Net Terms & Pay on Account
Your best trade customers already have terms with you. Trade Account Checkout + a Shopify manual payment method lets them order online the same way: no card at checkout, a validated account reference on the order, and your invoice on your terms.
Install on ShopifyRequires Shopify Plus · Free plan available
Quick answer
To offer net terms on Shopify: create a manual payment method (Settings → Payments → Manual payment methods) named for your terms — "Net 30 / Pay on account" — and install Trade Account Checkout to capture a validated account or PO reference at checkout. The customer selects the manual method, enters their reference, and the order completes without a card as Payment pending. You invoice on your own terms and mark it paid when settled. No financing provider, no third party between you and your customer.
Two Approaches
There are two ways to put "Net 30" on a Shopify store. They solve different problems — be sure which one you actually have.
A financing provider underwrites your customer, pays you upfront minus a fee, and collects from the buyer. Right when you want to offer terms to strangers and offload credit risk — but you pay a percentage of every order, your customer deals with someone else's credit process, and approval isn't in your hands.
Your trade customers already have accounts and terms with you — you've been invoicing them for years. A manual payment method lets them order without a card; Trade Account Checkout puts their validated account reference on the order. No fees per order, no third party, your existing credit relationships — just moved online.
At Checkout
The customer picks your manual payment method, enters their account reference, and places the order — no card required.
Payment
All transactions are secure and encrypted.
Account number (required)
"Net 30 — Pay on account" is a Shopify manual payment method you create in settings. The validated account field is Trade Account Checkout.
Setup
About ten minutes, no developer.
Settings → Payments → Manual payment methods. Name it for your terms and note that orders are subject to account verification.
Install Trade Account Checkout. Make the account number required, validate the format with regex, add an optional PO field if your buyers use them.
They select your payment method, enter their reference, and place the order — validation runs before it's accepted.
Order arrives Payment pending and tagged. Verify the account if it's new, fulfill, invoice on your terms, mark paid when settled.
The honest accounting note: net-terms orders show as Payment pending, not Paid — and that's exactly right. An unpaid order that reports as "Paid" is a problem for your books and your finance team. With this workflow, Shopify reflects reality: the receivable is visible until you settle it, and your reports stay truthful.
And the credit-control note: the required, validated account number is itself your first gate — only customers holding a real account can complete the option. For tighter control, review pending orders before fulfillment, and use Shopify Flow on the auto-applied tag to route orders with unrecognized account numbers to your team for approval before anything ships.
In Shopify Admin
Every net-terms order is tagged and carries its account reference as a pinned metafield — filter Payment pending + trade-account and you're looking at your open invoicing run.
Tags — auto-applied at checkout
trade-accountMetafields — pinned, visible to your team
FAQ
What B2B merchants ask before switching on pay-on-account ordering.
Combine a Shopify manual payment method (Settings → Payments → Manual payment methods) named for your terms with Trade Account Checkout for a validated account or PO reference at checkout. The customer selects the manual method, enters their reference, and the order completes without a card as Payment pending. You invoice and mark it paid when settled.
Yes — that's what manual payment methods are for, and they're how pay-by-invoice has always worked on Shopify. The order is created with Payment pending status. The app adds the missing piece: a validated reference on the order so you know exactly which account to invoice.
No. There's no credit provider, no underwriting, and no third party between you and your customer. You extend terms to customers you already trust and carry the receivable yourself — exactly like your trade counter. The app's role is capturing and validating the reference on the order.
No — they show as Payment pending until you mark them paid after settling the invoice. That's correct behavior: your Shopify reports reflect reality, and unpaid orders are visibly unpaid.
The required, validated account number is the first gate — only real account holders can complete the option. Beyond that: state on the payment method that orders are subject to verification, review pending orders before fulfillment, and use Shopify Flow on the auto-applied tag to route unrecognized account numbers for approval.
As a pinned order metafield in Shopify admin, readable via the API. Orders are auto-tagged, so filtering Payment pending + trade-account gives you your open invoicing run in one click.
The app does, yes — checkout UI extensions are a Plus capability. Manual payment methods themselves are available on all Shopify plans.
Install Trade Account Checkout, pair it with a manual payment method, and take your first on-account order today.
Install on Shopify