 2026 a dynamic limit recalculates at each order based on current outstanding and recent incidents.
Is SEPA debit at maturity reliable in B2B? Yes, with a SEPA B2B mandate (SDD B2B) the debit is near-irrevocable and rejection stays under 2% when scoring filters upfront. It is the most effective tool against DSO.
How long to integrate the full module? 6 to 10 weeks depending on depth (scoring, dunning, ERP/accounting link). The accounting link and dunning scenarios are the longest items.
Can it connect to my existing ERP? Yes: invoice/payment matching, journal export and credit updates sync via API or files with most ERPs on the market.
Let's scope your project. Share your annual invoiced volume, current DSO and ERP: we price the credit module, scoring and dunning. 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.
