Credit-First B2B Checkout (Checkout & Payments)

The native payment methods6

Each has its own approval flow, and that difference is what separates a B2B checkout from an adapted retail one. They can be combined in a single order, and what is offered is filtered by the profile and financial status of whoever is buying.

Credit limit

Approved by credit validation rather than by a gateway. It is the dominant B2B payment method, and its absence is the most common reason a buyer goes back to the sales rep.

Bank slip

Approved after bank clearing. The order waits for the buyer's payment cycle without anyone having to track reconciliation by hand.

Instant transfer

Instant approval. It is usually the method that remains when a customer has an outstanding balance, which is why it is never the only door.

Credit card

Automatic gateway approval, with fraud screening in the gateway layer. Card data never passes through the platform.

Barter

In agribusiness, grain settles the order after physical and tax validation of delivery. The balance is managed per customer, like a current account in grain.

In-store

Manual confirmation by the counter operator. The order starts digital and closes in person, without becoming two orders in two systems.

The levels of split, which are different things3

The market uses one word for three mechanisms that behave differently. Conflating them is what makes a checkout look sufficient in a demo and fail in production.

Cart split

Items in one order ship from different sellers or warehouses and generate independent invoices, each with its own tax document and tracking. A delay in one does not block the others.

Split delivery

One order is delivered in parts, to different addresses or dates, with freight, tax and approval thresholds calculated per fraction.

Combined payment methods

One order paid with more than one method at once. Each method is processed on its own, and final approval only lands once all of them confirm.

When the sale does not end on screen3

Pickup and counter

The buyer builds the order digitally and completes it in the shop, with payment confirmation in the hands of the in-person operator.

Quote that becomes an in-person sale

The quote built during remote service is the same one that closes at the counter, with the pricing and governance that already applied.

Saved carts

They work as an instant quote, with correct pricing, verified stock and governance applied, and can be sent as a link for the buyer to complete on their own.

Credit and payment terms under rules8

What separates a checkout that accepts terms from a checkout that governs B2B customer credit.

Credit limit as a current account

The limit is the customer's current account, with balance and statement, granted in the admin panel or kept in sync by the ERP through integration. It can apply per store or across the whole headquarters: the customer uses it at any branch, and each store receives its own debit to reconcile.

Insufficient credit, decided by rule

An order with enough balance is approved automatically. Without it, the store chooses by rule whether the order is blocked, held pending approval or completed as paid.

Layered payment terms

Payment, type, term and due date are set up in layers, with value bands, interest or discount, average term and an ERP integration code. Each term accepts allowed and blocked customer groups, for example to stop delinquent accounts or give a group longer terms, and forbidden combinations with other terms.

Credit combined with other methods

The credit limit can be combined with card or bank slip, with the option of using up the whole limit first. When paying at the counter, the customer splits the amount across several methods and terms, each with its own interest or discount band.

Payment date that recalculates the price

The chosen payment date recalculates the price, with an early-payment discount or late-payment interest. Payment days can be blocked, such as month-end and holidays, and the calendar can be hidden, read-only or editable for customer and sales rep.

Receivables calculator

The sales rep enters the amounts and dates of checks or receivables, the platform calculates the average term and picks the payment term whose day range matches.

ERP tax before closing

Each item's tax can be calculated by the customer's ERP before the order closes, using the same integration as the final close, and the simulation comes out as a PDF to serve as a quote.

Several suppliers, one cart

The parent order controls the aggregated cart, and each supplier configures its own payments independently, within the general criteria set by the portal owner. The amount is split per store, following the contract between marketplace and store, with special commission by SKU or category.

APIs for this module

What this module does in the panel can also be done by your system. These are its groups in the public API reference.

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