payment-terms-optimization（付款条件优化）

Payment Terms Optimization

Overview

Payment terms define when a B2B customer must pay for goods delivered on credit: net-30 (due 30 days after invoice), net-60, net-90, or early-payment variants like "2/10 net-30" (2% discount if paid within 10 days). Offering flexible payment terms is a competitive advantage in B2B commerce — it reduces friction in the purchase decision — but introduces credit risk that must be carefully managed.

The right tools depend on your platform. Shopify Plus, BigCommerce B2B Edition, and several WooCommerce plugins provide native net-terms support. For smaller setups, a combination of your ecommerce platform and an invoicing tool (Invoiced, Stripe Invoicing) is the most practical approach.

When to Use This Skill

• When moving from prepay-only to net-terms for B2B customers to increase conversion
• When different customer segments need different terms (SMB net-30 vs. enterprise net-60)
• When you want to incentivize early payment with discounts to improve cash flow
• When setting up a new wholesale or distribution channel with trade accounts
• When credit losses are rising and you need better credit limit enforcement

Core Instructions

Step 1: Determine your platform and choose the right payment terms tool

Step 2: Configure payment terms per customer

Shopify Plus (B2B native)

1. Go to Shopify Admin → Customers → Companies and create a company profile for each B2B account
2. Click a company and go to Payment methods — set their payment terms:

- Net 7, Net 15, Net 30, Net 60, Net 90 - or a custom number of days

1. Set a Credit limit on the company — orders that would exceed the limit are blocked or sent for approval
2. When a company buyer places an order, Shopify automatically creates an invoice with the correct due date and sends it to the buyer's email
3. The buyer can pay via a link in the invoice email; Shopify marks the order as paid automatically

Early payment discounts on Shopify Plus: Shopify B2B does not natively support "2/10 net-30" early payment discounts. Use Invoiced app for early payment discount terms — configure in Invoiced → Settings → Payment Terms → Early Payment Discount.

Shopify (Standard, via Invoiced app)

1. Install Invoiced from the Shopify App Store
2. Go to Invoiced → Settings → Payment Terms and create your term configurations: Net 30, Net 60, Net 90, 2/10 Net 30
3. In Invoiced → Customers, assign payment terms per customer
4. When a Shopify order is placed by a net-terms customer, Invoiced automatically generates an invoice with the correct due date
5. Configure dunning: go to Invoiced → Settings → Chasing and set up a reminder schedule (1 day before due, 1 day overdue, 7 days overdue, 14 days overdue)

WooCommerce

1. Install WooCommerce B2B plugin (by WooCommerce or a third-party B2B plugin)
2. Go to WooCommerce → B2B Settings → Payment Terms and configure terms per customer role or per customer
3. Install WooCommerce PDF Invoices & Packing Slips to automatically generate invoices with due dates
4. For early payment discounts, you can use a custom pricing rule (WooCommerce Dynamic Pricing plugin) that applies a percentage discount when a coupon code representing the early payment option is used

Credit limit enforcement in WooCommerce:

1. In the B2B plugin settings, set credit limits per customer or customer group
2. Configure the behavior when the limit is exceeded: block the order or notify an admin for approval
3. Credit is automatically released when an invoice is paid

BigCommerce B2B Edition

1. In B2B Edition → Company Management → Payment Methods, enable net-terms
2. In B2B Edition → Companies → [Company] → Credit, set:

- Credit limit - Payment terms (Net 30, Net 60, etc.) - Credit status (Approved, Pending, Suspended)

1. When a company buyer places an order, BigCommerce B2B Edition generates an invoice with the configured terms
2. The buyer can view and pay outstanding invoices from their account portal

Custom / Headless

Use Stripe Invoicing for net-terms enforcement without building a credit system from scratch:

// Create a customer with payment terms in Stripe
const customer = await stripe.customers.create({
  email: customerEmail,
  name: companyName,
  metadata: { payment_terms: 'net_30', credit_limit: '50000' },
});

// Create an invoice with net-30 terms
const invoice = await stripe.invoices.create({
  customer: customer.id,
  collection_method: 'send_invoice',
  days_until_due: 30,            // Net-30
  auto_advance: true,            // Automatically finalize and send
  description: `Invoice for Order ${orderNumber}`,
  metadata: { order_id: orderId, po_number: poNumber },
});

// Add line items, then finalize and send
await stripe.invoiceItems.create({ customer: customer.id, invoice: invoice.id, amount: orderTotal, currency: 'usd', description: orderDescription });
await stripe.invoices.finalizeInvoice(invoice.id);
// Stripe auto-sends the invoice and handles dunning reminders via Billing settings

Configure dunning in Stripe Billing settings: Go to Stripe Dashboard → Billing → Settings → Invoice reminders and configure automatic reminders: 3 days before due, on due date, 3 days after, 7 days after, 14 days after.

Credit limit enforcement (custom):

async function checkCreditAvailability(customerId, orderAmount) {
  const customer = await db.customers.findUnique({ where: { id: customerId } });
  const openInvoicesTotal = await db.invoices.aggregate({
    where: { customerId, status: { in: ['sent', 'overdue', 'partially_paid'] } },
    _sum: { amountDue: true },
  });

  const currentBalance = openInvoicesTotal._sum.amountDue ?? 0;
  const availableCredit = customer.creditLimit - currentBalance;

  if (orderAmount > availableCredit) {
    return { approved: false, availableCredit, shortfall: orderAmount - availableCredit };
  }
  return { approved: true, availableCredit: availableCredit - orderAmount };
}

Step 3: Optimize terms for cash flow and credit risk

The right terms for each customer tier:

Early payment discount economics: "2/10 net-30" means the customer gets a 2% discount if they pay within 10 days instead of 30. For the customer, this is equivalent to borrowing at ~36.7% APR — most customers with any cost of capital should take the discount. For you, paying 2% to receive payment 20 days earlier is typically better than your borrowing cost.

Annual credit review: Review every credit account annually — set a calendar reminder. A customer who qualified for $50,000 credit 2 years ago may look very different today. Reduce limits for customers who have developed slow-pay patterns.

Best Practices

• Start new B2B customers on stricter terms — onboard new accounts at net-30 or net-15 and upgrade after 6 months of on-time payment; never start with net-60 or net-90 without a credit check
• Never ship to accounts on credit hold — enforce credit holds at the order level, not just the invoicing level; once goods leave the warehouse you have lost leverage
• Price early payment discounts correctly — "2/10 net-30" implies an annualized cost of ~36.7% to the customer; communicate this value clearly
• Segment collections intensity by risk tier — high-risk customers need follow-up on day 3 overdue; long-term accounts with a perfect history deserve more grace
• Document every credit decision — store the reason for every credit limit change; you will need this if you ever need to defend a write-off to auditors

Common Pitfalls

Related Skills

• @accounts-receivable-automation
• @invoice-generation-automation
• @payment-reconciliation-automation
• @stripe-integration