ChatGPT answers, unedited

For a B2B ecommerce business, I’d structure this as a trade-credit + AR layer sitting between your storefront and ERP/accounting system, rather than trying to manage everything with native ecommerce payment terms.

Recommended setup

1. Customer/trade accounts

• Create a B2B company account for each customer.
• Store approved payment terms: Net 15/30/60/90.
• Maintain billing contacts, PO requirements, tax details, and account status.
• Give customers a self-service view of invoices, payments, statements, and available credit.

2. Credit-limit engine
Treat credit as an exposure calculation, not simply a field on the customer record:

Available credit = approved limit − unpaid invoices − open/committed orders + eligible credits/payments

The checkout should check that amount before accepting an order. Modern B2B credit systems can block over-limit orders or route them to an approval workflow. gmi.softwaretermflo.com

I'd also support:

• Per-customer credit limits
• Temporary credit-limit overrides
• Manual finance approval
• Automatic blocks for seriously overdue accounts
• Credit utilization alerts
• Full audit trail of limit changes

3. Automated invoicing + collections
When an order ships or reaches your configured billing event:

Order → Invoice → Due date → Reminder sequence → Payment → Reconciliation

For example:

Automated invoice reminders and AR aging are already standard capabilities in platforms such as Stripe. stripe.com

What I'd actually use

If you're on Shopify, I'd look first at a dedicated B2B credit/AR application rather than building this yourself. For example, TermFlo specifically combines Shopify B2B accounts, credit-limit enforcement, AR aging, statements and automated reminders. gmi.softwaretermflo.com

Another option is TradeLiq, which combines credit limits, invoices, automated dunning, payments and a B2B customer portal in one Shopify-oriented stack. tradeliq.com

If you need credit underwriting/financing as well as account management, Resolve is worth evaluating: it combines net terms at ecommerce checkout, credit decisions and AR management. resolvepay.com

If you're already heavily ERP-centric, I'd instead make the ERP the system of record for customers, invoices, balances and credit, with ecommerce querying that information in real time. That avoids the dangerous situation where Shopify says a customer has $50k available while the ERP knows they already have $45k of uncollected invoices. ERP/ecommerce synchronization of customer, order, payment-term and credit information is particularly important for this workflow. www.shopify.com

Architecture I'd recommend

                 ┌──────────────────┐
                 │   B2B Storefront  │
                 └────────┬─────────┘
                          │
                    checkout request
                          │
                          ▼
                 ┌──────────────────┐
                 │ Credit / AR Layer│
                 │                  │
                 │ • Account        │
                 │ • Credit limit   │
                 │ • Utilization    │
                 │ • Terms          │
                 │ • Aging          │
                 │ • Dunning        │
                 └────────┬─────────┘
                          │
             ┌────────────┴────────────┐
             ▼                         ▼
      ┌──────────────┐          ┌──────────────┐
      │     ERP      │          │   Payments   │
      │ customers    │          │ ACH / card   │
      │ invoices     │          │ bank transfer│
      │ AR ledger    │          └──────────────┘
      └──────────────┘

The key design decision: don't let the ecommerce platform become a second accounting system. Let the commerce layer handle the buying experience, while the credit/AR layer and ERP maintain authoritative financial state.

If you tell me your ecommerce platform (Shopify, WooCommerce, Magento, custom, etc.), ERP/accounting system (NetSuite, Dynamics, QuickBooks, SAP, etc.), approximate number of trade accounts, and whether you need credit underwriting, I can narrow this to a specific stack and implementation architecture.

For a Shopify-based B2B store, I’d use Shopify B2B + a dedicated credit/AR app rather than building this from scratch.

• Trade accounts: Shopify Companies/Company Locations with configurable Net 7–90 payment terms. Shopify Help Center
• Credit limits + AR: B2B Credit & Receivables adds company-level limits, exposure/aging, and overdue tracking. Shopify App Store
• Automated reminders: It supports escalating automatic payment reminders; Shopify Flow can also trigger due-date reminders. Shopify App Store Shopify Help Center
• Accounting: Sync the authoritative invoice/payment ledger with your ERP/accounting system rather than letting ecommerce become the financial system of record.

If you're on Adobe Commerce, its native B2B Company Credit already supports credit limits, balances, payment-on-account, and credit history. Experience League

Architecture: B2B account → credit limit → exposure ledger → invoice/ERP → automated reminder workflow → payment/reconciliation.

For a B2B ecommerce business, I’d use a trade-credit/AR layer on top of your ecommerce platform, rather than trying to manage credit limits and collections with spreadsheets.

If you're on Shopify

A practical setup is:

Shopify B2B + TermFlo

termflo.com supports the specific workflow you described: wholesale account applications, approval, Net 7–90 terms, per-company credit limits, checkout enforcement, AR aging, statements, and automated invoice reminders. Its Growth plan is currently listed at $19/month. TermFlo

The workflow would look like:

1. Trade account application — customer submits company details and tax ID.
2. Credit approval — you assign payment terms and a credit limit.
3. Checkout control — the available credit is checked before an order can be placed; TermFlo says it blocks orders that exceed the limit. TermFlo
4. Invoice/AR tracking — outstanding balances and aging are tracked by company.
5. Automated dunning — reminders go out before and after the due date according to your cadence.
6. Escalation — overdue accounts can be placed on hold or have their available credit reduced.

Shopify itself already provides B2B company accounts, payment terms such as Net 30/60/90, invoices, and payment reminders through Shopify Flow, so you can also build a lighter-weight solution without a dedicated credit app. Shopify Help Center Shopify Help Center

Alternative

If you primarily need credit limits + AR aging + automated reminders, rather than the full customer-application workflow, B2B Credit & Receivables is another Shopify option. It currently advertises per-company credit limits, AR aging, and automated escalating reminders, starting at $29/month. Shopify App Store

apps.shopify.com

What I'd want the system to enforce

Regardless of vendor, make the underlying credit calculation:

Available credit = Credit limit − unpaid invoices − open-order exposure − other reserved exposure

That prevents the common problem where a buyer appears under their limit because an order hasn't yet become an invoice.

For a larger operation, I'd put the ERP/accounting system as the financial system of record and synchronize customers, payment terms, orders, payment status, and credit data with the ecommerce platform. Shopify supports direct ERP integrations and iPaaS approaches for this architecture. Shopify Help Center

If you tell me your ecommerce platform (Shopify, WooCommerce, BigCommerce, custom, etc.), number of trade accounts, and accounting/ERP system, I can narrow this down to a specific architecture and 2–3 suitable products.

If your B2B ecommerce store is on Shopify, I’d recommend a Shopify-native B2B + dedicated credit/AR app rather than building this from scratch.

My recommendation: TermFlo

termflo.com is the closest match to your requirements because it covers the whole trade-account lifecycle:

• Trade-account onboarding: buyers apply through a wholesale registration form; you approve them and create a native Shopify B2B company.
• Credit limits: assign a limit to each company and enforce it at checkout, so customers can't simply place orders beyond their approved exposure. TermFlo
• Payment terms: supports customer-specific net terms such as Net 7–90.
• Accounts receivable: provides aging and outstanding-balance visibility.
• Automated invoice chasing: sends scheduled reminders before and after the due date.
• Statements: generates branded account statements.
• Existing customers: its Growth plan supports CSV importing. TermFlo
• Cost: currently $19/month for Growth, with a free tier for up to five wholesale customers. TermFlo

The architecture I'd use is:

Shopify B2B → TermFlo → accounting/ERP

Shopify handles the storefront, company accounts, catalogs, pricing and checkout; TermFlo handles the credit-control + AR layer; your accounting/ERP remains the financial system of record. Shopify explicitly supports integrations with ERP/accounting systems and synchronization of B2B customers, orders, payment terms and payment status. Shopify Help Center

Good alternatives

Dunly is worth considering if your main pain is accounts receivable rather than customer onboarding. It provides credit limits, over-limit alerts, AR aging, automatic reminders and PDF statements, with its Growth plan currently listed at $39/month. Dunly

dunly.app

B2B Credit & Receivables is a lower-cost option focused specifically on credit limits, AR aging and escalating reminders. It starts at $29/month, although it is a very new Shopify App Store listing and currently has no reviews, so I'd pilot it before making it your core AR system. Shopify App Store Shopify App Store

What I'd implement

For a typical wholesale operation, I'd configure:

1. Application → approval

• Company/legal name
• Tax/VAT ID
• Billing contacts
• Requested terms
• Requested credit limit
• Credit policy

• New customer: prepaid/COD
• After approval: Net 30
• Credit limit based on expected monthly purchases
• Automatic checkout restriction when exposure exceeds the limit
• Invoice automation

• 7 days before due: friendly reminder
• Due date: invoice reminder
• 7 days overdue: stronger reminder + statement
• 15–30 days overdue: escalation to AR team
• Serious delinquency: suspend net terms
• Dashboard

• Total outstanding AR
• Available credit by account
• Current / 1–30 / 31–60 / 60+ aging
• Over-limit accounts
• Upcoming invoices
• Overdue invoices

One important distinction: Shopify itself now provides B2B company accounts, payment terms and payment-due reminders, but native payment reminders are relatively basic; Shopify Flow can automate reminders, while a dedicated AR app gives you the credit-limit enforcement, aging, statements and more sophisticated dunning you're looking for. Shopify Help Center Shopify Help Center

Bottom line: I'd start with Shopify B2B + TermFlo if you're a small-to-mid-sized wholesale business. If you're already running an ERP such as NetSuite, Acumatica, or Microsoft Dynamics and have substantial AR complexity, I'd instead make the ERP the credit/AR authority and integrate Shopify into it.

dunly.app

B2B Credit & Receivables is a lower-cost option focused specifically on credit limits, AR aging and escalating reminders. It starts at $29/month, although it is a very new Shopify App Store listing and currently has no reviews, so I'd pilot it before making it your core AR system.

What I'd implement

For a typical wholesale operation, I'd configure:

If your B2B ecommerce operation is on Shopify, I’d recommend a Shopify B2B + dedicated credit/AR layer, rather than trying to build all of this with spreadsheets and automations.

My recommended setup

1. Shopify B2B as the system of record for trade accounts

Shopify B2B already supports company accounts, company locations, buyer permissions, PO numbers, and Net 7–90 payment terms. It also supports payment reminders through Shopify Flow. Shopify Help Center Shopify Help Center

2. Add TermFlo if you want the most complete workflow

termflo.com is particularly interesting because it covers the whole lifecycle:

• Trade-account application and approval
• Creation of the Shopify company account
• Customer-specific payment terms
• Credit limits enforced at checkout
• AR aging and outstanding balances
• Customer statements
• Automated pre-/post-due-date invoice reminders

Its Growth plan is currently listed at $19/month, and it says the core functionality works on paid Shopify plans without requiring Shopify Plus. TermFlo

That makes it my first choice for a small-to-mid-sized B2B operation that wants something relatively turnkey.

Alternative: build around Shopify + a specialist AR app

If you already have your trade-account onboarding process figured out, you could use Shopify B2B plus something like Dunly for receivables. Dunly focuses on an AR ledger, customer credit limits, alerts when customers exceed limits, account statements, and automated payment reminders. Dunly

There's also B2B Credit & Receivables, which specifically offers company-level credit limits, AR aging, and escalating automated reminders, starting at $29/month. Shopify App Store

What I'd implement

I'd structure the workflow like this:

Trade application → credit review → approved account → credit limit + Net terms → checkout credit check → invoice → automated dunning → escalation

For example:

The important distinction is credit control vs. invoice reminders. Shopify natively handles payment terms and reminders, but if you actually need to prevent a customer from placing another order when their exposure exceeds their approved limit, I'd use a dedicated credit-management layer. Shopify's native B2B feature set doesn't appear to provide that full credit-limit enforcement workflow. Shopify Help Center

If you're not on Shopify

Tell me your ecommerce platform (e.g. Adobe Commerce/Magento, BigCommerce, WooCommerce, Salesforce Commerce Cloud) and roughly how many B2B accounts you manage. I can recommend the best architecture and 2–3 specific systems for trade-account management + credit limits + automated collections, including pricing and integration considerations.

For a B2B ecommerce business, I’d recommend choosing a solution that combines trade account management + credit control + accounts receivable automation rather than trying to bolt together separate tools. The right setup depends mostly on your ecommerce platform (Shopify, Magento/Adobe Commerce, WooCommerce, custom, ERP-backed, etc.), but these are strong approaches:

Option 1 — B2B ecommerce platform with native trade credit controls (best for growing wholesalers)

Use a B2B commerce platform that handles:

• Trade account applications
• Company accounts with multiple buyers/users
• Customer-specific pricing
• Payment terms (Net 15/30/60/90)
• Credit limits
• Order approval workflows
• Invoice generation
• Account statements

Examples:

• Shopify B2B plus a credit-management app layer can work well for merchants already on Shopify. Tools such as Net Terms by LIETL Solutions add credit scoring, credit-limit enforcement, automated invoices, reminders, and AR reporting. netterms.app
• Venditan supports trade account management, customer-specific credit limits, payment terms, and outstanding balance tracking. venditan.com

Best fit: wholesalers, distributors, manufacturers doing hundreds to thousands of trade orders/month.

Option 2 — Add a dedicated credit-control layer (best if finance processes are the priority)

If you already have ecommerce + accounting systems, add specialist credit-management software.

Look for:

• Automated credit applications
• Credit scoring/risk checks
• Suggested credit limits
• Credit holds when accounts exceed limits
• Automated payment chasing
• Aged debtor dashboards
• Customer risk alerts

Examples:

• Satago provides automated invoice reminders, customised chasing schedules, credit risk insights, and integrations with accounting systems. Satago
• Esker focuses on automated credit assessment, approvals, credit limits, and ERP-connected credit workflows. Esker

Best fit: businesses where overdue invoices and cash-flow control are the biggest pain points.

Option 3 — Build a trade-account workflow around your ERP (best for enterprise)

For larger operations, keep the ERP as the source of truth:

Typical architecture

B2B ecommerce portal
        |
        ↓
Customer account + ordering
        |
        ↓
ERP / finance system
        |
        ↓
Credit rules + invoice ledger
        |
        ↓
Automated reminders + collections

The ecommerce layer should read:

• Available credit
• Outstanding invoices
• Payment status
• Customer pricing
• Account approval status

The ERP should control:

• Credit limits
• Credit holds
• Payment terms
• Accounting records

Recommended feature checklist

Whatever solution you choose, I would require:

Trade account management

✅ Company accounts (not just individual customers)
✅ Multiple buyers per account
✅ Buyer permissions
✅ Customer-specific price lists
✅ PO number capture
✅ Approval workflows

Credit management

✅ Credit limit per company/location
✅ Real-time available credit calculation:

Available Credit =
Credit Limit - Outstanding Invoices - Pending Orders

✅ Automatic order blocking or approval escalation
✅ Credit review reminders

Invoice automation

✅ Invoice created automatically after shipment/order confirmation
✅ Email delivery
✅ Customer portal access
✅ Statements of account
✅ Payment links

Collections automation

Example workflow:

My practical recommendation by business size

If you tell me your ecommerce platform (Shopify, Magento, WooCommerce, custom, etc.), number of trade accounts, and whether you use Xero/Sage/QuickBooks/ERP, I can narrow this down to a specific stack.

For a B2B ecommerce business, I’d recommend treating trade accounts, credit limits, and collections as an order-to-cash system, not just an invoicing feature. The right solution depends mainly on your ecommerce platform, ERP, and the amount of credit exposure you carry.

Recommended approach: a B2B credit management layer + accounting/ERP sync

A strong setup should include:

1. Trade account onboarding

• Business application form
• Tax/business verification
• Credit references (optional)
• Approval workflow
• Assigned payment terms (Net 15/30/60/90)
• Credit limit management

• Customer-specific limits
• Real-time available credit calculation: - Approved limit
• Open orders
• Unpaid invoices
• Overdue balances
• Automatic checkout blocking or approval escalation when limits are exceeded
• Automated invoicing

• Generate invoices from orders
• Sync invoices and payments with accounting software
• Customer portal for statements and balances
• Automated collections

Example workflow:

• 7 days before due date → friendly reminder
• Due date → payment reminder
• 7 days overdue → escalation
• 30+ days overdue → sales/credit team task
• 60+ days overdue → credit freeze
• Credit risk monitoring

• Payment history scoring
• Credit utilization alerts
• Limit increase recommendations
• Bad debt reporting

Solution options by business size

Small to mid-size B2B ecommerce (best value)

Consider a B2B commerce platform plus an AR automation add-on.

Examples:

• Shopify B2B features can handle company accounts, payment terms, and wholesale workflows, but many merchants add a dedicated credit/AR layer for deeper credit controls. Shopify
• Net Terms by LIETL Solutions adds credit applications, credit limits, invoice reminders, aging reports, and accounting integrations for Shopify-based merchants. Net Terms
• SparkLayer provides wholesale portals, account management, payment terms, and accounting sync workflows. SparkLayer B2B eCommerce

Typical stack:

• Ecommerce: Shopify / WooCommerce / BigCommerce
• Accounting: QuickBooks / Xero / NetSuite
• Credit layer: trade credit app
• Payments: ACH/card/bank transfer

Growing distributors and manufacturers

Look for dedicated credit management software.

Good fits:

• Credit Pulse — focuses on credit applications, credit policy automation, risk scoring, and ERP synchronization. Credit Pulse
• Kolleno — combines AR automation, collections workflows, payment portals, and credit/risk tools. Kolleno

This is better when you have:

• Hundreds/thousands of trade accounts
• Dedicated finance teams
• Significant outstanding receivables

Enterprise B2B sales volume

For large-scale operations, consider outsourced trade credit infrastructure.

• Capital One Trade Credit provides credit assessment, invoicing, payment processing, collections, and AR servicing for enterprise B2B programs. Capital One

My recommended architecture

For most B2B ecommerce companies, I would build:

Customer
   ↓
B2B ecommerce portal
   ↓
Credit rules engine
   ↓
ERP/accounting system
   ↓
Invoice + payment automation
   ↓
Collections workflow

With these rules:

Features I would prioritize when selecting software

Must-have:

• ✅ Customer-level credit limits
• ✅ Real-time credit exposure
• ✅ Net terms support
• ✅ Invoice automation
• ✅ Payment reminders
• ✅ Accounting integration
• ✅ Customer statement portal
• ✅ Audit trail

Nice-to-have:

• AI payment risk scoring
• Trade reference checks
• Sales rep visibility
• Self-service credit requests
• Automated limit reviews

If you tell me your ecommerce platform (Shopify, WooCommerce, Magento, custom), accounting system, number of trade customers, and monthly B2B sales volume, I can narrow this down to a specific stack.

Nice-to-have:

• AI payment risk scoring
• Trade reference checks
• Sales rep visibility
• Self-service credit requests
• Automated limit reviews

If you tell me your ecommerce platform (Shopify, WooCommerce, Magento, custom), accounting system, number of trade customers, and monthly B2B sales volume, I can narrow this down to a specific stack.

For a B2B ecommerce business, I’d recommend Odoo as the core trade-account/AR system, with your ecommerce storefront integrated into it.

odoo.com

Why Odoo is a strong fit

It covers the three pieces you need in one system:

• Trade accounts: Maintain a company/customer account with multiple contacts, payment terms, tax details, and an accounts-receivable ledger.
• Credit limits: Use customer credit limits and prevent orders from being confirmed when exposure exceeds the approved limit. Odoo's ecosystem also has modules specifically extending credit-limit controls into B2B ecommerce checkout. Odoo Apps
• Net terms & invoicing: Assign payment terms such as Net 30/60/90 and generate invoices from orders. Odoo
• Automated collections: Odoo's follow-up engine can automatically send reminders based on how many days an invoice is overdue, attach overdue invoices, and escalate through different reminder levels. Odoo GitHub
• AR visibility: The system provides customer statements, aged receivables, and follow-up reporting, which gives your finance team a view of outstanding exposure. Odoo

The workflow I'd implement

1. Customer applies for a trade account

Capture:

• Legal company information
• Billing/shipping addresses
• Tax/VAT ID
• Credit references
• Requested credit limit
• Requested terms
• Authorized buyers

2. Credit approval

Set something like:

Approved limit: $25,000
Terms: Net 30
Overdue threshold: $2,500
Status: Active

I'd also distinguish credit limit from available credit. Available credit should consider unpaid invoices and outstanding/unfulfilled orders so customers can't place several simultaneous orders that collectively exceed their limit.

3. B2B checkout

The buyer sees:

Pay on Account — Net 30
Available credit: $8,450

If the order would exceed the customer's exposure, either block the order or route it for manual approval.

4. Invoice + collections automation

I'd configure a sequence such as:

• 5 days before due → friendly reminder
• Due date → payment notification
• 7 days overdue → reminder + invoice
• 15 days overdue → stronger reminder
• 30 days overdue → account placed on credit hold / sales notified
• 45+ days → manual collections

Odoo explicitly supports automatic follow-up levels, different overdue-day triggers, invoice attachments, and automated activities for responsible staff. Odoo

One alternative worth considering

If you're already on Shopify, there's now a very targeted option: B2B Credit & Receivables in the Shopify App Store. It provides company-level credit limits, AR aging, and escalating automated payment reminders, starting at $29/month. Shopify App Store

apps.shopify.com

So my decision rule would be:

Stripe is excellent for invoicing and automated reminders, including reminders before/on/after the due date, but its native "customer credit balance" is primarily an accounting balance/ledger rather than a full trade-credit approval system. Stripe Docs Stripe Docs

My pick: If you're designing the operation from scratch, Odoo + your existing ecommerce storefront gives you the most complete foundation. If you're already on Shopify and don't want to introduce an ERP, the dedicated Shopify app is probably the fastest/lowest-complexity solution.

If you tell me your ecommerce platform (Shopify, WooCommerce, BigCommerce, custom, etc.), approximate number of B2B customers, and whether you already use QuickBooks/Xero/NetSuite/Odoo, I can narrow this down to a specific architecture and 2–3 best options.

If you’re running B2B ecommerce with trade accounts/net terms, I’d recommend a commerce-native AR/credit layer rather than building this from scratch.

My top recommendation: Shopify B2B + TermFlo

If your store is on Shopify, Shopify now has native B2B company accounts, payment terms, invoices, and payment reminders across its paid plans. Shopify Shopify Help Center

Add termflo.com for the pieces Shopify doesn't handle as comprehensively:

• Trade-account application and approval — capture business/tax information and approve buyers into Shopify company accounts.
• Customer-specific credit limits — e.g. Customer A gets $25k Net 30 while Customer B gets $100k Net 60.
• Real-time credit enforcement — prevent checkout when an order would exceed available credit.
• AR aging — see current, 1–30, 31–60, and 60+ day balances.
• Automated dunning — configurable reminders before and after the invoice due date.
• Statements — give customers a consolidated view of what they owe.

TermFlo specifically says its credit limit is enforced at checkout, rather than discovering the overage after the order is placed. TermFlo

Suggested architecture

                 B2B CUSTOMER
                       │
              Trade account application
                       │
                       ▼
              ┌─────────────────┐
              │ Shopify B2B     │
              │ Company Account │
              └────────┬────────┘
                       │
             Terms + Credit Limit
                       │
                       ▼
              ┌─────────────────┐
              │    TermFlo      │
              │ Credit + AR     │
              └────────┬────────┘
                       │
             ┌─────────┴─────────┐
             ▼                   ▼
       Checkout control     Invoice/AR
       "credit available"   aging + dunning
                                  │
                                  ▼
                          Automated reminders

The important design principle is that credit exposure should be calculated from outstanding invoices/orders, not simply from the customer's original approved limit.

For example:

$50,000 credit limit
− $18,000 outstanding invoices
− $7,000 unfulfilled net-terms orders
= $25,000 available credit

That prevents a customer from placing several simultaneous orders that collectively exceed their exposure.

If you aren't on Shopify

I'd use a different architecture:

• ERP/accounting system as the financial source of truth — NetSuite, Dynamics 365, or your existing ERP.
• B2B commerce platform — handles catalogs, pricing, users, orders and checkout.
• AR/credit automation — handles credit scoring, limit approvals, collections and dunning.

For a NetSuite environment, HighRadius is worth evaluating. Its NetSuite integration synchronizes customer records, AR balances, invoices and credit limits and supports automated credit decisions and AR automation. HighRadius HighRadius

Other Shopify options

If you want something lighter than TermFlo, there are now several focused apps:

• apps.shopify.com — credit limits, AR aging and automated payment reminders; currently listed from $29/month. Shopify App Store
• apps.shopify.com — particularly focused on blocking checkout when customers exceed their credit limits. Shopify App Store
• dunly.app — AR ledger, credit limits, statements and automated reminders. Dunly

What I'd choose

For most growing B2B ecommerce businesses, I'd start with Shopify B2B + TermFlo. It gives you a fairly complete application → approval → credit limit → checkout enforcement → invoice → collections workflow without creating a separate customer/AR system. TermFlo

If you tell me your ecommerce platform (Shopify, WooCommerce, Magento/Adobe Commerce, custom, etc.), approximate number of trade accounts, and whether you use Net 30/60/90, I can narrow this down to the best 2–3 options and compare pricing/integration effort.

For a B2B ecommerce business, I’d recommend using your ecommerce platform for the customer/account layer and adding a dedicated trade-credit/AR layer, rather than trying to manage credit limits in spreadsheets or purely through your accounting system.

My top recommendation: Shopify B2B + dedicated credit/AR app

If you’re on—or willing to move to—Shopify, this is probably the cleanest setup.

Shopify B2B already provides:

• Company/trade accounts with multiple buyers and locations
• Customer-specific catalogs and pricing
• Net 7/15/30/45/60/90 payment terms
• Purchase orders and invoicing
• Payment reminders through Shopify Flow
• Customer self-service for orders and invoices Shopify Help Center Shopify Help Center

shopify.com

Then add a credit-management application such as TermFlo or Net Terms if you need stronger credit-limit enforcement and collections automation.

How I'd structure it

1. Trade-account onboarding

Customer submits a wholesale application → your team approves it → system creates the company account.

Capture:

• Legal business name
• Tax/VAT/resale information
• Billing and shipping locations
• AP contacts
• Requested credit limit
• Requested payment terms
• Credit references / external credit score

2. Credit approval

Give every account a defined:

Credit limit: $25,000
Terms: Net 30
Available credit: $18,400
Outstanding: $6,600

Critically, the system should calculate available credit in real time and prevent a new order from exceeding the approved limit.

TermFlo, for example, specifically supports checkout-level credit-limit enforcement and automatically updates available credit as orders and invoices change. TermFlo

3. Automated invoicing

When an order ships—or reaches whatever billing event you define:

Order → Invoice → Due date → Reminder sequence → Payment → Credit released

The invoice should automatically inherit the customer's terms and calculate its due date.

4. Automated collections

I'd use a cadence something like:

• 7 days before due: friendly reminder
• 2 days before: upcoming-payment reminder
• Due date: payment due
• 3 days overdue: first overdue notice
• 7 days overdue: stronger notice
• 15 days overdue: account flagged
• 30+ days overdue: automatically suspend additional credit / route to AR

The important part is that reminders should be driven by invoice status and aging, not manually triggered by your sales team.

Which solution I'd choose

BigCommerce is also worth considering if you're selecting the commerce platform from scratch; it has native company-account credit management and per-account payment methods/terms. BigCommerce

For a more sophisticated setup, Resolve provides trade-credit decisioning, AR automation and integrations with platforms including Shopify, BigCommerce, Magento and WooCommerce. ResolvePay

The architecture I'd aim for

                 B2B STOREFRONT
                       │
                       ▼
              Trade Account / Company
                       │
          ┌────────────┼────────────┐
          ▼            ▼            ▼
     Pricing       Credit Limit   Payment Terms
          │            │            │
          └────────────┼────────────┘
                       ▼
                    ORDER
                       │
             Credit availability check
                       │
                 ┌─────┴─────┐
                 │           │
              Within       Over limit
               limit           │
                 │             ▼
                 ▼        Block / review
               INVOICE
                 │
                 ▼
          Automated reminders
                 │
                 ▼
              PAYMENT
                 │
                 ▼
        Credit becomes available

The key requirement I'd insist on: don't just automate invoice emails. Enforce the credit limit at checkout. Otherwise you automate collections while continuing to increase your exposure to customers who already owe you money.

If you tell me your ecommerce platform (Shopify, BigCommerce, WooCommerce, custom, etc.), approximate number of B2B accounts, and whether you need actual credit scoring/credit checks, I can narrow this to 2–3 specific solutions and recommend the best architecture.

For a B2B ecommerce business that sells on trade terms (Net 15/30/60/90), I’d recommend implementing a trade credit + accounts receivable automation layer rather than trying to manage this inside spreadsheets or a basic ecommerce platform.

The right solution depends on your stack (Shopify, WooCommerce, Magento, custom), order volume, and whether you want to extend your own credit or have a third party take the payment risk.

Recommended architecture

1. Trade account management

Create a customer account system with:

• Company-level accounts (not just individual buyers)
• Multiple users per account (buyer, finance contact, approver)
• Assigned account owner/sales rep
• Customer tiering: - New applicant
• Approved credit customer
• COD/prepay only
• Suspended
• Preferred account

Key data to store:

• Legal company name
• Tax/VAT ID
• Billing contacts
• Credit application documents
• Payment history
• Approved payment terms
• Credit limit

2. Credit limit management

Use a real-time credit ledger:

Available credit = Approved limit – (open invoices + pending orders)

Example:

Automations:

• Warn sales team at 75–90% utilization
• Require approval over limit
• Block checkout when exceeded
• Suspend terms after overdue invoices

Solutions such as Shopify extensions can add credit-limit tracking and AR workflows for wholesale stores. For example, some Shopify B2B apps provide account-level limits, aging reports, and automated reminders. Shopify App Store Dunly

3. Automated invoicing workflow

A good workflow:

1. Buyer places order
2. System checks: - Credit status
3. Available limit
4. Payment terms
5. Order approved
6. Invoice generated automatically
7. Due date calculated
8. Invoice sent to AP contact
9. Reminder sequence begins

Example:

• Day -7: "Your invoice is due next week"
• Day 0: "Invoice due today"
• Day +7: "Payment reminder"
• Day +15: "Account review required"
• Day +30: Credit suspended pending payment

4. Accounts receivable dashboard

Your finance team should see:

• Total outstanding AR
• Aging buckets: - Current
• 1–30 days overdue
• 31–60
• 61–90
• 90+
• Credit utilization
• Customers approaching limits
• Predicted cash collections

Software options by business size

Small / mid-market Shopify B2B

Good fit if you need quick deployment:

• Net Terms Tracker — focuses on credit limits, invoice automation, reminders, and buyer portals. Net Terms Tracker
• Dunly — provides AR aging, customer balances, reminders, and credit limit alerts. Dunly
• Net Terms — includes credit applications, invoice workflows, reminders, and AR reporting. Net Terms

WooCommerce

Look at B2B extensions that combine:

• Customer groups
• Wholesale pricing
• Credit limits
• Payment terms
• Automated reminders

For example, QuarkCode positions its B2B suite around payment terms, credit tracking, and automated reminders. WooCommerce

Larger enterprise B2B

Consider combining:

• Ecommerce platform
• ERP
• AR automation
• Credit decisioning provider

Examples:

• NetSuite + ecommerce connector
• SAP commerce/finance stack
• Third-party trade credit providers

For very large B2B volumes, trade credit providers can handle credit assessment, invoicing, collections, and payment risk. Capital One

My recommended setup for most B2B ecommerce companies

A practical stack:

Ecommerce
→ Shopify Plus / WooCommerce / Adobe Commerce

Trade credit layer
→ Credit applications + limits + approval workflow

Accounting
→ QuickBooks Online / Xero / NetSuite

Automation
→ Invoice generation
→ Reminder sequences
→ Customer statements
→ Payment reconciliation

Rules

• New customers: prepaid until approved
• Established customers: Net 30 with limits
• Strategic accounts: higher limits with manual review
• Overdue accounts: automatic credit hold

If you tell me your platform (Shopify, WooCommerce, Magento, custom), annual B2B revenue, and whether you offer Net 30/60 today, I can recommend a more specific stack.

Trade credit layer
→ Credit applications + limits + approval workflow

Accounting
→ QuickBooks Online / Xero / NetSuite

For a B2B ecommerce business, I’d recommend a two-layer setup: Shopify B2B for commerce + a dedicated credit/AR layer for credit-limit enforcement and collections.

Recommended stack

1. Shopify B2B — storefront and trade-account management

Shopify’s B2B functionality now covers the core trade-account workflow on all paid plans: company profiles, multiple buyers/locations, customer-specific pricing, and payment terms such as Net 7–90. Shopify Help Center Shopify

Use it for:

• Trade/customer accounts and buyer permissions
• Customer-specific catalogs and pricing
• Net 30/60/90 terms
• B2B checkout and order history
• Invoicing/payment collection
• Shopify Flow for basic payment reminders

2. Add a credit/AR app for the missing piece

The key gap is true credit management. Shopify's native payment terms don't by themselves give you a robust "customer has a $50k limit and currently has $47k outstanding" control system or automatically block orders when the limit is exceeded. Shopify Help Center Celeste

A particularly direct fit is Quay. Its current offering is specifically designed around credit limits and enforcement: it can monitor exposure and optionally prevent checkout when a customer is over-limit, overdue, or on credit hold. Quay

Another option is B2B Credit & Receivables, a Shopify app that combines per-company credit limits, AR aging, and escalating automated payment reminders. It currently starts at $29/month, although it is very new and has no reviews yet, so I'd pilot it before making it your financial-system-of-record. Shopify App Store

The workflow I'd implement

New B2B customer
       ↓
Credit application / approval
       ↓
Trade account created
       ↓
Credit limit + payment terms assigned
       ↓
Customer places order
       ↓
Check:
  outstanding AR
+ new order
≤ credit limit?
       ↓
   YES → release order
    NO → card/prepayment or credit hold
       ↓
Invoice issued
       ↓
Automated reminders
  7 days before due
  Due date
  7 days overdue
  15/30+ days overdue
       ↓
Escalate → sales/collections
       ↓
Payment → AR balance updated
       ↓
Credit becomes available again

Credit policy I'd use

For each trade account, maintain:

I'd make credit exposure, rather than simply order value, the important control:

Available credit = Credit limit − unpaid outstanding invoices − approved pending orders

That prevents a customer from placing several simultaneous orders that individually look acceptable but collectively exceed their approved exposure.

If you're already on Shopify

My shortlist would be:

• Small/mid-sized wholesale operation: Shopify B2B + B2B Credit & Receivables. Lowest complexity and inexpensive starting point. Shopify App Store
• Growing operation where credit-limit enforcement matters: Shopify B2B + Quay. This is the option I'd favor if preventing over-credit orders is a critical requirement. Quay
• Enterprise/high-volume AR: Shopify B2B + your ERP/AR system, with credit authorization and collections centralized there. Enterprise AR providers can handle credit assessment, invoicing, payment processing, collections and cash application as an integrated process. Capital One

One important distinction: don't treat invoice reminders as the same thing as credit management. Reminders improve collections; credit limits prevent you from creating additional exposure in the first place.

If you tell me what ecommerce platform you're using (Shopify, BigCommerce, WooCommerce, custom, etc.), approximate number of B2B accounts, and whether you already have an ERP/accounting system (NetSuite, QuickBooks, Xero, SAP, etc.), I can recommend a specific architecture and 2–3 products with estimated costs.

New B2B customer
       ↓
Credit application / approval
       ↓
Trade account created
       ↓
Credit limit + payment terms assigned
       ↓
Customer places order
       ↓
Check:
  outstanding AR
+ new order
≤ credit limit?
       ↓
   YES → release order
    NO → card/prepayment or credit hold
       ↓
Invoice issued
       ↓
Automated reminders
  7 days before due
  Due date
  7 days overdue
  15/30+ days overdue
       ↓
Escalate → sales/collections
       ↓
Payment → AR balance updated
       ↓
Credit becomes available again

Credit policy I'd use

For each trade account, maintain:

I'd make credit exposure, rather than simply order value, the important control:

Available credit = Credit limit − unpaid outstanding invoices − approved pending orders

That prevents a customer from placing several simultaneous orders that individually look acceptable but collectively exceed their approved exposure.

If you're already on Shopify

My shortlist would be:

For most B2B ecommerce businesses, I’d recommend a native B2B commerce platform + a dedicated credit/AR layer, rather than trying to make the ecommerce platform itself act like an accounting system.

Recommended architecture

If you're on Shopify, a strong setup is:

Shopify B2B + credit-limit/invoice app + accounting/ERP

Shopify's native B2B functionality now covers company accounts, buyer permissions, customer-specific catalogs/pricing, Net 7–90 terms, invoices, and payment reminders via Shopify Flow. Shopify Help Center Shopify Help Center

The remaining piece I'd specifically add is credit-limit enforcement and AR automation.

One option worth evaluating is apps.shopify.com. It is designed around Net 15/30/60 accounts, customer credit limits, outstanding balances, invoice generation, and a buyer-facing payment portal. It can also hide net terms when an account is overdue or over its limit. Shopify App Store Shopify App Store

How I'd structure the workflow

1. Trade-account application

• Company legal name
• Tax/resale information
• Billing and shipping locations
• AP contact
• Requested payment terms
• Requested credit limit
• PO requirement
• Credit approval

• Assign each account a credit limit, e.g. $10k / $25k / $100k.
• Assign Net 15, Net 30, Net 60, etc.
• Optionally require deposits for higher-risk customers.
• Keep the accounting/ERP system as the financial source of truth.
• Checkout enforcement

Calculate:

Available credit = Credit limit − outstanding invoices − open orders

If available credit is insufficient, automatically:

• block Net Terms, or
• require a card/deposit, or
• route the order for sales approval.

This is the key capability I would not leave to spreadsheets.

4. Invoice automation

On fulfillment/order completion:

• generate invoice
• assign due date
• email invoice to AP contact
• expose invoice in the customer's portal
• sync invoice/payment status to the ERP
• Automated collections

A sensible reminder sequence is:

• 7 days before due: friendly reminder
• Due date: invoice due notification
• 3 days overdue: payment reminder
• 7 days overdue: stronger reminder + sales notification
• 15–30 days overdue: suspend additional Net Terms
• 30+ days: escalate to AR/sales
• Credit controls

Don't just track "credit limit." Track:

• approved limit
• current outstanding AR
• open orders
• available credit
• overdue amount
• aging bucket
• payment history
• last credit review

Why I wouldn't build this entirely in Shopify

Shopify is quite good at commerce-side B2B—companies, catalogs, terms, ordering and checkout—but credit management is a different problem. Its native payment terms can mark orders overdue and support payment reminders through Flow, but a serious B2B operation benefits from an explicit credit-control layer. Shopify Help Center Shopify Help Center

For example, I'd want the system to be able to say:

Acme Industries
Credit limit: $50,000
Outstanding: $31,500
Open orders: $8,000
Available credit: $10,500
Overdue: $4,200
Terms: Net 30
Status: Restricted

That's much more useful to sales and finance than simply having "Net 30" attached to the customer.

My recommendation by business size

If you tell me what ecommerce platform you're using (Shopify, WooCommerce, BigCommerce, Magento/Adobe Commerce, custom, etc.), your approximate number of trade accounts, and whether you already use an ERP/accounting system, I can recommend a specific stack and workflow—including the best options for credit limits and automated reminders.

For most B2B ecommerce businesses, I’d recommend combining a B2B ecommerce platform with a trade-credit/AR automation layer rather than trying to manage credit limits and collections inside the storefront alone.

A good solution should handle:

• Trade account onboarding and approval
• Customer-specific pricing/catalogues
• Credit limits and available credit
• Net 15/30/60 payment terms
• Invoice creation and statements
• Automated payment reminders
• AR ageing and overdue risk visibility
• Accounting sync (Xero, QuickBooks, Sage, ERP, etc.)

Recommended setups by business size

1. Shopify B2B + credit management app (best for many growing wholesalers)

If you use Shopify, add a dedicated trade credit app.

Good options:

• Shopify B2B features + a credit/receivables extension — Shopify handles company accounts, pricing, and B2B ordering, while add-ons can add credit controls and collections workflows. Shopify App Store
• Dunly — focused on receivables tracking, customer balances, credit limits, statements, and automated reminders. Dunly
• Net Terms Tracker — adds customer credit limits, invoice portals, branded invoices, and payment reminders. Shopify App Store

Typical workflow:

1. Customer applies for a trade account.
2. You approve them for Net 30 with a £10,000 limit.
3. Orders consume available credit.
4. System blocks or flags orders over the limit.
5. Invoices are issued automatically.
6. Reminders go out: - 7 days before due date
7. On due date
8. 7/14/30 days overdue
9. Finance team monitors ageing.

This is usually the best balance of cost and automation.

2. ERP-backed solution (best for established wholesalers)

If you have complex operations (hundreds/thousands of accounts, warehouses, purchasing, multiple currencies), use an ERP as the source of truth.

Examples:

• Microsoft Dynamics 365 Business Central
• Sage Intacct
• NetSuite

Use the ecommerce site mainly as the ordering channel; let the ERP control:

• customer credit status
• payment terms
• outstanding balances
• invoice lifecycle
• collections workflow

3. Trade-counter / distributor software (best for UK wholesalers)

If you operate like a traditional trade supplier (counter sales + ecommerce), look at trade management platforms.

For example, ETABS provides trade accounts, customer-specific pricing, credit limits, invoice generation, and accounting integrations. ETABS

Features I would consider essential

Credit management

Your system should support:

Automated invoice reminders

A strong workflow:

• Before due date: friendly reminder with invoice copy
• Due date: payment reminder
• 7 days overdue: stronger reminder + account warning
• 30+ days overdue: sales/account manager notification
• 60+ days overdue: suspend further credit

Finance visibility

Dashboards should show:

• Total outstanding receivables
• Overdue invoices
• Credit utilisation by customer
• Customers approaching limits
• Average days to pay
• Bad debt risk

My suggested architecture for a typical B2B ecommerce company

Small–medium wholesaler (£100k–£5m turnover):

Shopify B2B → credit management app → Xero/QuickBooks

Growing distributor (£5m–£50m):

Shopify/Magento → ERP → accounting + collections automation

Large enterprise:

ERP-led commerce with integrated credit risk and AR automation

If you tell me your platform (Shopify, WooCommerce, Magento, BigCommerce, custom), number of trade accounts, and whether you offer Net 30/60 terms, I can narrow this to a specific stack.

For a B2B ecommerce business, I’d recommend not building trade-account/AR functionality from scratch. Use your ecommerce platform for orders and customer accounts, then layer a purpose-built B2B credit + accounts receivable system on top.

My shortlist

If you're on Shopify: I'd start with Dunly

dunly.app offers a particularly clean fit for the workflow you described: customer-level credit limits, AR aging, automatic reminders before/after due dates, account statements, and payment synchronization with Shopify. Its Growth plan is currently listed at $39/month. Dunly

The resulting workflow would be:

1. Trade-account application
Customer applies → you approve the business → assign payment terms (e.g. Net 30) and a credit limit.

2. Credit enforcement
At checkout/order creation, calculate:

Available credit = Credit limit − Outstanding invoices − Pending orders

If the new order exceeds available credit, hold it for approval rather than allowing an unrestricted purchase.

3. Automatic invoicing
Order is created → invoice generated with the agreed payment terms and due date.

4. Automated collections
For example:

• 7 days before due: friendly reminder
• Due date: payment notification
• 3 days overdue: reminder + statement
• 15 days overdue: escalation
• 30+ days overdue: put account on credit hold

5. AR dashboard
Finance sees outstanding balance, available credit, aging, overdue invoices, and payment history by customer.

If credit risk is more important than just AR automation

I'd look at Resolve or Balance. Resolve combines credit underwriting, net-terms invoicing, collections and reconciliation, while Balance positions itself around providing net terms without the merchant taking the underlying credit risk. ResolvePay Balance

That's a substantially different proposition from a Shopify AR app: you're effectively considering B2B financing infrastructure, rather than merely automating your accounts-receivable department.

One newer option worth watching

B2B Credit & Receivables on the Shopify App Store is almost exactly your requested feature set: company-level credit limits, AR aging, and escalating automated payment reminders. It's currently listed at $29/month for Pro and $79/month for Business. However, it launched only in August 2026 and currently has no reviews, so I'd pilot it rather than make it your core financial system immediately. Shopify App Store

What I'd choose

• Small/midsize Shopify wholesaler: Dunly
• Shopify + serious wholesale/ordering requirements: Upro or TradeLiq
• Growing B2B business where credit underwriting is becoming important: Resolve
• Want to offer generous terms without taking much credit risk: Balance
• Enterprise-scale B2B: consider a dedicated AR/credit platform rather than a Shopify app.

The key integration requirement I'd insist on is two-way synchronization with your accounting/ERP system. You don't want Shopify saying a customer owes $20k while QuickBooks/NetSuite says $14k. Your ecommerce system should be the ordering interface, while the AR/accounting layer remains the financial source of truth.

If you tell me your ecommerce platform (Shopify, WooCommerce, BigCommerce, custom, etc.), approximate number of B2B customers, average invoice size, and whether you offer Net 30/60/90, I can narrow this to the best 2–3 solutions and compare pricing/integrations.

B2B Credit & Receivables on the Shopify App Store is almost exactly your requested feature set: company-level credit limits, AR aging, and escalating automated payment reminders. It's currently listed at $29/month for Pro and $79/month for Business. However, it launched only in August 2026 and currently has no reviews, so I'd pilot it rather than make it your core financial system immediately.

What I'd choose

If the new order exceeds available credit, hold it for approval rather than allowing an unrestricted purchase.

3. Automatic invoicing
Order is created → invoice generated with the agreed payment terms and due date.

For a B2B ecommerce business, I’d recommend Shopify + a dedicated trade-credit/AR app, rather than trying to manage credit limits and collections in Shopify alone.

My pick: Shopify + Net Terms Tracker

apps.shopify.com

It is unusually close to your requirements in one package:

• Trade accounts: approve customers for Net 15/30/60 terms.
• Per-account credit limits: limits are enforced at checkout rather than merely recorded.
• Over-limit/overdue controls: net terms can be hidden when a customer is overdue or exceeds their limit.
• Invoicing: generates branded PDF invoices.
• Automated reminders: sends payment reminders automatically.
• Customer finance portal: buyers can see invoices and pay themselves.
• Admin reporting: AR and CSV reporting are included on the paid plan. Shopify App Store Shopify App Store

The current listed Pro price is $29/month, with a free tier limited to five net-terms customers. The important caveat is that the app launched in 2026 and currently has no Shopify reviews, so I'd pilot it with a handful of accounts before making it your system of record. Shopify App Store

How I'd architect it

Shopify B2B
    │
    ├── Customer / company accounts
    ├── Catalog & negotiated pricing
    ├── Checkout
    │      │
    │      └── Credit-limit check
    │              ├── Within limit → approve Net 30
    │              └── Over limit → hold / manual approval
    │
    └── Order
           ↓
      Invoice / AR ledger
           ↓
      Reminder automation
           ├── 7 days before due
           ├── Due date
           ├── 7 days overdue
           └── Escalation to sales/AR

The key design principle is not treating “Pay by invoice” as merely another payment method. Your system should calculate exposure from outstanding invoices plus relevant open orders/reservations and compare that against the customer's approved limit. That's what prevents a buyer from placing multiple orders that collectively exceed their credit. GMI Software

Two alternatives I'd consider

Dunly is particularly interesting if your biggest problem is accounts receivable rather than checkout credit underwriting. It provides automatic pre/post-due reminders, account statements, per-customer credit limits and alerts, and synchronizes payments back to Shopify. Dunly

dunly.app

If B2B is your core business and you have complex credit/ERP requirements, I'd move beyond a Shopify app and consider a B2B-native commerce platform or an integrated ERP/AR solution. Enterprise trade-credit systems can handle credit assessment, terms decisioning, invoicing, payment processing, collections and cash application as one workflow. Capital One

My recommendation by situation

If you tell me what ecommerce platform you're using (Shopify, BigCommerce, WooCommerce, Magento, custom, etc.), approximate number of trade accounts, and whether you already use an ERP/accounting system, I can narrow this to a specific architecture and 2–3 best-fit vendors.

For a B2B ecommerce business, I’d recommend using your ecommerce platform for customer/account management and checkout, but adding a dedicated credit/AR layer for credit-limit enforcement and collections.

My recommended setup: Shopify + B2B Credit & Receivables

If you’re already on Shopify, this is probably the cleanest solution:

• shopify.com — manages company accounts, multiple buyers/locations, negotiated pricing, PO/Net terms, and the B2B checkout. Shopify supports Net 7 through Net 90 payment terms. Shopify Help Center Shopify
• apps.shopify.com — adds the piece Shopify's native B2B functionality doesn't handle particularly well: credit limits, outstanding exposure, AR aging, and automated escalating payment reminders. It can roll multiple buyers into one company credit limit and tracks aging in buckets such as current, 1–30, 31–60 and 60+ days. Shopify App Store
• Shopify Flow — handles workflow automation around invoices and payment reminders. Shopify specifically supports payment reminders for orders on payment terms through Flow. Shopify Help Center

How I'd structure the workflow

1. Trade-account application

Customer applies for a trade account → you collect:

• Legal business name
• Billing/shipping addresses
• Tax/VAT ID
• AP contact
• Expected monthly spend
• Requested payment terms
• Trade references, if appropriate

Then approve the company and assign a credit policy.

2. Credit policy

For each company:

The important distinction is credit exposure, not simply the maximum size of an individual order. That's a weakness in some native B2B implementations. For example, BigCommerce's own documentation notes that its native company credit amount limits the value of a single PO order rather than dynamically tracking outstanding invoices and available credit. BigCommerce

3. At checkout

The system calculates something like:

Credit available = Credit limit − outstanding invoices − unbilled/open orders

If the new order would exceed the limit:

• Block Net Terms checkout, or
• Require sales/finance approval, or
• Require a deposit/card payment.

That's much safer than letting customers continually accumulate invoices.

4. Automated collections

I'd use a graduated sequence rather than sending the same reminder repeatedly:

• 3 days before: friendly upcoming-payment reminder
• Due date: invoice due notification
• 7 days overdue: payment reminder + Pay Now link
• 15 days overdue: stronger reminder + account status
• 30+ days overdue: sales/AR escalation and credit hold

The Shopify app I found specifically supports escalating reminders and automatic execution, so this is achievable without building the entire system yourself. Shopify App Store

One alternative worth considering

If credit-limit enforcement is the most important requirement, look at Net Terms Tracker as another Shopify option. It advertises Net 15/30/60 terms, customer credit limits, checkout enforcement, invoices, and a buyer finance portal. Shopify App Store

I would compare it directly against B2B Credit & Receivables before choosing—particularly around accounting/ERP integration, payment reconciliation, reporting, and how it calculates exposure.

If you're not on Shopify

I'd use the same architecture rather than choosing software solely around "invoice reminders":

B2B ecommerce platform → trade-account/customer master → credit/AR system → accounting/ERP → automated collections

For example, BigCommerce B2B has company accounts, payment terms and basic credit controls, but its documentation explicitly recommends syncing an ERP/accounting system when you need actual credit monitoring. BigCommerce BigCommerce

Bottom line: for a small-to-mid-sized B2B ecommerce operation, I'd start with Shopify B2B + a credit/receivables app + Shopify Flow, rather than buying a full AR platform immediately. It gives you trade accounts, Net terms, credit controls and automated collections without creating a large implementation project.

For most B2B ecommerce businesses, I’d recommend keeping the commerce platform as the system of record for customers/orders, but adding a dedicated trade-credit + AR automation layer rather than trying to manage credit in spreadsheets or relying solely on basic “Net 30” checkout functionality.

My recommendation

If you’re on Shopify: start with netterms.app. It is specifically designed around the workflow you described: B2B account applications, customer-specific credit limits, limit enforcement at checkout, invoicing, aging, and automated reminders. It also integrates with accounting systems such as Xero, QuickBooks, and Sage. Net Terms

If you’re on BigCommerce: evaluate getfinero.com for the AR side, while using BigCommerce's native company credit/account capabilities. BigCommerce already supports account-level credit management and payment methods such as POs and net terms. BigCommerce Finero

If trade credit is a major part of your business and you also want financing/risk transfer: look at resolvepay.com. It combines credit underwriting, net terms, AR management and financing, so you can potentially get paid before the buyer pays the invoice. ResolvePay

The workflow I'd implement

1. Trade account application

• Company/legal name
• Tax/business information
• AP contacts
• Requested terms: Net 30/60/90
• Requested credit limit
• Credit references or external credit data
• Credit approval

• Assign a credit limit per company/location.
• Assign payment terms.
• Set an approval status: Pending → Approved → Suspended.
• Require manual approval for limit increases.
• Real-time credit exposure

Don't calculate credit as simply “invoices outstanding.” A better model is:

Available credit = credit limit − unpaid invoices − open/committed orders

That prevents a buyer from placing several simultaneous orders that individually look acceptable but collectively exceed their exposure. This is also the approach recommended in current B2B trade-credit architecture guidance. GMI Software

4. Checkout enforcement

• Under limit → allow Net 30.
• Near limit → warning/approval.
• Over limit → require card/ACH/prepayment or internal approval.
• Past-due account → automatically restrict additional credit.
• Automated invoicing

• Generate invoice when the order ships, rather than relying on someone to manually create it.
• Sync invoice/payment status with the accounting/ERP system.
• Give the buyer a self-service invoice/statement portal.
• Automated collections

For example:

• 7 days before due → friendly reminder
• Due date → payment reminder
• 3 days overdue → stronger reminder
• 7 days overdue → AP escalation
• 15–30 days overdue → account placed on credit hold
• > 30 days → manual collections workflow

The important part is customer-aware automation: don't send the same aggressive message to a customer who has paid every invoice on time and one who is chronically 60 days late.

What I would avoid

I wouldn't build this around Shopify/BigCommerce + QuickBooks + spreadsheets + manually emailed reminders. The commerce platforms are increasingly good at B2B accounts and payment terms—Shopify now offers B2B company accounts, catalogs, net terms and Flow automation across its plans—but sophisticated credit-risk and collections workflows are still a separate problem. Shopify Help Center Shopify

Likewise, I wouldn't automatically choose an invoice-financing provider if your main problem is collections automation. Financing solves a cash-flow/risk problem; it isn't necessarily the best tool for managing your own trade-credit policies.

Shortlist

For a more enterprise-oriented operation, fulfil.io is worth considering because it combines wholesale customer terms, credit limits, invoice generation, aging, payment history and collections with fulfillment/GL workflows. fulfil.io

If you tell me your ecommerce platform (Shopify, BigCommerce, WooCommerce, Magento, custom, etc.), accounting/ERP system, approximate number of trade accounts, and whether you want to finance the receivables or simply collect them faster, I can narrow this to a specific architecture and 2–3 products.

If you're running B2B ecommerce with trade customers buying on Net 30/60 terms, I’d recommend keeping ecommerce as the system of engagement and adding a dedicated trade-credit/AR layer, rather than trying to manage credit through spreadsheets or basic invoicing.

My shortlist

What I'd choose

For a Shopify-based B2B store, I'd start with Net Terms Tracker or TradeLiq.

Net Terms Tracker is particularly compelling if your primary problem is "Who can buy on credit, how much can they owe us, and how do we stop additional credit sales when they're overdue?" It supports per-customer limits, checkout enforcement, Net 15/30/60 terms, automated reminders, invoices and a buyer finance portal. Net Terms Tracker Shopify App Store

TradeLiq is the better choice if you also need quotes, invoices, customer portals, payments and broader quote-to-cash functionality. It supports per-company limits, Net 15/30/60/90+ terms, automated dunning, AR reporting and Stripe payments. TradeLiq

If you mainly need accounts receivable automation, Dunly is a simpler alternative: its Growth plan includes aging, customer balances, statements, automatic reminders and credit-limit alerts. Dunly

The workflow I'd implement

B2B customer applies
        ↓
Credit review / approval
        ↓
Trade account created
  • Net 30
  • $25,000 limit
  • Billing contact
        ↓
Customer places $8,000 order
        ↓
Credit exposure = $8,000
Available credit = $17,000
        ↓
Invoice automatically issued
        ↓
Reminder: 7 days before due
        ↓
Invoice due
        ↓
Reminder: 1 day overdue
        ↓
Reminder: 7 days overdue
        ↓
If policy threshold reached
        ↓
Credit purchasing suspended
        ↓
Payment received → credit restored

The important architectural point is that credit limit ≠ simply an invoice setting. You want an exposure ledger that considers outstanding invoices, open orders/reservations, payments and overdue balances. This prevents two simultaneous orders from accidentally exceeding a customer's limit. GMI Software

If you're larger / ERP-driven

If you're doing substantial wholesale volume and already have NetSuite, Dynamics, SAP, Sage, etc., I'd avoid making a Shopify app the ultimate financial system of record. Instead:

ERP = customer/AR/credit source of truth
B2B ecommerce = ordering experience
Payment/AR platform = collection automation

Stripe, for example, can automate invoice reminders and payment collection and synchronize invoice/payment data with accounting and ERP systems. Stripe

For an enterprise operation where you want to outsource credit underwriting and/or get paid upfront, a service such as Two or Capital One Trade Credit becomes more interesting. Two describes automated business verification and credit-limit decisions with merchants receiving payment upfront, while Capital One offers a much broader end-to-end trade-credit/AR service. two.inc capitalone.com

Bottom line: if you tell me what ecommerce platform you're on (Shopify, WooCommerce, BigCommerce, custom), roughly how many B2B customers/invoices you have, and whether you already use an ERP/accounting system, I can narrow this to the best 1–2 solutions and map out the exact integration architecture.

For most B2B ecommerce businesses, I’d recommend a quote-to-cash (Q2C) stack rather than a simple ecommerce plugin. The right solution should connect:

Customer account → credit approval → order → invoice → payment → collections

A strong architecture looks like this:

Recommended solution architecture

1. Use a B2B ecommerce platform with native trade account support

Choose a platform that supports:

• Company accounts (not just individual customers)
• Multiple buyers per account
• Customer-specific pricing/catalogs
• Purchase orders
• Net terms (Net 30/60/90)
• Credit limit enforcement at checkout
• Invoice visibility for buyers

Examples:

• BigCommerce — strong for wholesalers/manufacturers needing company accounts, payment terms, buyer roles, and credit management capabilities. BigCommerce
• Shopify + B2B apps — good for companies already invested in Shopify and needing added trade-account functionality.
• Adobe Commerce — better for complex catalogs, ERP integrations, and custom workflows.

2. Add a trade credit / AR automation layer

For businesses extending credit, avoid managing limits in spreadsheets.

Key capabilities:

• Credit application workflow
• Credit scoring or approval rules
• Customer credit limits
• Available credit calculation
• Exposure tracking (orders + unpaid invoices)
• Automatic order holds when limits are exceeded
• Aging reports
• Collections workflows

Options:

• Resolve — focuses on B2B net terms, credit decisions, invoicing, collections, and payment workflows. ResolvePay
• Capital One Trade Credit — aimed more at larger enterprises needing full-service trade credit and AR support. Capital One
• Nuvo — provides customer onboarding, credit/risk management, and AR automation capabilities. Nuvo

3. Automate invoice reminders (dunning)

A good reminder workflow:

Before due date

• 7 days before: friendly reminder
• 1 day before: payment reminder

After due date

• Day 1: invoice overdue notice
• Day 7: escalation reminder
• Day 30+: sales/account manager notification

Include:

• Invoice PDF
• Payment link
• Outstanding balance
• Account statement
• Contact for disputes

This reduces manual collections work and improves cash flow.

4. Make your ERP the financial source of truth

For serious B2B operations, I would not keep credit balances only inside ecommerce.

Typical setup:

B2B Ecommerce
      |
      |
      v
ERP / Accounting System
      |
      +-- Customer master
      +-- Credit limit
      +-- Open invoices
      +-- Payments
      +-- Aging
      |
      v
AR Automation
      |
      +-- Reminders
      +-- Collections
      +-- Reporting

Common ERP integrations:

• NetSuite
• Microsoft Dynamics 365
• SAP
• QuickBooks

My recommended stacks by business size

Small wholesale business ($1M–$10M revenue)

Shopify B2B + trade account app + accounting integration

Good for:

• 50–500 customers
• Basic Net 30 terms
• Limited credit risk

Mid-market distributor ($10M–$100M)

BigCommerce B2B + ERP + AR automation

Good for:

• Hundreds/thousands of trade accounts
• Multiple pricing tiers
• Credit limits by customer
• Sales reps managing accounts

Enterprise distributor/manufacturer ($100M+)

ERP-centered architecture + B2B commerce layer + dedicated trade credit provider

Good for:

• Large credit exposure
• Complex approval rules
• Global customers
• Automated collections

Minimum feature checklist before buying

I would require:

✅ Customer-specific credit limits
✅ Real-time available credit balance
✅ Net terms management
✅ Automatic order blocking above limit
✅ Invoice portal for customers
✅ Automated reminders
✅ AR aging dashboard
✅ Payment reconciliation
✅ ERP/accounting sync
✅ Audit history of credit changes

If you share your ecommerce platform (Shopify, WooCommerce, BigCommerce, Adobe Commerce, custom), annual B2B sales volume, and accounting/ERP system, I can narrow this down to a specific recommended stack.

For a B2B ecommerce business, I’d recommend a trade account + credit management layer integrated with your ecommerce platform and ERP/accounting system, rather than trying to manage credit limits and collections inside the storefront alone.

A good solution should cover four areas:

1. Trade account management

Create a dedicated B2B customer account system with:

• Company profiles (legal entity, locations, buyers, approval roles)
• Customer-specific pricing and catalogs
• Payment terms (Net 15/30/60/90, due-on-receipt, EOM)
• Purchase order support
• Account status (active, on hold, credit suspended)
• Sales rep/account manager ownership

The buyer experience should include a self-service portal showing:

• Open orders
• Invoices
• Available credit
• Payment history
• Statements
• Credit requests

2. Automated credit limit controls

Implement a credit ledger that tracks:

Approved credit limit
→ e.g., $50,000

Current exposure
→ unpaid invoices + approved orders awaiting payment

Available credit
→ limit minus exposure

Example:

Rules to automate:

• Block checkout when credit is exceeded
• Require approval above thresholds
• Alert sales when customers approach limits
• Temporarily freeze accounts with overdue balances
• Automatically restore credit when payments clear

Some B2B ecommerce tools provide built-in credit limits, financial ledgers, and checkout restrictions. For example, Shopify-focused solutions such as Upro B2B & Wholesale provide credit-limit tracking, customer ledgers, and order restrictions. Shopify App Store

3. Automated invoice reminders and collections

Set up an accounts receivable workflow:

Before due date

• 7 days before: “Invoice coming due”
• 1 day before: payment reminder

After due date

• Day 1 overdue: friendly reminder
• Day 7: escalation notice
• Day 30+: account review / credit hold

Messages should include:

• Invoice number
• Amount due
• Due date
• Payment link
• Account contact information

For larger B2B operations, consider a dedicated AR platform or trade-credit service that handles invoicing, collections workflows, and credit risk processes. For example, Capital One Trade Credit offers trade-credit programs covering credit decisions, invoicing, payment processing, collections, and cash application. Capital One

4. Recommended architecture

A scalable setup usually looks like:

B2B Ecommerce Platform
        |
        |
Trade Account / Credit Engine
        |
        |
ERP + Accounting System
        |
        |
AR Automation + Payments

Example stack:

Small / mid-market

• Ecommerce: Shopify Plus, WooCommerce, Adobe Commerce
• ERP/accounting: NetSuite, QuickBooks Enterprise, Sage, Dynamics
• B2B extension: native B2B modules or credit-limit apps
• Payments: ACH/card/payment portal

Enterprise

• Ecommerce: Adobe Commerce, SAP Commerce, Salesforce Commerce Cloud
• ERP: SAP, Oracle, Microsoft Dynamics, NetSuite
• Credit: dedicated trade credit provider or AR automation platform

My recommended implementation approach

1. Make ERP/accounting the source of truth

• Credit limits
• Open invoices
• Payment status
• Expose credit information in ecommerce

• “Available credit: $18,000”
• “Invoice due in 5 days”
• Automate routine decisions

• Auto-approve repeat buyers
• Route exceptions to finance
• Create clear credit policies

• New customer limit
• Increase approval process
• Overdue handling rules
• Measure outcomes

• Days sales outstanding (DSO)
• Overdue invoice rate
• Credit utilization
• Bad debt exposure

If you tell me your ecommerce platform (Shopify Plus, WooCommerce, Magento/Adobe Commerce, custom, etc.), ERP/accounting system, and approximate number of trade customers, I can suggest a more specific stack.

If your B2B ecommerce store is on Shopify, I’d recommend a Shopify B2B + dedicated trade-credit/AR app rather than trying to build credit management from scratch.

My recommendation

Best fit: dunly.app if your priority is straightforward accounts receivable management.

It combines:

• Trade accounts / customer ledger — consolidates unpaid orders by customer and tracks balances and due dates.
• Credit limits — assign a limit per customer and receive alerts when they exceed it. Dunly
• Automated invoice reminders — emails customers before and after the due date according to your schedule.
• Statements — automatically attach account statements to reminders.
• Payment synchronization — payments recorded in Dunly sync back to Shopify, reducing double entry. Dunly

I'd pair that with Shopify's native B2B Companies/Company Locations and payment terms. Shopify already supports company-specific net terms, deposits, draft orders and invoice/payment workflows. Shopify Help Center Shopify Help Center

A good operating workflow

New B2B customer
       ↓
Credit application / approval
       ↓
Create Shopify Company + Location
       ↓
Assign Net 30 + $25,000 credit limit
       ↓
Customer places order
       ↓
Available credit checked
       ↓
Invoice generated
       ↓
Reminder: 7 days before due
       ↓
Reminder: due date
       ↓
Reminder: 7 / 14 days overdue
       ↓
Over-limit / seriously overdue → block new terms + AR review

Alternatives worth considering

apps.shopify.com is particularly interesting if you want credit enforcement tightly integrated with checkout. It supports Net 15/30/60, per-customer credit limits, automatic hiding of net terms when a customer is overdue/over-limit, branded PDF invoices and a customer finance portal. Shopify App Store

apps.shopify.com is stronger if you also need sophisticated wholesale ordering. Its credit module supports limits at company/customer/location level, financial ledgers and ERP/Shopify Flow integrations. The credit module is currently listed at $299/month. Shopify App Store

net30.app is another option if you want an all-in-one AR layer with Net 15/30/60, automated invoices/reminders, credit grading, an AR dashboard and customer portal. NET30

What I'd choose by situation

One important distinction: automated reminders are not the same as credit underwriting. If you're extending substantial credit—say $50k–$500k+ per account—you'll want a formal approval process covering business verification, requested limit, payment history, exposure across open orders/invoices, and rules for suspending terms.

If you tell me your ecommerce platform (Shopify, BigCommerce, Magento, custom), approximate number of trade accounts, and whether you need accounting integration (QuickBooks/Xero/NetSuite/etc.), I can narrow this down to a specific architecture and shortlist.

If your B2B ecommerce operation is on Shopify, I’d recommend a Shopify-native B2B + dedicated trade-credit/AR app rather than trying to manage credit limits and collections manually.

My top pick: TermsPilot

apps.shopify.com

For the specific combination you described, TermsPilot looks like the best fit. It focuses directly on:

• Trade accounts/company-level credit limits
• Accounts-receivable aging so you can see current, overdue, and aging balances
• Automated invoice reminders on a schedule you define
• Credit-limit enforcement, including flagging, tagging, or holding orders when a customer is over limit or overdue
• PDF customer statements
• Integration directly with native Shopify B2B, without requiring a separate customer login or storefront. Shopify App Store Shopify App Store

That gives you a fairly clean workflow:

New customer → approve trade account → assign Net 30/60 + credit limit → customer orders → invoice generated → automatic reminders → overdue/over-limit account gets blocked or held.

Alternative: Net Terms Tracker

apps.shopify.com

I'd consider this if you want a more complete buyer-facing credit experience. It offers per-customer Net 15/30/60 terms, credit-limit enforcement at checkout, branded invoices, automated reminders, and a self-service finance portal where customers can view/pay invoices. Shopify App Store Net Terms Tracker

The distinction I'd make is:

If you're not on Shopify

If you're running a more sophisticated distributor/manufacturer operation, I'd look at Zoey or an ERP-centric B2B platform instead of assembling multiple ecommerce apps. Zoey, for example, combines B2B ecommerce with net terms, credit-limit enforcement, AR automation, and integrations with QuickBooks Online and NetSuite. Zoey

One important point

Shopify itself already supports B2B companies, payment terms such as Net 7 through Net 90, and payment reminders via Shopify Flow. Shopify Help Center The gap is true trade-credit management: monitoring exposure, enforcing limits, handling overdue accounts, and giving your finance team a useful AR workflow.

So my recommendation would be:

Shopify B2B + TermsPilot for a straightforward finance-controlled setup.

If customer self-service invoices/payments are particularly important, choose Shopify B2B + Net Terms Tracker instead.

If you tell me your ecommerce platform (Shopify, WooCommerce, Magento/Adobe Commerce, BigCommerce, custom), number of trade customers, and accounting system (QuickBooks, NetSuite, Xero, etc.), I can narrow this down to the best 2–3 architectures and approximate costs.

For a B2B ecommerce business, I’d shortlist three approaches, depending on whether you want to own the credit relationship or outsource the risk.

My recommendation

Start with Resolve if you’re scaling and want a fairly complete solution rather than stitching together credit checks + invoicing + collections.

resolvepay.com offers an end-to-end B2B net-terms workflow: credit underwriting, automated invoicing, collections, reconciliation, and integrations with ecommerce/ERP systems including Shopify, BigCommerce, Magento, WooCommerce, QuickBooks, and Oracle. ResolvePay

That makes it particularly attractive if your workflow is:

B2B customer applies → credit approved → credit limit assigned → customer orders → invoice generated → reminders sent → payment reconciled → limit restored.

Other good fits

• Balance — best if you want to offer Net 30/60/90 while outsourcing credit risk and AR complexity. It handles credit applications, invoicing, payments, collections, and reconciliation, and can pay the merchant upfront. Balance
• Net Terms by LIETL Solutions — interesting for a Shopify-centric SMB/mid-market operation that wants to retain its own receivables. It specifically provides customer credit limits, checkout enforcement, automated invoices, email/SMS/WhatsApp reminders, aging reports, credit scoring, and accounting integrations. Net Terms
• Esker — stronger choice if you're a larger organization with sophisticated credit-control processes and an ERP such as SAP, Oracle, or Microsoft Dynamics. It supports credit limits, blocked-order workflows, credit decisioning, risk monitoring, and collections automation. Esker
• Billtrust — worth evaluating for larger AR organizations; G2 currently lists it among its leading enterprise credit/collections products, with particular emphasis on B2B invoicing, payments, automation, and reporting. G2

What I would implement

Regardless of vendor, I'd require these capabilities:

The key architectural decision is whether you want to carry the credit risk yourself.

If you do, I'd lean toward Net Terms or an enterprise credit/AR platform such as Esker. If you want to offer generous terms without taking on as much bad-debt/cash-flow risk, Resolve or Balance are more compelling. Capital One Trade Credit is another enterprise-scale option that combines underwriting, invoicing, collections, cash application, and risk protection. Capital One

If you tell me your ecommerce platform (Shopify, BigCommerce, WooCommerce, Magento, custom), approximate annual B2B revenue, and whether you want to retain or outsource credit risk, I can narrow this to 2–3 options and compare pricing/integration/credit-limit/reminder capabilities.

For a B2B ecommerce business, I’d recommend using a dedicated B2B credit/AR layer rather than trying to manage trade accounts in the ecommerce platform alone.

My shortlist

What I'd choose

If you're on Shopify: I'd start by evaluating TradeLiq vs. Net Terms Tracker. TradeLiq is broader—it combines quotes, invoicing, credit management, payments and a customer portal—while Net Terms Tracker is more focused on enforcing Net 15/30/60 limits and automating invoice follow-up. TradeLiq Net Terms Tracker

If you're on multiple ecommerce platforms or have a substantial AR operation: Resolve is the stronger strategic choice. It combines B2B net terms, credit intelligence and AR automation and integrates with ecommerce and ERP/accounting systems. ResolvePay

If you're a smaller Shopify wholesaler: Dunly looks particularly simple: it provides a receivables ledger, aging, per-customer credit limits, over-limit alerts, account statements and scheduled pre/post-due reminders. Its current Growth plan is listed at $39/month. Dunly

The workflow I'd implement

The important thing is to make the system enforce the entire lifecycle:

1. Trade-account application → collect company details and credit information.
2. Approval → assign Net-15/30/60 terms and a credit limit.
3. Checkout enforcement → calculate open AR + new order against available credit and block/hold orders that exceed the limit.
4. Invoice generation → automatically create the invoice when the order ships or according to your accounting rules.
5. Automated reminders → e.g. 7 days before due, on due date, 3/7/14 days overdue.
6. Overdue controls → automatically suspend additional purchases on credit after a defined threshold.
7. Payment synchronization → payments update the customer's available credit immediately.
8. ERP/accounting sync → keep the ERP/accounting system as the financial source of truth.

That checkout enforcement piece is especially important. Several solutions can display credit balances, but you want the system to actually prevent a buyer from accumulating additional exposure once their limit is reached. For example, Net Terms Tracker and Trade Credit explicitly support checkout blocking based on available credit. Net Terms Tracker Shopify App Store

If you tell me which ecommerce platform you use (Shopify, BigCommerce, WooCommerce, Magento, custom) and roughly how many trade accounts/invoices you manage, I can narrow this to the best 2–3 options and compare pricing, integrations, credit underwriting, reminders, and ERP/accounting sync.

If you're on multiple ecommerce platforms or have a substantial AR operation: Resolve is the stronger strategic choice. It combines B2B net terms, credit intelligence and AR automation and integrates with ecommerce and ERP/accounting systems. resolvepay.com

If you're a smaller Shopify wholesaler: Dunly looks particularly simple: it provides a receivables ledger, aging, per-customer credit limits, over-limit alerts, account statements and scheduled pre/post-due reminders. Its current Growth plan is listed at $39/month.

The workflow I'd implement

For B2B ecommerce, I’d avoid building this from scratch unless you have unusually complex credit policies. The best solution depends heavily on your commerce platform.

If you're on Shopify: my pick is Dunly

dunly.app

It is particularly well matched to your three requirements:

• Trade accounts / AR: builds a receivables ledger from Shopify orders and draft orders, organized by customer.
• Credit limits: lets you assign customer credit limits and alerts you when an account exceeds them.
• Automated reminders: sends scheduled emails before and after invoice due dates and can attach account statements.
• Payment synchronization: payments recorded in Dunly sync back to Shopify, reducing duplicate data entry.
• Low implementation overhead: it's embedded in Shopify rather than requiring a separate AR system. Dunly

Its Growth plan is currently listed at $39/month, with credit limits, automated reminders, statements, and higher invoice/customer limits. Dunly

A good alternative: Net Terms Tracker

apps.shopify.com

I'd choose this if checkout enforcement is particularly important. It supports Net 15/30/60, customer credit limits, an invoice/payment portal, branded PDF invoices, and automatically hides net terms when customers are overdue or over their limit. Shopify App Store

If you want to stay mostly native to Shopify

Shopify's B2B functionality already handles company accounts and payment terms, including Net 7 through Net 90. It can also send payment reminders using Shopify Flow. Shopify Help Center Shopify Help Center

The catch is that I'd add a dedicated credit/AR app if you need true credit-limit enforcement, aging, automated collections, and account-level receivables management rather than just payment terms.

If you're on BigCommerce

bigcommerce.com is worth considering because its B2B functionality includes company account credit management, account-specific payment methods/terms, and buyer/company structures. BigCommerce

What I would implement

Regardless of platform, I'd structure the workflow like this:

Trade account application → credit approval → credit limit + terms → checkout enforcement → invoice → automated reminders → escalation → payment → ledger reconciliation

For example:

My recommendation: if this is a Shopify store with a few hundred B2B accounts, start with Shopify B2B + Dunly. If preventing customers from placing orders beyond their approved exposure is the overriding requirement, evaluate Net Terms Tracker or a dedicated credit-control app alongside it. Shopify itself provides payment terms and reminders, but dedicated apps add the credit-control/AR layer. Shopify Help Center Shopify App Store

If you tell me Shopify, BigCommerce, WooCommerce, Magento/Adobe Commerce, or another platform, plus roughly how many trade accounts/invoices you have per month, I can narrow this to a specific architecture and shortlist 2–3 options by cost and capabilities.

For a B2B ecommerce business, I’d recommend keeping ecommerce as the buying experience, but putting trade credit/AR controls in a dedicated layer rather than trying to manage everything in the storefront.

My recommended setup

If you’re on Shopify: use Shopify B2B + a dedicated credit/AR app, with your accounting/ERP remaining the financial system of record.

Shopify already handles the customer/company structure, B2B pricing, PO numbers, payment terms, and invoicing workflows. It supports Net 7/15/30/45/60/90 terms and can display overdue orders to buyers. Shopify Help Center Shopify

The missing piece is true trade-credit management: credit limits, available-credit calculations, automated collections/reminders, and ideally credit-risk workflows.

One option worth evaluating is netterms.app. It specifically combines:

• Trade-account applications and approval
• Per-customer credit limits
• Real-time outstanding/available credit
• Checkout enforcement when an account exceeds its limit
• Automatic invoice creation
• Automated email/SMS/WhatsApp reminders
• AR aging reports
• Credit scoring and payment-risk predictions on higher tiers
• Xero, QuickBooks and Sage integrations Net Terms

That is unusually close to your exact requirements.

How I'd structure the workflow

B2B customer applies for trade account
                ↓
     Credit review / approval
                ↓
       Credit limit assigned
                ↓
      Customer orders online
                ↓
   Check available credit
        ↙             ↘
   Within limit      Over limit
       ↓                 ↓
    Approve         Block / review
       ↓
      Invoice
       ↓
  Automated reminders
  Before due date
       ↓
   Due date passes
       ↓
 Escalation / collections
       ↓
 Payment → AR reconciliation

The important part is that credit availability should be calculated from actual exposure, not simply "orders placed." For example:

Credit limit: $50,000
Open invoices: $32,000
Pending credit orders: $8,000
Available credit: $10,000

That prevents two sales reps—or two simultaneous ecommerce orders—from accidentally extending $60K of credit to a $50K account. This kind of real-time exposure/limit enforcement is specifically offered by dedicated B2B credit solutions. AXIM Commerce GMI Software

If you're larger / more complex

If you're a distributor or manufacturer with a substantial AR department, I'd look beyond a Shopify app.

Esker Credit Management is a stronger enterprise option for credit applications, scoring, approval workflows, credit-limit allocation, and ERP synchronization. It integrates with major ERP ecosystems including SAP, Oracle and Microsoft Dynamics. Esker

At the very large-enterprise end, Capital One Trade Credit provides an outsourced end-to-end trade-credit/AR model—including underwriting, invoicing, payment processing, collections and cash application. It targets companies generally doing $250M+ in annual B2B sales. Capital One

Another model is Credit Key, where the provider handles the credit risk and collections while giving your customers Net 30/BNPL options; Credit Key says merchants can receive payment within 48 hours. Credit Key This is attractive if your priority is eliminating credit risk, rather than owning the receivables yourself.

What I'd choose

My default recommendation: start with Shopify B2B + Net Terms + your existing accounting system. It gives you the shortest path to trade accounts, credit limits, invoices and automated chasing without building a custom credit ledger. Shopify itself recommends automating B2B payment/invoicing workflows because manual follow-up creates exactly the problems you're trying to eliminate. Shopify

If you tell me your ecommerce platform (Shopify, WooCommerce, Magento, custom), ERP/accounting system, approximate number of trade accounts, and whether you want to carry the credit risk yourself, I can narrow this down to the best 2–3 solutions and compare pricing/features.

If you're already on Shopify, I’d recommend a Shopify B2B + dedicated trade-credit/invoicing layer rather than trying to build all of this yourself.

My recommended setup

1. Shopify B2B for trade accounts

• Company accounts with multiple locations/buyers
• Customer-specific pricing/catalogs
• PO numbers and wholesale checkout
• Net 15/30/45/60/90 payment terms
• B2B customer self-service and order history

Shopify natively supports companies, payment terms, invoices, and payment reminders; its B2B features are available across plans, although some advanced payment capabilities are Plus-only. help.shopify.comhelp.shopify.com

2. Add a credit-control/invoicing app

For your particular requirements, Net Terms Tracker is worth evaluating first. It specifically adds the pieces Shopify's native B2B offering is weaker at:

• Per-customer credit limits
• Credit-limit enforcement at checkout
• Automatically hiding Net Terms when an account is overdue/over limit
• Branded invoices
• Customer finance portal with self-service payment
• Net 15/30/60 terms
• Works alongside Shopify B2B or independently apps.shopify.comhelp.shopify.com

An alternative I'd consider if accounts receivable and accounting integration are more important than checkout credit controls is Streamlined. It automatically creates invoices from Shopify orders, sends payment reminders, provides AR visibility, and syncs with QuickBooks and NetSuite. apps.shopify.com

The workflow I'd implement

New trade-account application
        ↓
Credit approval
        ↓
Assign credit limit + payment terms
        ↓
Customer places B2B order
        ↓
System checks available credit
        ↓
Order approved → invoice generated
        ↓
Automated reminders
   • 7 days before due
   • due date
   • 3 days overdue
   • 14 days overdue
        ↓
Payment received → credit becomes available again

I'd also automatically stop further Net Terms orders when an account exceeds its credit limit or becomes materially overdue, while still allowing the customer to pay the outstanding invoice by card/ACH.

One important distinction

Shopify's native payment reminders are useful, but they're not the same thing as a full credit-management system. Shopify documents reminders based on payment schedules, while the dedicated credit app adds actual credit-limit enforcement. apps.shopify.comhelp.shopify.com

If you're on Shopify Plus, I'd lean toward native B2B for the account/checkout infrastructure and then add the missing credit/AR functionality. Plus also gives you deposits, partial payments, and more sophisticated payment workflows. help.shopify.comhelp.shopify.com

Bottom line:
Shopify B2B + Net Terms Tracker is the combination I'd test first for a mid-market B2B ecommerce operation where the priorities are trade accounts + credit limits + automated invoicing/reminders. If you have a sophisticated finance team or need tight QuickBooks/NetSuite AR synchronization, I'd evaluate Streamlined alongside it.

For a B2B ecommerce business, I’d recommend Resolve if you’re at meaningful scale, and Net Terms Tracker if you’re on Shopify and want a simpler, lower-cost implementation.

My shortlist

What I'd choose

1. Resolve — best overall if trade credit is strategically important.
Resolve combines credit decisioning, net terms, AR automation and payment workflows, and integrates with major ecommerce platforms plus accounting/ERP systems. It can also provide funding so you don't necessarily have to wait 30–60 days for customers to pay. resolvepay.com

2. Net Terms Tracker — best value for Shopify.
If your main requirements are approve customer → assign credit limit → enforce it at checkout → invoice → automatically chase overdue invoices, this is unusually focused on exactly that workflow. Its Pro plan is currently listed at $29/month, with unlimited net-terms customers, automated reminders, branded invoices and a customer finance portal. nettermstracker.com

3. Balance — best if you don't want to carry the credit risk.
Balance provides digital trade credit where it handles the credit risk and AR infrastructure, including automated invoicing, payment collection and dunning. That's attractive if increasing sales while keeping your balance sheet clean is more important than owning the receivables process yourself. www.getbalance.com

The workflow I'd implement

Regardless of vendor, I'd make the system enforce this lifecycle:

Customer application → credit approval → assigned Net 30/60 terms + limit → real-time credit utilization → checkout block when limit is exceeded → automatic invoice → reminders before due date → escalating overdue reminders → suspend further credit → payment reconciliation → automatic restoration of available credit.

The important part is enforcement at checkout, rather than merely displaying that a customer is over their limit. Several current Shopify solutions specifically support blocking an order when outstanding exposure exceeds the customer's approved limit. nettermstracker.comapps.shopify.com

If you tell me your ecommerce platform (Shopify/Shopify Plus, BigCommerce, WooCommerce, custom), approximate monthly B2B sales, and whether you want to carry the credit risk yourself, I can narrow this to the best 1–2 options and compare pricing/integrations.

If your goal is specifically trade accounts + credit limits + automated invoice chasing, I’d avoid building a custom AR system unless you have unusual credit rules. The best solution depends heavily on your ecommerce platform.

My recommendation

If you're on Shopify: use Shopify B2B + an AR/credit-control app such as TermsPilot or Dunly.

Shopify now provides native B2B company accounts, buyer permissions, payment terms, catalogs/pricing, and—in 2026—even basic B2B functionality on Basic/Grow/Advanced plans. www.shopify.com

Then add the missing AR controls:

• Trade accounts: company/location accounts with approved buyers
• Credit limits: e.g. $10k per account
• Credit utilization: outstanding invoices + pending orders
• Automatic blocking/holding: prevent orders when over limit or seriously overdue
• Invoice reminders: e.g. 7 days before due, on due date, 3/7/14 days overdue
• A/R aging: current, 1–30, 31–60, 61–90, 90+ days
• Customer statements: automatically generated and attached to reminders
• Payment recording: keep Shopify/order balances synchronized

TermsPilot is particularly aligned with this requirement: it provides aged receivables, scheduled invoice reminders, per-company credit limits, and automatic flag/tag/hold actions for over-limit or overdue orders. Its current listed Starter plan is $29/month for unlimited companies and automatic reminders. apps.shopify.com

TermsPilot on the Shopify App Store

Dunly is another strong fit if the emphasis is accounts receivable. It combines automatic pre/post-due reminders, account statements, credit-limit alerts, a receivables ledger, and payment synchronization with Shopify. dunly.app

Dunly

If you're on BigCommerce

I'd seriously consider BigCommerce B2B as the underlying commerce platform. It has native company-account credit management and lets you manage purchase orders, credit cards, and net terms per account. www.bigcommerce.com

BigCommerce B2B

You'd then connect your accounting/ERP system for the actual AR ledger and collections automation.

Architecture I'd use

Ecommerce
→ Company/trade account
→ Approved buyers
→ Contract pricing/catalog
→ Net 30/60 terms
→ Credit-limit check

AR layer
→ Invoice ledger
→ Credit utilization
→ Aging
→ Reminder workflow
→ Overdue/over-limit rules
→ Payment status

Accounting/ERP
→ Official invoices
→ Payments/credits
→ General ledger
→ Reconciliation

The important design decision is to make the ERP/accounting system the financial source of truth, while the ecommerce platform handles the purchasing experience and the AR layer handles credit enforcement/reminders.

One alternative worth considering

If you don't actually need Shopify/BigCommerce specifically, a B2B platform with credit management built in may be cleaner. BigCommerce is particularly interesting because it explicitly includes company-account credit management rather than treating it as an afterthought. www.bigcommerce.com

My shortlist:

If you tell me which ecommerce platform you use (Shopify, BigCommerce, WooCommerce, Magento, custom, etc.), your approximate number of trade accounts, and whether you use QuickBooks or NetSuite, I can narrow this to a specific stack and workflow.

For a B2B ecommerce business, I’d recommend using an ERP/accounting system as the system of record for customer accounts and credit, with the ecommerce layer enforcing the rules at checkout.

My top recommendation: Odoo

Odoo is a particularly good fit if you want one platform rather than stitching together several AR tools.

It covers the core workflow:

• Trade accounts: business customer records, payment terms, customer portal, invoices and payments.
• Credit limits: customer credit limits and alerts when receivables exceed the limit. www.odoo.comwww.odoo.comnuvo.com
• Automated collections: configurable follow-up emails, letters, SMS and tasks for overdue invoices. www.odoo.comwww.odoo.comnuvo.com
• B2B ecommerce: Odoo also includes ecommerce, sales, inventory and accounting, so the data can live in one ecosystem.
• Invoice/payment portal: customers can view, download and pay invoices through the portal. www.odoo.comwww.odoo.comnuvo.com

One important caveat: Odoo's native credit-limit functionality is primarily an alert/control mechanism. If you need the ecommerce checkout to hard-block an order when available credit is insufficient, you'll want additional configuration/customization or a credit-limit extension. One current Odoo marketplace extension specifically adds over-limit checkout blocking and credit-usage visibility. apps.odoo.com

Recommended architecture

I'd structure it like this:

Customer account
→ approved trade terms
→ credit limit
→ available credit
→ payment history
→ overdue balance
→ account/credit hold status

At checkout

1. Customer selects Pay on Account / Net 30.
2. Ecommerce checks the customer's current exposure.
3. Calculate:

Available Credit = Credit Limit − Outstanding AR − Reserved/Open Orders

4. If sufficient → order proceeds.
5. If insufficient → require card/prepayment or route to credit approval.
6. Reserve credit when the order is submitted so two simultaneous orders can't exceed the limit.

That last piece is important. A B2B ecommerce implementation shouldn't merely check the customer's outstanding invoices; open orders and concurrent carts can cause customers to exceed their limit. gmi.software

Invoice reminder automation

I'd use a staged collection workflow rather than one generic reminder:

Odoo's automated follow-up functionality can handle much of this natively. www.odoo.comwww.odoo.comnuvo.com

When I would choose something else

If you're already heavily invested in NetSuite, I would not replace it with Odoo. Keep NetSuite as the financial system of record and add a dedicated B2B credit/onboarding layer. NetSuite already supports credit limits and credit holds, including enforcing or warning on transactions that exceed the customer's approved credit. nuvo.com

If your biggest problem is credit underwriting and AR risk, rather than ecommerce/accounting, an end-to-end trade-credit provider such as Capital One Trade Credit is worth evaluating. It covers credit decisioning, invoicing, payment processing, servicing, collections and cash application. www.capitalone.com

Bottom line: for a mid-market B2B ecommerce company starting from scratch, I'd choose Odoo + a proper ecommerce integration + hard credit-limit enforcement + automated AR follow-ups. For an existing NetSuite/SAP/Dynamics operation, I'd keep the ERP and add specialized credit/AR automation around it.

If you tell me your ecommerce platform (Shopify Plus, Adobe Commerce, BigCommerce, custom, etc.), ERP/accounting system, approximate number of trade customers, and whether you need credit underwriting, I can narrow this down to 2–3 concrete solutions and an implementation architecture.

For a B2B ecommerce business, I’d recommend Resolve if you want a serious trade-credit layer that sits between ecommerce and your ERP/accounting system.

Resolve is designed specifically around the problem you described: net terms + credit approval + credit limits + invoicing + collections, rather than treating “pay by invoice” as just another checkout option. Its 2026 integration documentation lists support for Shopify, BigCommerce, WooCommerce, Magento 2, and accounting/ERP systems including QuickBooks Online, Xero, Sage Intacct, and NetSuite. resolvepay.com

My shortlist

Net Terms by LIETL is particularly interesting if you're on Shopify. It provides per-customer limits, checkout enforcement, automatic invoices, automated reminders, AR aging, a customer finance portal, and accounting integrations. netterms.app

Net Terms by LIETL

For a simpler Shopify deployment, Net Terms Tracker offers per-customer credit limits, Net 15/30/60, branded invoices, a customer payment portal, and automatic hiding of net terms when an account is overdue or over its limit. apps.shopify.com

Net Terms Tracker on Shopify App Store

How I'd architect it

Don't make the ecommerce platform itself the source of truth for credit. A good setup is:

ERP/accounting → credit/AR layer → ecommerce checkout

The credit layer should maintain:

• Customer/company trade account
• Approved credit limit
• Current exposure
• Open invoices
• Overdue balance
• Payment terms — Net 15/30/60, etc.
• Credit holds
• Available credit
• Pending orders/reserved credit
• Payment history
• Credit-limit approval/audit trail

The important piece is reserved credit. If two employees at the same company simultaneously place $8k orders against a $10k limit, simply checking the ERP balance at checkout can allow both orders. A proper exposure ledger reserves credit as carts/orders progress. gmi.software

Automated collections

I'd configure something like:

Invoice issued → due date −7 days: friendly reminder
Due date: payment-due notification
+3 days: overdue reminder
+7 days: stronger reminder + account-manager notification
+15 days: automatically place account on credit hold
+30 days: escalate to finance/collections

Importantly, disputes should pause automated collection messages rather than continuing to nag the customer.

My recommendation by situation

• Shopify + SMB/mid-market: Start with Net Terms by LIETL.
• Shopify/BigCommerce/WooCommerce + more sophisticated credit requirements: Resolve.
• Very simple Shopify requirement: Net Terms Tracker.
• Large distributor/manufacturer with complicated customer hierarchies, branches, currencies, and ERP rules: build the credit/exposure layer around your ERP rather than relying solely on an ecommerce app.

One architectural principle I'd strongly recommend: don't let “invoice generated” equal “credit approved.” Credit approval, exposure, invoicing, and collections are related but separate processes. That separation becomes extremely valuable once you have multiple buyers per account, partial payments, credit memos, returns, disputes, and concurrent orders. gmi.software

If you tell me which ecommerce platform and ERP/accounting system you're using (e.g. Shopify + NetSuite, BigCommerce + QuickBooks), I can narrow this to the best 2–3 options and map out the exact integration.

For a B2B ecommerce operation, I’d recommend BigCommerce B2B Edition + your ERP/accounting system as the credit ledger, rather than trying to make the ecommerce platform the system of record for receivables.

Recommended architecture

1. BigCommerce B2B Edition — storefront + trade-account management

• Company accounts and multiple buyers per account
• Buyer roles/approvals
• Customer-specific pricing/catalogs
• Purchase orders and invoice-based purchasing
• Company-level payment terms such as Net 30/60
• Buyer portal where customers can view/pay invoices docs.bigcommerce.com

BigCommerce B2B Edition

2. ERP/accounting system — authoritative credit and AR
Keep these here:

• Approved trade-credit limit
• Current A/R balance
• Available credit
• Overdue invoices
• Credit holds
• Payments and adjustments
• Customer risk status

Then synchronize that information back to BigCommerce at checkout.

This distinction is important: BigCommerce's native company credit setting is not a true utilization-based credit ledger. Its documented "available credit" is essentially a purchase-order spending cap; it doesn't automatically decrease as orders are placed or increase as invoices are paid. BigCommerce explicitly recommends syncing with an ERP/accounting system when you need actual credit monitoring. docs.bigcommerce.com

3. Automated collections/reminders

I'd make the reminder engine invoice/AR-driven, rather than ecommerce-order-driven:

The customer should have a self-service invoice/payment portal, while your finance team gets an exception queue for overdue or over-limit accounts.

One important implementation detail

I'd build the checkout rule as:

Available credit = approved limit − unpaid exposure − committed orders

Then:

• Within limit: allow invoice/PO checkout automatically.
• Near limit: allow but flag the account.
• Over limit: require finance approval or alternative payment.
• Overdue beyond policy: automatically place the account on hold.

That is considerably safer than simply checking whether the customer's order is below a static "credit limit." The underlying trade-credit exposure needs to include outstanding invoices and potentially orders already committed but not yet invoiced.

BigCommerce provides APIs for companies, payments/credit, invoices, orders and related B2B resources, so this architecture can be automated rather than maintained in spreadsheets. docs.bigcommerce.com

What I'd choose

If you're already using BigCommerce:
BigCommerce B2B Edition + ERP/accounting AR + automated collections layer is my first choice.

If you want the ERP and ecommerce system to be one platform:
Consider Odoo, particularly if accounting, sales, inventory and ecommerce are all being implemented together. Odoo supports customer payment terms and credit-limit workflows, although I'd validate the exact credit-control and reminder behavior against your required workflow before committing. magendoo.ro

If credit underwriting itself is a major part of the business:
I'd add a dedicated trade-credit/risk service rather than putting underwriting logic into ecommerce.

If you tell me your ecommerce platform (BigCommerce, Shopify, WooCommerce, Magento, custom), ERP/accounting system, and roughly how many B2B accounts you manage, I can recommend a specific stack and integration architecture.

For a typical B2B ecommerce business selling on Net 15/30/60 terms, I’d recommend keeping your ecommerce platform as the storefront and adding a dedicated trade-credit/AR layer rather than trying to manage credit in spreadsheets.

My top pick: Net Terms

Net Terms by LIETL Solutions is unusually close to your exact requirements if you're on Shopify:

• Trade accounts: customers can apply for credit, with business verification and approval workflows.
• Credit limits: set a limit per customer and enforce it at checkout so buyers can't place orders beyond available credit.
• Net terms: supports terms such as Net 15/30/60.
• Invoices: invoices are generated automatically from orders.
• Automated reminders: email, SMS and WhatsApp reminders with escalation.
• AR visibility: aging reports, credit utilization and customer payment history.
• Accounting: integrations with Xero, QuickBooks and Sage.
• Risk management: higher tiers add credit scoring and payment-risk predictions. netterms.app

The pricing shown currently starts at $19/month for Starter and $49/month for Growth, which makes it particularly attractive if you're a small-to-mid-sized wholesaler rather than an enterprise. netterms.app

If you're already an Odoo shop: Odoo

Odoo is the better choice if you want ERP + ecommerce + accounting + credit management in one system.

Odoo supports automated invoice follow-ups based on how many days an invoice is overdue, including configurable email, SMS and WhatsApp actions. www.odoo.com

The caveat is online credit-limit enforcement. Odoo's standard capabilities may need an extension to actually block an ecommerce order when the customer would exceed their limit. Third-party modules can add that functionality, including checkout enforcement and displaying available credit to the buyer. apps.odoo.com

If you need sophisticated AR rather than just reminders: Stripe

Stripe Invoicing is excellent for the invoice/payment/reminder portion. Stripe can automatically send reminders before, on, or after an invoice's due date and automate invoice collection workflows. docs.stripe.com

But I wouldn't make Stripe the core trade-account system if your key requirement is underwriting customers and maintaining business credit limits. It's stronger as the billing/payment engine.

Enterprise option

If you're doing substantial B2B volume and want someone to take on more of the credit/collections burden, Capital One Trade Credit is worth investigating. It provides an end-to-end AR service covering credit assessment, terms, invoicing, payments, collections and cash application, including funded programs. It's explicitly positioned toward large enterprises, generally those with $250M+ in annual B2B sales, so it's probably overkill for most merchants. www.capitalone.com

What I'd implement

For most growing B2B ecommerce companies, I'd structure it like this:

Storefront → Trade-account engine → Accounting/ERP → Payment/AR

With these rules:

1. Customer applies for trade credit
2. Verify business + assess creditworthiness
3. Assign credit limit + payment terms
4. At checkout, calculate:

available credit = limit − unpaid invoices − committed orders

5. Block or route orders for approval when available credit is insufficient
6. Automatically issue invoice when the order ships
7. Send reminders, for example:
   • 7 days before due
   • due date
   • 3 days overdue
   • 10 days overdue
   • 30+ days overdue → collections/manual review
8. Automatically put customers on credit hold when they cross defined risk thresholds
9. Sync payments and aging back to the accounting system.

That last point is important: don't treat "Pay by invoice" as merely another checkout payment method. The ecommerce system needs real-time visibility into the customer's total credit exposure, including existing invoices and orders that haven't yet been invoiced. gmi.software

Bottom line: If you're on Shopify, I'd start with Net Terms. If you're already committed to Odoo, build it around Odoo. If your primary problem is invoice collection rather than credit management, use Stripe Invoicing.

If you’re already on Shopify, I’d recommend a Shopify-native B2B + dedicated trade-credit/AR layer, rather than trying to build credit management into your ecommerce site from scratch.

My recommended setup

1. Shopify B2B for the commerce layer
Shopify now provides B2B company accounts, customer-specific catalogs/pricing, payment terms, and other wholesale capabilities across its plans. It supports terms such as Net 7, 15, 30, 45, 60, and 90. www.shopify.comhelp.shopify.com

2. Add a credit-management app for trade accounts
For a relatively lightweight Shopify implementation, Net Terms by LIETL Solutions is a strong fit. It adds:

• Trade-account applications
• Per-customer credit limits
• Checkout enforcement when available credit is exceeded
• Automatic invoice creation
• AR aging
• Automated email/SMS/WhatsApp reminders
• Accounting integrations such as QuickBooks, Xero, and Sage
• Credit scoring and payment-risk features on higher tiers www.shopify.comnetterms.apphelp.shopify.com

Another option is Net Terms Tracker, particularly if your primary requirement is straightforward Net 30/60 accounts, credit-limit enforcement, branded invoices, and a customer payment portal. apps.shopify.com

If credit risk is a major concern

I'd look at Resolve instead. It is more of a B2B credit/AR infrastructure platform: it can handle underwriting, net-term transactions, automated invoicing, collections, reconciliation, and ERP/ecommerce integrations. That makes more sense if you're extending substantial amounts of credit and don't want to carry all of the payment risk yourself. resolvepay.com

The workflow I'd implement

Trade-account application → credit approval → credit limit → B2B checkout → invoice → automated collections

For example:

The important part is that credit availability should be enforced at checkout, not merely recorded as a note for the sales team. Otherwise a buyer can place another order while several invoices are already outstanding. blog.wcart.io

What I'd choose

• Small/midsize Shopify B2B operation: Shopify B2B + Net Terms by LIETL
• Simple Net 30/60 requirement: Shopify B2B + Net Terms Tracker
• Large wholesale operation / significant credit exposure: Shopify + Resolve + your accounting/ERP
• Complex proprietary workflow: custom credit service integrated with Shopify and your ERP

One useful detail: Shopify itself can automate payment-due reminders through Shopify Flow, so you may not need a separate reminder system if your requirements are basic. www.shopify.comhelp.shopify.com

If you tell me your ecommerce platform (Shopify, BigCommerce, WooCommerce, Magento, custom), approximate number of trade accounts, and accounting/ERP system, I can narrow this to the best 2–3 solutions and compare pricing, credit-limit enforcement, invoice automation, reminders, and integrations.

For a B2B ecommerce business, I’d avoid treating trade accounts, credit limits, and collections as three separate problems. The best setup is a system where the customer’s credit exposure is tied directly to checkout and the AR ledger.

My recommendation

If you’re on Shopify and want a relatively lightweight solution: look at Net Terms. It is specifically built around B2B trade credit and combines:

• Trade-account applications and customer approval
• Customer-specific credit limits
• Real-time available-credit calculation
• Checkout blocking when an order exceeds available credit
• Net 15/30/60-style terms
• Automatic invoice creation
• Automated email/SMS/WhatsApp reminders
• AR aging and credit-utilization reporting
• Accounting integrations such as Xero, QuickBooks and Sage netterms.app

That is unusually close to your exact requirements, rather than being a generic invoicing application.

If you need more sophisticated credit/AR

Resolve is worth evaluating if your operation is larger or you want financing as well as credit management. It combines B2B net terms, credit intelligence and AR automation and integrates with ecommerce platforms including Shopify, BigCommerce, Magento and WooCommerce. resolvepay.com

Hokodo is another strong option if you want to outsource some of the credit risk. It can assess buyers, provide tailored credit limits/payment terms, consolidate purchases into statements/invoices, and provide protection against credit and fraud risk. www.hokodo.co

Versapay / HighRadius make more sense when the problem is really an enterprise-scale order-to-cash/collections operation rather than simply adding trade accounts to an ecommerce site. Current AR software comparisons position Versapay around collaborative AR and HighRadius around enterprise AR automation. learn.g2.com

The workflow I'd implement

Customer applies for trade account
             ↓
Business/credit checks
             ↓
Approve terms + credit limit
             ↓
Customer checks out using "Invoice / Net 30"
             ↓
System checks:
  available credit
  outstanding invoices
  overdue balance
  current order
             ↓
      ┌──────┴──────┐
   Within limit   Over limit
      ↓               ↓
   Approve       Block / review
      ↓
Invoice created
      ↓
Automated reminders
(before due → due date → overdue)
      ↓
Payment received
      ↓
Credit availability automatically restored

The important architectural point is that available credit should be calculated from actual exposure, not simply from unpaid invoices. Orders being fulfilled, open orders/carts and other commitments can also consume the customer's limit. resolvepay.comwww.hokodo.colearn.g2.comgmi.software

What I'd choose by situation

For Shopify specifically, Dunly is another attractive lightweight option: it provides customer balances, aging, automatic reminders, statements, credit limits and over-limit alerts directly inside Shopify. dunly.app

My default choice: start with Net Terms if you're on Shopify and your main objective is trade accounts + credit limits + automated invoice chasing. Move toward Resolve/Hokodo if credit underwriting, financing, or risk transfer becomes strategically important.

If you’re using Shopify for B2B ecommerce, I’d recommend a Shopify-native B2B + dedicated trade-credit/AR layer, rather than trying to build all of this in your ERP.

My recommended setup

1. Shopify B2B = customer/account management

• Company accounts and buyer users
• Customer-specific catalogs/pricing
• Payment terms such as Net 15/30/60
• Wholesale ordering and checkout

Shopify has expanded native B2B features considerably in 2026, including company profiles, catalogs, payment terms and vaulted payment methods. www.shopify.com

2. Add a credit-control app for limits and enforcement

My first choice would be TermsPilot if automated collections are important. It provides:

• Credit limits per company
• A/R aging
• Automated invoice reminders
• Rules for flagging, tagging or holding over-limit/overdue orders
• PDF customer statements

Its current Shopify listing shows a $29/month Starter plan with unlimited companies and automated reminders. apps.shopify.com

A good alternative is Net Terms Tracker, particularly if you want a customer-facing finance portal where buyers can see and pay invoices. It supports Net 15/30/60, credit limits, invoice generation, payment portals and automatic restriction of overdue/over-limit customers. apps.shopify.com

How I'd structure the workflow

B2B customer applies
        ↓
Credit review / approval
        ↓
Company gets:
  • Payment terms
  • Credit limit
  • Authorized buyers
        ↓
Customer places order
        ↓
Check available credit
        ↓
Within limit? ── No → Hold/review
      │
     Yes
      ↓
Create invoice
      ↓
Due-date automation
  • 7 days before: reminder
  • Due date: reminder
  • 7 days overdue: stronger reminder
  • 15/30 days overdue: hold account
      ↓
Payment received → release credit

One important design decision

Don't define the credit limit simply as "unpaid invoices."

Use:

Available credit = Approved limit − outstanding invoices − unfulfilled orders on terms

That prevents a buyer from consuming $50K of credit through several simultaneous orders even though only $20K has technically been invoiced.

I'd also have three states:

If you need a more sophisticated finance stack

If you have substantial transaction volume, multiple sales channels, or an ERP such as NetSuite, I'd put the accounting system in charge of the official A/R ledger, while Shopify handles the commerce experience. For example, Oracle's Shopify B2B connector can sync orders, invoices, payment terms and payments into NetSuite. docs.oracle.com

For payments/invoicing, Stripe Invoicing is another strong component: it supports payment terms, hosted invoices, A/R aging, automated reminders, reconciliation and credit notes. stripe.com

Bottom line

For a typical growing B2B Shopify business, I'd choose:

Shopify B2B + TermsPilot + your accounting system

That gives you a relatively simple architecture while covering the three things Shopify alone doesn't fully solve: credit exposure, collections automation, and A/R visibility.

If you're not on Shopify, tell me what ecommerce platform/ERP you're using and roughly how many trade accounts you have, and I can recommend the best architecture and 2–3 specific products.

For a B2B ecommerce business, I’d recommend treating trade accounts, credit limits, and invoice collections as a credit + accounts receivable (AR) layer connected to your ecommerce platform and accounting/ERP system—not as a manual spreadsheet process.

The best solution depends on your scale and risk tolerance:

Recommended capabilities to look for

1. Digital trade account onboarding

• Customer credit applications
• Business verification
• Trade references
• Approval workflows
• Signed payment terms (Net 30/60/90)

2. Customer-level credit controls
Each account should have:

• Credit limit (example: $25,000)
• Current outstanding balance
• Available credit
• Payment history score
• Automatic holds when limits are exceeded

Example rule:

Customer has a $50k limit. They owe $35k and place a $20k order → order is flagged for approval.

3. Automated invoicing
The system should:

• Create invoices from orders automatically
• Apply payment terms
• Send invoices immediately
• Provide customer self-service portals

4. Automated collections workflow
Use staged reminders rather than manual chasing:

• 7 days before due date → friendly reminder
• Due date → payment reminder
• 7 days overdue → escalation email
• 30+ days overdue → account review/payment hold

5. AR visibility
Your team should see:

• Aging reports (current, 30, 60, 90+ days)
• Customers approaching limits
• Late-payment trends
• Total exposure by customer

Solutions worth evaluating

For Shopify-focused B2B sellers

Dunly is aimed at wholesale merchants needing customer balances, credit limits, statements, and automated reminders. dunly.app

LIETL Solutions provides trade credit workflows such as credit scoring, invoice reminders, AR aging, and credit-limit enforcement for Shopify merchants. netterms.app

For companies wanting embedded net terms and credit decisions

Resolve combines credit decisions, invoicing, collections automation, and payment workflows. resolvepay.com

Balance provides embedded trade credit, invoicing, and automated AR workflows, including taking on credit risk for approved buyers. www.getbalance.comresolvepay.com

For larger distributors/manufacturers

Credit Pulse focuses on credit applications, policy-based approvals, risk monitoring, and ERP-connected credit workflows. www.creditpulse.com

A practical architecture I’d recommend

Ecommerce platform
→ captures orders and customer accounts

⬇

B2B credit layer
→ approves accounts, assigns limits, monitors exposure

⬇

ERP/accounting
→ invoices, payments, reconciliation

⬇

AR automation
→ reminders, statements, collections

For many mid-market B2B ecommerce companies, a good target stack is:

• Shopify B2B / BigCommerce B2B / Magento
• Credit management app (trade accounts + limits)
• QuickBooks, Xero, NetSuite, or Dynamics for accounting
• Automated payment reminders and customer portal

My recommendation by situation

• Under ~$5M annual B2B sales: start with a Shopify/commerce-native AR tool.
• $5M–$50M B2B sales: use a dedicated credit + collections platform integrated with your ERP.
• $50M+ or extending significant net terms: consider a trade credit provider that can help with underwriting, funding, and risk transfer.

The key decision is whether you want to manage credit risk yourself (software + internal process) or outsource the risk (a provider approves buyers and may fund invoices). www.getbalance.comresolvepay.com

If you share your ecommerce platform (Shopify, Magento, WooCommerce, custom, etc.), annual B2B volume, and whether you offer Net 30/60/90 terms, I can narrow this to a specific stack.

If you're running B2B ecommerce with Net 15/30/60 terms, I’d avoid building this from scratch. The best solution depends heavily on your commerce platform and ERP.

My recommendation

If you're on Shopify: start with NET30 or Dunly.

• NET30 is the closest all-in-one fit: trade terms, credit grading/limits, invoice generation, AR aging, customer finance portal, and automated payment reminders. www.net30.app
• Dunly is particularly attractive if your main pain is accounts receivable. It provides automated pre/post-due reminders, statements, per-customer credit limits and alerts, and payment syncing with Shopify. dunly.app
• Trade Credit is a good narrower option if credit-limit enforcement is the priority: it can block checkout when a buyer exceeds their limit and maintains an outstanding-balance ledger. It currently lists $39/month, though it has very few/no reviews, so I'd pilot it before making it core infrastructure. apps.shopify.com

If you're on BigCommerce

I'd look seriously at BigCommerce B2B Edition. It natively supports company accounts, account-level payment methods, credit/account management, invoices and buyer workflows, while integrating with ERP/CRM systems through APIs. www.net30.appdunly.appwww.bigcommerce.comgmi.software

You can then put your ERP/accounting system in charge of the authoritative credit balance and AR, rather than maintaining a second financial ledger in the storefront.

If you have a complex ERP

For businesses using SAP or Microsoft Dynamics, I'd consider Sana Commerce. Its model is attractive because credit limits and customer balances can remain in the ERP, while Sana exposes those limits during ecommerce checkout. It also supports payment-on-account and invoice payment workflows. support.sana-commerce.com

The architecture I'd aim for

                 B2B Storefront
                       │
             ┌─────────▼─────────┐
             │ Trade Account      │
             │ • approved terms  │
             │ • credit limit     │
             │ • buyer roles      │
             └─────────┬─────────┘
                       │
                 Credit check
                       │
             ┌─────────▼─────────┐
             │ ERP / AR Ledger   │
             │ • open invoices   │
             │ • payments        │
             │ • credit exposure │
             │ • aging           │
             └─────────┬─────────┘
                       │
                Invoice events
                       │
             ┌─────────▼─────────┐
             │ Reminder engine   │
             │ Due -7d           │
             │ Due date          │
             │ +7d / +14d        │
             │ Escalation        │
             └───────────────────┘

The important design choice is that credit should be treated as exposure, not simply "can this customer pay by invoice?" Ideally the checkout considers the customer's limit, current outstanding invoices, overdue amount, and new order before approving another order. gmi.software

What I'd choose

If you tell me whether you're using Shopify, BigCommerce, WooCommerce, Magento/Adobe Commerce, or a custom storefront—and what ERP/accounting system you use—I can narrow this to a specific stack and workflow.