In Brief
In B2B, the payment question is rarely asked in the right place. Payment collection itself is a solved problem: Shopify Payments does the job perfectly well as a payment provider, in B2B just as in B2C. What really makes the difference is the flexibility of your terms: selling at VAT-exclusive prices, offering catalogs and pricing by account type, applying volume-based tiered pricing, granting net 30, 45, or 60 payment terms, allowing partial payments. Good news: most of these terms are now native to Shopify B2B, on all plans. This page walks through B2B payment methods, from native options to bank transfer and deferred payment, and helps you choose the right method for each customer profile.
Table of Contents
Selling to businesses is not selling to consumers with a bigger cart. Payment expectations are different: VAT-exclusive prices, negotiated terms, volume-based pricing, proper invoicing. Choosing the right B2B payment solutions on Shopify starts with understanding where the real value lies. And it is not where people usually look for it.
In our experience, what makes the difference in B2B is not the payment provider but the flexibility of the terms: selling at VAT-exclusive prices, offering different catalogs and pricing by account type (small customer or key account), applying volume-based tiered pricing, granting net 30, 45, or 60 payment terms, allowing partial payments. For collection itself, Shopify Payments does the job perfectly well, in B2B as in B2C. The battle is won on terms, not on the PSP.
The real priority: flexible terms
Most merchants migrating to Shopify wonder which payment provider to choose. That is the wrong question. The provider, or PSP, processes the card: Shopify Payments does it just as well for a business buyer as for a consumer, at the best cost and without the extra fees of a third-party solution.
The real value in B2B lies in everything surrounding the transaction: the ability to display VAT-exclusive prices, to reserve a catalog for a specific customer type, to reward volume with tiered pricing, and above all to grant payment terms. It is this flexibility, not the choice of PSP, that turns a business prospect into a loyal customer. The rest of this page therefore starts with these terms before covering the payment methods themselves.
Shopify B2B's native payment terms
Since native B2B opened up to all plans in 2026, most of this flexibility is available without any app or custom development. Here is what Shopify handles natively.
| B2B term | Availability |
|---|---|
| VAT-exclusive prices and per-customer VAT exemption | Yes, with native B2B |
| Separate catalogs by account type | Up to 3 outside Plus (via Markets), unlimited on Plus |
| Volume-based tiered pricing (by quantity) | Yes |
| Payment terms (net 7 to net 90, e.g. 30, 45, 60) | Yes, now on all plans |
| Vaulted credit cards | Yes |
| Draft orders (quotes and payment links) | Yes |
| Partial payments and deposits | Shopify Plus only |
In other words, VAT-exclusive pricing, per-account catalogs, tiered pricing, and payment terms are all within reach without leaving Shopify. The details of order and pricing setup are covered in our guide to B2B order management.
Bank transfers for key accounts
Many business customers, especially key accounts, prefer to pay by bank transfer. Shopify supports this through draft orders: you create the order, send a quote or invoice with your bank details, then mark the order as paid once the transfer is received.
- No transaction fees, unlike card payments.
- Compatible with the purchase-order processes of large companies.
- Combined with payment terms, it covers virtually all key-account needs, without any third-party solution.
Deferred payment and financing: when to use them
Native payment terms are enough in most cases. One limitation remains: you carry the risk of non-payment. Fintechs offer to finance and guarantee those terms, paying you upfront while the customer pays later.
A word of caution: this market moves fast. Hokodo, long a reference in B2B deferred payment, ceased operations at the end of 2025. French players like Defacto and Karmen now offer financing backed by orders or invoices, but their offerings evolve: always verify the terms at the time you choose. Our advice: treat these solutions as a complement to secure your cash flow on large outstanding balances, never as the foundation of your B2B payments. The foundation is the native terms.
Multi-currency for international sales
If you sell to businesses outside France, multi-currency management becomes a real conversion lever. Through Shopify Markets, you display prices and collect payment in each customer's local currency, with pricing tailored to each market. The business buyer sees a price in their own currency, with no mental conversion and no unpleasant surprise at checkout, which reduces friction on international orders.
Which method for which customer profile?
There is no universal payment method, only a profile-based logic. Here is the recommendation we apply based on customer type and average order value.
| Customer profile | Recommended method |
|---|---|
| Small recurring account | Card via Shopify Payments, vaulted card for reorders |
| High-volume key account | Payment terms (net 30 to 60) and bank transfer, via draft order |
| New, still-unknown customer | Upfront card payment before extending payment terms |
| International customer | Multi-currency via Markets, card payment |
This framework protects your cash flow while offering the flexibility each customer type expects. Transaction security obviously remains essential: we cover it in our guide to PCI DSS compliance. And if you want this entire configuration set up properly, that is exactly what our e-commerce services cover, as part of our broader guide to B2B on Shopify.