Shopify B2B Payments in 2026: Net Terms, ACH, and What Shopify Will Never Underwrite

ACH direct debit for B2B orders shipped on Shopify on October 23, 2025. Seven weeks later the Winter ’26 Edition showcased it with the availability tag “Exclusive to Plus. US only.” Then on April 2, 2026 Shopify moved company profiles, payment terms, volume pricing, ACH and vaulted credit cards onto Basic, Grow and Advanced at no additional cost.

Shopify’s current B2B plan table shows Automated Clearing House with a checkmark on all four paid plans. If you’re paying $39 a month, you now have the same B2B payments rails a Plus merchant had ten months ago.

This is the payments half of a wholesale build. The companies, catalogs and pricing half lives in our guide to running wholesale on native Shopify B2B, and the two halves fail in different ways.

We build these setups for wholesale brands, and the same three questions come up on every scoping call: can Shopify do net terms, can we take ACH, and who eats it when a buyer doesn’t pay. The first two are yes, on any paid plan. The third is you, and no Shopify feature changes that.

Every figure below links to its source. Vendor claims are labeled as vendor claims in the sentence where they appear, plan availability and pricing are as of September 2026, and both move without notice. That’s the standard for the whole piece, so we won’t re-caveat each paragraph.

The chronology matters because the Plus label and the ship date belong to different events. ACH for B2B payments went live in October 2025. The Winter ’26 Edition went live on December 10, 2025 and put a Plus tag on a feature that had already shipped. That tag is now stale.

Here’s the changelog language from April 2, 2026, verbatim: “Merchants on Basic, Grow, and Advanced plans can start selling wholesale using native B2B features, available in their admin. This includes up to 3 active B2B catalogs (assigned via Markets), company profiles, payment terms, volume pricing, ACH payments (U.S. only), and vaulted credit cards.” Shopify’s own announcement of B2B for all plans carries the same scope.

Two smaller changes landed after that. Payment requests per fulfillment were announced on February 6, 2026 as a Plus feature, and API version 2026-04 added a $.cart.poNumber error target to Cart and Checkout Validation Functions, which is how you make PO numbers mandatory server-side instead of hoping a checkout UI extension holds.

The Spring ’26 Edition is the most recent Edition carrying B2B payments content, and it names two things: B2B features on more plans, and automated vaulted payments for B2B through Shopify Flow.

Shopify’s plan-features page is the authoritative source here, and it’s more specific than anything you’ll get from a sales conversation. These are the payments and checkout rows as published.

Plan prices from Shopify’s pricing page: Basic is $29 a month billed annually or $39 monthly, Grow $79 or $105, Advanced $299 or $399, and Plus starts at $2,300 a month. Shopify publishes card rates of 2.9% plus 30 cents on Basic, 2.7% on Grow and 2.5% on Advanced, and for Plus only the phrase “Most competitive rates,” with no figure attached.

One structural limit that gets misquoted constantly: Shopify’s companies documentation caps you at 10,000 locations per company, 10,000 customers per company, 50 customers per location and 25 catalogs per location. The 50 is a per-location contact cap, not a per-company location cap.

Four payments capabilities stay behind the Plus gate. Deposits on companies and on draft orders, partial payments, payment requests per fulfillment, and direct catalog assignment to a company or location.

The gate shows up in the API too. Shopify’s orderCreateManualPayment mutation records a manual payment against an order that isn’t fully paid, and its amount argument requires a Plus store. On a non-Plus plan the API can only record a payment in full.

That’s the honest Plus case for B2B payments, and it’s narrower than it was. If your wholesale program needs deposits on custom manufacturing runs, or you ship multi-shipment orders with mixed lead times and want to collect per shipment, Plus buys you something specific. If it doesn’t, the plan question deserves less weight than it used to, and our piece on when it’s actually time to move B2B onto Shopify Plus now resolves toward “later” for a lot of brands.

Shopify’s payment terms documentation offers net 7, 15, 30, 45, 60 and 90, plus due on fulfillment and a fixed date on draft orders. Then it says this, verbatim: “All terms start from the day the order is placed.”

Read that against how trade credit is normally counted. Olivier’s Business Math chapter on invoicing terms/07:_Accounting_Applications/7.04:_Invoicing_-_Terms_of_Payment_and_Cash_Discounts) defines three conventions for the date of commencement: ordinary invoice dating starts on the invoice date, end-of-month dating starts on the last day of the invoice month, and receipt-of-goods dating starts the day the customer physically receives the goods. OpenStax’s trade credit chapter confirms the default, defining 2/10 n/30 against the invoice date.

Shopify’s clock is a fourth convention, and it’s stricter on the buyer than any of the three. If you invoice on shipment and carry a two-week lead time, a Shopify net 30 gives your buyer roughly 16 days from the day the goods leave your dock. Under end-of-month dating the same buyer’s real float would swing between 30 and about 60 days depending only on where in the month the invoice landed.

Three things follow. Write the order-date convention into your terms sheet in plain language, because a buyer’s AP department will default to invoice date and pay you late in good faith. Consider net 45 or net 60 on Shopify where you’d have offered net 30 on invoice dating, so the effective credit period matches what you actually negotiated. And check what your ERP thinks the due date is, because it’s keyed on a different event.

Shopify’s overdue handling is deliberately soft: “After the terms expire, customers can still make payments but the order displays as Overdue in customer accounts.” Nothing stops the buyer, nothing collects for you.

If you’re pricing an early-payment discount into your terms, run the number your buyer’s CFO runs. OpenStax gives the formula and its own worked example for 2/10 net 30, and it uses a 360-day year: 360 divided by 20, times 2 over 98, equals 36.73%.

The arithmetic in full, on that 360-day basis. Taking the discount means paying 98 to settle 100, so the periodic cost of not taking it is 2 divided by 98, or 2.0408%. You’re buying 20 extra days of credit, which fits into a 360-day year 18 times. 2.0408% times 18 is 36.73%.

On a 365-day basis the same formula gives 37.24%, and the only difference is the day-count convention you chose.

Now change the net period. Net 60 payment terms with the same 2/10 discount move the extra credit days from 20 to 50, so the multiplier drops from 18 to 7.2, and the annualized cost falls to 14.69% on the same 360-day basis. Doubling the net period doesn’t halve the cost, because the denominator is the extra credit days, not the net period. A discount attached to net 60 is a fundamentally weaker incentive than the same discount attached to net 30.

There’s a compounding variant in the academic literature that runs higher. Petersen and Rajan’s NBER working paper on trade credit describes a customer who skips the discount and pays on day 30 as “effectively borrowing over the next 20 days at an annual rate of 43.5 percent,” compounding 2% on the full invoice across a 365-day year. Cite whichever basis you like in your terms conversation, but name it, because the three numbers are the same fact under three conventions.

Shopify’s ACH Direct Debit page sets four eligibility conditions: your store is in the United States and accepts USD, you’ve fulfilled more than 100 orders, you’re past trial on an active plan, and Shopify Payments identity verification is complete. Your buyer needs a United States bank account and has to pay in USD. Nothing on that page mentions Plus.

Shopify publishes no percentage or per-transaction rate for ACH anywhere. The only ACH figures Shopify publishes are a $4 fee on a failed transaction and a $15 fee on a chargeback, and processing fees aren’t returned on refunds. Any cost comparison you see with a Shopify ACH percentage in it was invented, so the arithmetic below uses third-party processor list prices instead and is labeled as exactly that.

B2B payment processing costs turn on the rail and its cap, not on the platform. These are published list prices from four processors, as of September 2026.

Those rates come from Stripe’s pricing page and its local payment methods schedule, PayPal Braintree’s fee page, GoCardless US pricing and Adyen’s ACH Direct Debit page.

Take a $25,000 wholesale order. A card at 2.9% plus 30 cents costs $725.30. Stripe’s standard ACH at 0.8% would be $200.00 uncapped, so the $5.00 cap takes over and the transaction costs $5.00. That’s a difference of $720.30 on one order, and the card costs 145 times the capped ACH transaction.

The cap is doing all of that work. Stripe’s 0.8% reaches the $5.00 cap at a $625 ticket, Braintree’s 0.75% at $666.67, and GoCardless US Standard at $990. Above those thresholds the effective ACH rate falls continuously while the card rate stays linear, which is why B2B payments on large tickets diverge from DTC economics so sharply.

The Federal Reserve’s 2025 Payments Study puts the structural version of that on the record. In 2024 cards were 79% of noncash payments by number but only 8% by value, ACH reached 74% of noncash value, and the average card payment was $61 against an average ACH payment of $2,622. Nacha’s 2025 network statistics count 8.08 billion B2B ACH payments worth $63.11 trillion, up 9.9% by count.

Ticket size is the standard objection to ACH for wholesale, and it’s mostly a Same Day ACH problem. Nacha’s Same Day ACH page puts the current per-payment limit at $1,000,000, in force since March 2022, and Nacha members approved an increase to $10,000,000 effective September 17, 2027.

The accelerated ACH tiers throw the cap away, and that reverses the entire argument. Braintree’s Same Day ACH is listed at 1.5% plus $0.10, which on that same $25,000 order is $375.10, more than half the cost of a 2.9% card. Stripe’s two-day settlement tier at 1.2% works out to $300.00. Neither page states a cap on those tiers, and absence of a stated cap isn’t proof there’s none, so confirm it with your processor before you model it.

Standard settlement is the tier that makes ACH cheap, and slow on purpose. Shopify documents up to four business days for the payment to process, with the order’s payment status sitting at Pending throughout, refunds available within 180 days and also taking up to four business days.

For honesty about what a card could ever cost, the interchange floor is public. Visa’s US interchange schedule effective April 18, 2026 prices Large Purchase Advantage card-not-present between $10,000.01 and $25,000 at 0.70% plus $49.50, which is $224.50 of interchange on a $25,000 order before scheme fees or processor markup. That’s the best-qualifying commercial program, it requires a commercial or purchasing card with enhanced data, and it still costs 45 times the capped ACH transaction. Visa states the caveat itself: “Merchants do not pay interchange reimbursement fees; merchants pay ‘merchant discount’ to their financial institution.”

Consumer credit card-not-present programs have no large-ticket relief at all. Visa’s Product 1 consumer credit CNP rates run from 1.89% to 2.60% plus $0.10 with no dollar cap, so a $25,000 order paid on a personal Visa generates between $472.60 and $650.10 of interchange before anyone’s margin, depending on the card tier your buyer happens to carry.

ACH Direct Debit is a non-guaranteed rail, and Shopify says so. Failures and disputes happen, disputes can run “up to 60 calendar days, or in some cases after the 60-day period,” and a $4 failed-transaction fee applies.

The window is not the same for business accounts, and that asymmetry is the real risk argument for B2B payments on ACH. Stripe’s ACH documentation states it plainly: customers can generally dispute “for up to 60 calendar days after a debit on a personal account, or up to two business days for a business account,” and disputes inside those windows are final and uncontestable through the ACH network. The underlying reason is Regulation E, which governs consumer electronic fund transfers and doesn’t apply to business accounts.

Nacha’s own return-reason guidance confirms the consumer side, stating a 60-day return timeframe for R11 and treating those returns as unauthorized with a Written Statement of Unauthorized Debit required. The corporate unauthorized code sits under the ordinary administrative window, and the governing text is in the paid Nacha Operating Rules, so Stripe’s documentation is the citable version.

Set against a card chargeback right that runs far longer, debiting a business bank account is the lower-variance way to collect a large wholesale invoice. One operational limit to know: Shopify documents that you can’t accept ACH for in-person sales through the Shopify POS app.

Shopify is explicit that terms don’t collect themselves: “Payments aren’t automatically captured when the payment terms expire.” The vaulted bank accounts page repeats it for bank debits, stating that the bank account isn’t automatically debited when the payment terms expire.

B2B payment automation on Shopify is one specific pairing. The Payment schedule is due trigger fires the Charge vaulted payment for B2B order action, which charges a vaulted credit card or debits a vaulted bank account. It requires Shopify Payments, an order with payment terms, and a vaulted method already on file, and the bank-debit path requires both merchant and customer in the United States.

The vaulting itself happens at checkout or from the buyer’s account. Shopify’s language on consent is worth quoting to your legal team: “ACH Direct Debit rules require that the customer gives authorization for you to debit their bank account. Make sure you have all the necessary approvals from your customer when creating a draft order and debiting a vaulted bank account.”

Underneath the automation sit payment reminders, and they’re on every plan. Shopify’s deferred payments documentation allows up to five reminder emails per order, scheduled on the due date or up to 30 days after it. Reminders don’t send for orders with purchase options, and B2B doesn’t support purchase options anyway.

The version we build for most clients is native terms, ACH enabled, a vaulted method captured at first order, and a Flow that charges on the due date. That covers the collection mechanics completely, and it covers the credit risk not at all.

Shopify’s payment terms documentation contains no statement about underwriting, financing or guaranteeing that a buyer pays. Net terms are an invoicing and due-date feature. When a wholesale account goes bad, the loss is yours in full.

The Winter ’26 Edition lists an item called “Dynamic credit limits,” described in full as access to “a credit limit that automatically adjusts based on your sales, utilization, and repayments with Shopify Credit,” tagged US only. Shopify Credit is “a pay-in-full Visa business card” issued to eligible Shopify merchants, and Shopify reviews the account every six months for a limit increase as the merchant’s sales grow.

Shopify extends that card to you. It doesn’t extend credit to your wholesale buyers, and it does nothing when a customer misses a net 60 invoice. Winter ’26’s other credit-adjacent item, “dynamic payment terms and deposits,” is a rules engine Shopify describes verbatim as “third-party or custom apps powered by Shopify Functions to set dynamic payment terms and deposit requirements,” and it’s tagged exclusive to Plus. Store credit for B2B is a balance the buyer already holds, capped at less than $10,000 USD per company location, applied only in full, and Shopify states it “can’t be used towards a deposit.”

Shopify doesn’t document a credit limit for B2B buyers. The Admin GraphQL CompanyLocation object has no creditLimit field, BuyerExperienceConfiguration has no credit-limit field either, and no documented behavior blocks an order when a buyer’s outstanding balance crosses a threshold. That’s an absence in the documentation, not a statement that it can’t be built.

What merchants actually assemble from native parts:

Order value limits became available on all plans on April 13, 2026, which is what makes the non-Plus version of this workable. The balance you’d measure against sits in Order.totalOutstandingSet, described as the total amount not yet transacted for an order, and PaymentTerms.overdue tells you whether any schedule has passed its date. Summing those across a company location is app work, not a setting.

One native behavior surprises merchants during scoping, so check it against your plan. Shopify’s B2B payment methods page states that manual payment methods are displayed only when it’s time for the customer to pay, and specifically not for “Orders with payment terms, where the customer pays at a later date.” A “pay by wire” tile sitting next to net 30 at checkout isn’t how the B2B payment methods surface behaves.

If you want someone else to carry the default, you’re buying a third-party product. Every provider below claims to assume the credit risk, and every one of those claims is the vendor’s own marketing language.

Balance markets that it “takes on the credit risk for every approved buyer and ensures you get paid,” with buyers paying up to net 90. Read the structure before the headline: Resolve’s FAQ says its financing is “non-recourse on approved buyers for credit risk,” then carves out disputes tied to merchandise issues or merchant error, and states that “Your advance rate (50%, 75%, 90%, or in some cases 100%) is set during onboarding.” Paid upfront usually means partly paid upfront.

Credit Key, which announced $90M in growth capital in January 2026, claims it takes “100% of the risk” and pays merchants “within 48 hours,” with a footer noting that loans are made by Lead Bank subject to credit approval and that a personal guaranty may be required. In Europe, Mondu’s Shopify documentation states its payment app “cannot be downloaded from the Shopify App Store” and requires contacting their integration team, and the checkout method it offers is invoice by bank transfer on net 30 terms. Two’s Shopify integration runs through Mondido, a gateway, rather than an app install, and Billie distributes through Stripe, Adyen, Klarna and Mollie with Shopify absent from that list.

Merchant-side pricing is unpublished for every risk-taking provider on that list. One illustrative figure exists, a 2.61% cost on 30-day terms on one of Resolve’s marketing pages, while its pricing page describes custom scoping. Budget for a sales cycle, not a signup.

The Shopify App Store is a poor way to survey this market. There’s no B2B, net terms or trade credit category, the Pay Later category is almost entirely cash-on-delivery apps, and Shopify’s own curated guide to selling B2B names no trade credit provider at all. The apps that do surface under net-terms filters are tracking software rather than financing: Net Vantage lists $29, $59 and $99 monthly tiers by customer count, and Net Terms Tracker offers a free tier and a $29 Pro plan.

Stale recommendations circulate for years in this category, so check any list against these. Hokodo shut down after eight years, with its final transaction in November 2025, and its website was still serving normal marketing pages in September 2026. Apruve no longer exists as a brand: its domain redirects to TreviPay and its App Store listing returns a 404.

Kriya’s own site states that “As of October 2025, Kriya is now owned by Allica Bank,” and it names no Shopify integration. Vartana was acquired by Capchase in June 2025 and was never a Shopify product. Slope has repositioned away from merchant net terms toward credit infrastructure. If a comparison you’re reading recommends any of these five for Shopify B2B payments, it’s describing a market that ended.

Shopify’s external integrations page carries one sentence that predicts most of the pain: “Some integrations in the Shopify App Store aren’t fully compatible with Shopify B2B, specifically companies and catalogs.” A generic accounting connector will sync the order and drop the company, the location and the payment terms, which are the three things a B2B receivable is keyed on.

The AR primitive isn’t the order. It’s PaymentSchedule, which carries dueAt, issuedAt, completedAt, balanceDue and totalBalance, and one order on terms with a deposit produces several of them under a single PaymentTerms. A connector that maps one Shopify order to one accounting invoice breaks the moment a deposit or a partial payment enters the picture. Deposits compound it, because Shopify calculates them on the order subtotal only, excluding taxes and shipping.

Shopify’s own integration table thins out fast on the fields that matter. Of the fourteen named direct and iPaaS connectors, only NetSuite, Fulfil and OmnifiCX sync draft orders at all, and only those three plus Patchworks carry refunds and cancellations in both directions. Everywhere else corrections travel Shopify to external and never come back. Xero isn’t on the direct list; it appears only through A2X, which pushes payment terms Shopify to external only.

A2X is the one connector that documents its own limits publicly, and its B2B reconciliation documentation is the most honest description of where this lands. It states that “there are parts of the B2B process that the Bookkeeper will need to take ownership of regarding payment reconciliation,” and its troubleshooting guide adds that it “does not sync partial payments from the system to Shopify” and that once an order syncs, “no further changes can be updated.”

Cash application has no documented home. A buyer paying six invoices in one ACH debit produces one bank credit against six Shopify orders, and Shopify’s native collection routes are per-order: send invoice, mark as paid, or pay by credit card. Short-pays, over-pays and deductions aren’t addressed in Shopify’s B2B documentation, and neither is an accounts receivable aging report. PaymentTerms.overdue and PaymentSchedule.dueAt are the raw material; the aging report is something you build.

Two smaller traps that cost real hours. Shopify names the same money three ways, so OrderDisplayFinancialStatus uses PENDING and PARTIALLY_PAID while the admin order list adds Due, Expiring and Unpaid, and the deferred payments docs use Overdue. And because manual methods don’t display on terms orders, a wire against a net 60 invoice gets recorded through Mark as paid, so the payment method never lands on the order for a connector to read.

Scoping this as an integration rather than a payments setting is what our guide to connecting Shopify to an ERP covers.

Native is enough when three things are true. You sell to buyers you already know and have trading history with, your buyers bank in the United States, and a single default would be painful rather than existential. In that shape, native terms plus ACH plus a vaulted method plus one Flow gets you paid at close to zero payment cost, and the money you’d hand a credit provider stays in the business.

A credit provider earns its fee under a different shape. You’re onboarding buyers you can’t underwrite, you’re growing into accounts whose failure would hurt, you need bank debit in Europe where Shopify’s ACH flow doesn’t reach, or you need the cash today rather than in 60 days. Weigh the fee against the loss rate you’d otherwise carry, and read the advance rate before you read the risk claim.

The loss rate isn’t hypothetical. Atradius’s US Payment Practices Barometer for 2025, based on 240 interviews conducted between the end of Q2 and mid Q3 2025, reports that by value of B2B invoices, 52% were paid on time, 43% went overdue and 5% became bad debt, with customer liquidity issues named as the top cause at 45%. That’s a small sample for a whole country, and the direction is what to take from it rather than the decimal.

The gap between agreed terms and actual behavior is the number to plan around. Intrum’s European Payment Report 2026, a survey of 8,385 businesses across 20 European countries that doesn’t publish its fieldwork dates or method, puts the B2B payment gap at 20 days, widened from 16 days in 2023. If you’re writing net 30 payment terms, model net 50.

Measure it correctly once it’s running. The Credit Research Foundation’s performance measures guide defines Average Days Delinquent as DSO minus Best Possible DSO, which strips your own terms out and leaves only lateness.

Regulation is moving underneath all of this in two markets. The European Commission’s late payment rules require enterprises to pay within 60 days unless they expressly agree otherwise, with automatic interest of at least 8% above the ECB reference rate and a €40 minimum recovery cost, and the proposed replacement Regulation is formally listed as blocked in Council as of August 2026. In the UK, the Commercial Payments Bill was introduced in May 2026 proposing maximum payment terms of 60 days with limited exemptions and interest at 8% above the Bank of England base rate, with a lead-in before commencement. If you sell into either market, your net 90 option may not survive the decade.

Your wholesale buyers already decided you’re worth ordering from. Whether they pay on time isn’t a relationship question. It’s a systems question, and the systems are cheaper than they were a year ago.

Net terms counting from the wrong day. An ACH rail you never switched on, paying card rates on $25,000 orders. An accounting sync that books revenue four business days before the cash is real.

None of that shows up in a demo. All of it shows up in your aging.

We build B2B payments on Shopify end to end: companies and terms, ACH and vaulted methods, Flow automation, and the reconciliation path into your accounting stack. See how we build wholesale commerce on Shopify, or book a free Growth Audit and we’ll show you where your receivables are leaking.

No assumptions. No selling you work you don’t need.