Best Net Terms Management Tools for Wholesale (2026)
TLDR
Managing net terms at scale requires more than a spreadsheet of due dates. The best tools automate invoice generation, enforce credit limits, track aging receivables, and integrate with your accounting software. Some are standalone AR tools; others are B2B platforms with net terms built in.
OrderDock
B2B wholesale portal with native net terms, credit limits, and invoice automation included in the platform.
Pros
- ✓ Net terms built into the ordering workflow
- ✓ Credit limits enforced per account
- ✓ Invoice generated automatically on order confirmation
- ✓ $20/month, no per-transaction fees
Cons
- × AR features are part of the ordering platform, not standalone
- × Newer to market (2026)
Pricing: $20/mo Launch, $49/mo Scale, $99/mo Enterprise
Verdict: Best for manufacturers who want net terms integrated into their B2B ordering portal rather than as a separate tool.
Resolve
Net terms as a service. Resolve extends net terms to your buyers and handles collections, so you get paid upfront.
Pros
- ✓ You get paid immediately; Resolve collects from the buyer
- ✓ Risk assessment on each buyer
- ✓ Integrates with Shopify, BigCommerce, and custom platforms
Cons
- × Fees per transaction (percentage of invoice value)
- × Third-party controls the buyer payment experience
- × Not suitable for all buyer accounts
Pricing: Per-transaction fees (varies by buyer risk)
Verdict: Good for businesses that want to offload credit risk. Expensive as a permanent solution for established accounts.
Balance
B2B payment infrastructure that handles net terms, invoicing, and buyer credit at checkout.
Pros
- ✓ Drop-in net terms checkout for B2B
- ✓ Buyer credit assessment included
- ✓ Works with existing ecommerce platforms
Cons
- × Per-transaction fees add up on high-volume accounts
- × Another intermediary in the payment flow
- × Buyer relationship is mediated by Balance
Pricing: Per-transaction fees (not publicly listed)
Verdict: Works for adding net terms to platforms that lack them (Shopify, BigCommerce). Adds cost on every transaction.
Why Net Terms Need Software
A manufacturer with 50 dealer accounts on net-30 terms has 50 receivables aging at any given time. Tracking due dates, generating invoices, monitoring credit limits, and following up on overdue payments is a daily operation. A spreadsheet handles 10 accounts. It breaks at 50.
The Two Approaches
Built-in net terms: Your B2B ordering platform includes net terms as part of the checkout flow. The buyer places an order, receives an invoice with a due date, and pays within the terms. Everything stays in one system.
Add-on net terms: A third-party service bolts net terms onto a platform that lacks them. The service handles credit assessment, invoicing, and often collections. You get paid faster but pay a fee per transaction.
For manufacturers building a dedicated B2B ordering channel, built-in net terms are more cost-effective long-term. For businesses adding wholesale to an existing consumer platform, add-on services fill the gap.
OrderDock includes native net terms, credit limits, and invoice automation starting at $20/month with no per-transaction fees.
| Tool | Type | Net Terms | Pricing Model | Best For |
|---|---|---|---|---|
| OrderDock | B2B portal | Native | $20/mo flat | Manufacturers with own B2B portal |
| Resolve | Net terms service | Outsourced | Per-transaction fee | Businesses wanting to offload credit risk |
| Balance | Payment infrastructure | Drop-in | Per-transaction fee | Adding net terms to existing platforms |
Q&A
What is the best way to manage net terms for wholesale?
If you run a B2B ordering portal, use a platform with native net terms (like OrderDock) so the terms are part of the checkout flow. If you use a consumer ecommerce platform that lacks net terms, add-on services like Resolve or Balance bolt on net terms but add per-transaction fees.
Q&A
Should I outsource net terms to a service like Resolve?
Outsourcing makes sense for new buyer accounts where you want credit risk assessment. For established accounts with clean payment history, the per-transaction fee is margin lost on accounts you already trust. A hybrid approach (outsource for new accounts, manage in-house for established accounts) balances risk and cost.
Do I need a separate tool for net terms?
How do net terms services make money?
Keep reading
Net Terms Automation for Wholesale: How to Offer Net-30/60 Online
How to automate net-30 and net-60 payment terms in a B2B wholesale ordering portal. Covers credit limits, invoice generation, aging reports, and collections.
B2B Ecommerce Best Practices for Manufacturers and Distributors
Six proven practices for running a wholesale ordering operation online: self-serve ordering, net terms, customer-specific pricing, order accuracy, ERP integration, and mobile access.
OrderDock vs Shopify Plus for B2B Wholesale Ordering
Shopify Plus costs $2,300+/mo and bolts B2B onto a retail platform. OrderDock starts at $20/mo flat-rate, built for wholesale from day one.
Best B2B Ordering Platforms for Small Manufacturers (2026)
Ranking B2B ordering platforms for small manufacturers under 100 employees who need wholesale ordering without enterprise pricing.