B2B Payment Terms

Restrict invoice and purchase order payments to verified wholesale customers while ensuring retail customers use secure payment methods.

Business Scenario

Your B2B e-commerce store has:

• Wholesale customers: Verified businesses with credit terms
• Retail customers: Individual buyers paying immediately
• VIP customers: Premium businesses with extended payment terms

You need to:

• Allow invoice/PO payment only for verified wholesale customers
• Require immediate payment for retail customers
• Provide Net 30/60 terms for VIP customers
• Ensure orders over €5000 use secure payment methods

Solution Architecture

Profile 1: VIP Extended Terms

Priority: 10 Customer Groups: VIP Payment Methods: All + Net 30 + Net 60 Conditions: Subtotal >= 100

Logic: VIP customers get extended payment terms for any order over €100.

Profile 2: Wholesale Invoice

Priority: 20 Customer Groups: Wholesale, Corporate Payment Methods: Bank Transfer, Purchase Order, Invoice Conditions: Subtotal >= 500

Logic: Wholesale customers can use invoice payment for orders over €500.

Profile 3: High-Value Secure Payment

Priority: 5 Customer Groups: VIP, Wholesale, Corporate, General, NOT LOGGED IN Payment Methods: Bank Transfer, Credit Card (no COD) Conditions: Subtotal >= 5000

Logic: All high-value orders require secure payment methods.

Profile 4: Retail Standard

Priority: 100 Customer Groups: General, NOT LOGGED IN Payment Methods: Credit Card, PayPal, COD Conditions: None

Logic: Retail customers use standard immediate payment methods.

Implementation Steps

Step 1: Create VIP Profile

1. Navigate to Customers >Payment Profiles
2. Click Add New Profile
3. Fill in:
   • Name: VIP Extended Terms
   • Priority: 10
   • Website: Main Website
   • Customer Groups: VIP
   • Payment Methods:
     • Bank Transfer
     • Credit Card
     • PayPal
     • Purchase Order
     • Invoice
     • Net 30
     • Net 60
4. Add condition:

   Subtotal equals or greater than 100

5. Save profile

Step 2: Create Wholesale Profile

1. Click Add New Profile
2. Fill in:
   • Name: Wholesale Invoice Payment
   • Priority: 20
   • Website: Main Website
   • Customer Groups: Wholesale, Corporate
   • Payment Methods:
     • Bank Transfer
     • Purchase Order
     • Invoice
3. Add condition:

   Subtotal equals or greater than 500

4. Save profile

Step 3: Create High-Value Security Profile

1. Click Add New Profile
2. Fill in:
   • Name: High Value Secure Payment
   • Priority: 5
   • Website: Main Website
   • Customer Groups: VIP, Wholesale, Corporate, General, NOT LOGGED IN
   • Payment Methods:
     • Bank Transfer
     • Credit Card
     • ☐ Cash on Delivery (disabled for security)
3. Add condition:

   Subtotal equals or greater than 5000

4. Save profile

Step 4: Create Retail Profile

1. Click Add New Profile
2. Fill in:
   • Name: Retail Standard Payment
   • Priority: 100
   • Website: Main Website
   • Customer Groups: General, NOT LOGGED IN
   • Payment Methods:
     • Credit Card
     • PayPal
     • Cash on Delivery
3. No conditions needed
4. Save profile

Step 5: Clear Cache

php bin/magento cache:flush

Testing Scenarios

Test 1: VIP Customer, €150 Order

Expected: All methods + Net 30 + Net 60

1. Log in as VIP customer
2. Add products worth €150
3. Proceed to checkout
4. Result: Should see all payment methods including Net 30/60

Why: Priority 10 matches first (VIP group, >€100)

Test 2: Wholesale Customer, €600 Order

Expected: Bank Transfer, Purchase Order, Invoice

1. Log in as Wholesale customer
2. Add products worth €600
3. Proceed to checkout
4. Result: Should see only B2B payment methods

Why: Priority 20 matches (Wholesale group, >€500)

Test 3: Wholesale Customer, €6000 Order

Expected: Bank Transfer, Credit Card (no Invoice/PO)

1. Log in as Wholesale customer
2. Add products worth €6000
3. Proceed to checkout
4. Result: Should see only secure payment methods

Why: Priority 5 matches first (>€5000), so secure methods are enforced before wholesale profile rules.

Test 4: Retail Customer, €100 Order

Expected: Credit Card, PayPal, COD

1. Log in as General customer
2. Add products worth €100
3. Proceed to checkout
4. Result: Should see standard retail payment methods

Why: Priority 100 matches (General group)

Test 5: Guest Customer

Expected: Credit Card, PayPal, COD

1. Don't log in
2. Add products to cart
3. Proceed to checkout
4. Result: Should see standard payment methods

Why: Priority 100 matches (NOT LOGGED IN group)

Business Rules Matrix

Advanced Customizations

Add Regional Restrictions

Add DACH-only invoice payment:

Priority: 25 Customer Groups: Wholesale Payment Methods: Invoice Conditions: Subtotal >= 500 Shipping Country is one of: DE, AT, CH

Add Credit Limit Check

Integrate with credit limit module:

Priority: 15 Customer Groups: Wholesale Payment Methods: Invoice, Net 30 Conditions: Subtotal >= 500 Customer Attribute [credit_limit] >= Subtotal

Add Product Category Restrictions

Restrict invoice for digital products:

Priority: 18 Customer Groups: Wholesale Payment Methods: Bank Transfer, Credit Card (no Invoice) Conditions: Product Category is: Digital Products

Troubleshooting

Issue: Wholesale customers see retail payment methods

Cause: Wholesale profile not matching

Check:

1. Customer is in Wholesale group
2. Cart value is >= €500
3. Profile priority is correct (20)
4. Profile is enabled

Solution: Verify customer group assignment and cart value

Issue: VIP customers don't see Net 30/60

Cause: VIP profile not matching or payment methods not configured

Check:

1. Customer is in VIP group
2. Cart value is >= €100
3. Net 30/60 payment methods are enabled in Magento
4. Profile priority is 10 (highest)

Solution: Enable Net 30/60 payment methods in Stores > Configuration > Sales > Payment Methods

Issue: High-value orders still show COD

Cause: High-value profile not matching or lower priority

Check:

1. Profile priority is 30 (before retail profile)
2. Condition is >= €5000
3. COD is not selected in payment methods

Solution: Adjust priority or verify condition

ROI and Benefits

Risk Reduction

• Eliminate COD for high-value orders
• Verify customers before extending credit
• Reduce payment fraud

Customer Satisfaction

• VIP customers get flexible payment terms
• Wholesale customers get B2B payment options
• Retail customers get familiar payment methods

Operational Efficiency

• Automated payment method restrictions
• No manual verification needed
• Reduced payment processing errors

Next Steps

• Credit Limit Control
• Regional Payment Methods
• VIP Customer Benefits