ChatGPT answers, unedited

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.