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Glossary

Net-30 Payment Terms

Net-30 is the B2B payment term where the buyer pays 30 days after invoice date, rather than at checkout. Standard in B2B because procurement systems and AP cycles operate on weekly-to-monthly cadences; the seller takes credit risk unless a trade-credit platform carries it.

NKNilesh KumarJune 1, 20264 min readUpdated May 31, 2026
Yokaify
With Net-30, the buyer pays 30 days after the invoice, not at checkout.

How Net-30 works

The standard flow looks like this:

  1. The buyer places an order at checkout, with no payment captured.
  2. The order ships when it is fulfilled.
  3. An invoice goes out, usually the same day as the shipment or the next business day.
  4. The buyer pays within 30 days by check, ACH, wire, or B2B BNPL.
  5. The seller records the receipt, and a bad-debt allowance covers any non-payment.

The 30 days runs from the invoice date by default. Some contracts say "Net-30 from delivery" or "Net-30 from receipt" instead, so it is worth pinning down in writing.

Variants

  • Net-15. A faster cycle, often paired with an early-pay discount. "2/10 Net-30" means a 2% discount if paid within 10 days, with the full amount due in 30. Taking that early-pay discount works out to a high effective annual return, around 37% on 2/10 Net-30.
  • Net-60. Common on larger contracts and with EU, government, and institutional buyers, whose AP cycles run slower.
  • Net-90. Rare in standard B2B but common in defense, aerospace, and government contracting.
  • Net-30 EOM (End-of-Month). Due 30 days after the end of the month the invoice was issued in. Simpler for buyers' AP cycles, and it effectively stretches the average payment to about 45 days.

Who carries the credit risk

  • The seller. The native setup: invoice, wait 30 days, follow up if unpaid. The risk is bad debt; the upside is no transaction fee.
  • A trade-credit platform. Resolve, Slope, Balance, ApprovedB2B, or NowAccount underwrites the buyer, advances the seller within a day or two, and charges roughly 1-2.5% per transaction.
  • A hybrid. The seller carries the risk for small or established customers and hands new or high-value buyers to a platform.

Implementing it on Shopify and WooCommerce

  • Shopify Plus B2B: Net-30 ships natively, with manual approval per customer and the seller carrying the risk.
  • Shopify (any tier): a Resolve, Slope, or Balance plugin, or a renamed Manual Payment method.
  • WooCommerce: WC Net Terms, B2BWoo, the WooCommerce B2B plugin, or the Resolve plugin.
  • Custom: any platform, with manual invoicing plus accounts-receivable management.
  • B2B BNPL. Trade-credit platforms that offer Net-30-style terms with the platform carrying the risk.
  • Purchase order (PO). A procurement-system order, usually paired with Net-30. The PO is the buyer's document; Net-30 is the payment term.
  • Cash on delivery (COD). Payment at delivery, a different timing model entirely.

See also

First defined: June 1, 2026. Trade-credit platform data from Resolve, Slope, Balance, ApprovedB2B public pricing pages, May 2026.

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