Offer Exclusive Payment Methods for B2B Buyers on Shopify — Quick Guide

When you’re selling to other businesses, they don’t want to use Apple Pay. They want a clean way to pay by invoice, a bank transfer, or a purchase order. The good news is, you can set this up on Shopify so that only your approved B2B buyers see those options. It keeps your B2C checkout simple for retail customers and your B2B checkout professional for your business clients.

Below is a simple guide to offer exclusive payment methods for B2B buyers on Shopify, which covers both paths:

• With Shopify Plus / B2B on Shopify 
• Without Plus (works on any Shopify plan)

What “exclusive payment methods for B2B buyers” means

Your B2B buyers generally purchase orders in bulk from you. That means, you are making more per transaction, and hence you have to offer payment methods that add convenience for them to purchase in large volumes. 

In short, you are letting your approved business buyers see and use methods like Net Payment Terms, bank transfer/ACH, wire, or PO, while retail shoppers continue to see card payment options and wallets. 

Option 1 – If you have Shopify Plus (B2B on Shopify)

This is the cleanest experience because B2B is built in with the Shopify Plus Plan. (However, Shopify Plus is an expensive upgrade for most of the small and medium-sized stores).

1) Turn on payment terms for companies

In Customers → Companies, open a company location and set Net 15/30/60, Due on fulfillment, or a custom due date. Buyers will see those terms at checkout and on their orders. You can also require a deposit and set terms when creating draft orders. (B2B on Shopify is available on Plus.) 

2) Show or hide methods at checkout (Payment Customizations)

Use Payment Customizations (Shopify Functions) to hide, rename, or reorder payment methods based on rules—like “If customer is a Company, show Pay by Invoice only” or “Hide wallets for B2B.” This keeps consumer wallets for DTC, and Net terms for B2B. 

3) Send invoices when you need them

For POs or offline approvals, create a draft order and click Send invoice. The buyer receives a secure checkout link to pay, or you can apply their Net terms so the order is created immediately with a due date. 

Option 2 – If you don’t have Plus (works on any plan)

You can still setup exclusive payment methods for B2B buyers on Shopify without having to pay $2,000+ per month for the Shopify Plus plan. 

1) Gate B2B access

Approve wholesale accounts, tag them (e.g., wholesale-approved), and keep B2B prices/pages hidden from the public. Use Wholesale Helper’s Wholesale Lock Manager B2B app that is present on the Shopify App Store. 

2) Add manual payment methods for B2B

In Settings → Payments → Manual payment methods, create options like Bank transfer (ACH), Wire, or Purchase Order, and write clear instructions (account number, remittance email, PO steps). These instructions appear on the order confirmation so buyers know exactly how to pay. 

Tip: name them clearly (e.g., “Bank Transfer — B2B Accounts Only”). If you want them to be truly exclusive, pair this with a checkout control (see next step) or direct them to invoice links instead.

3) Use invoices for approved buyers

Create a draft order → Send invoice. The email contains a secure pay link. This avoids exposing manual options to retail buyers and keeps your finance flow tidy.

4) Offer Net terms and automate collections

Use Wholesale Pricing Discount B2B App to set up and offer Net Payment Terms like Net 15/30/45, set credit limits, send invoices with pay-now links, and automate reminders and statements using AReceivables App. This gives you a practical terms workflow even without Plus. You can also customise your Net Payment Terms checkouts with various options like the Net Terms Button, Net Terms checkout popup, Net Terms options, fields in checkout form, after checkout page, order settings (draft, approved, paid), email notifications, shipping fees, and more. 

Quick Look at the Setup for Exclusive Payment Methods for B2B Buyers

Clear Storefront Messaging for Exclusive Payment Methods for B2B Buyers

• On your Wholesale page: “Approved B2B accounts can pay by Invoice (Net 30) or Bank Transfer. Retail customers can pay by card and wallets.”
• In cart for logged-in B2B: “You’re set up for Net 30. Prefer ACH? Choose Bank Transfer at checkout.”
• On order confirmation for manual payments: include bank details, required reference, and the remittance email.

Practical Workflows for Exclusive Payment Methods for B2B Buyers

Workflow A — Net terms on Plus

1. Tag a customer as a Company and set Net 30 on their location.
2. The buyer checks out; the order is created with payment due on the term date.
3. Your team ships; finance tracks balances in Shopify and sends reminders as needed. 

Workflow B — Invoice + ACH (any plan)

1. Sales builds a draft order.
2. Click Send invoice (buyer receives a secure payment link).
3. Buyer pays by ACH/wire; you mark the order paid and fulfill.

Workflow C — Hide wallets for B2B (Plus)

1. Create a Payment Customization that detects Company buyers.
2. Hide Shop Pay/Apple Pay/Google Pay; rename/reorder to put Pay by Invoice first.
3. Test with a company login and a retail login. 

Testing Checklist for Exclusive Payment Methods for B2B Buyers

• Log in as a retail customer → confirm retail payment methods.
• Log in as a B2B customer → confirm B2B methods or Net terms appear as intended.
• Place a draft order and send an invoice; open the link and complete payment.
• For Plus: switch companies and verify Payment Customizations correctly hide/show methods. 
• Confirm that the invoice currency and tax treatment are correct for your test region.

Final Summary on Exclusive Payment Methods for B2B Buyers

To offer exclusive payment methods for B2B buyers, decide who qualifies, then give them only the options they actually use—Net terms, invoice, bank transfer, PO—while keeping retail checkout fast with cards and wallets.

• On Plus, set B2B payment terms on company profiles and use Payment Customizations to hide or reorder checkout methods.
• On any plan, rely on draft-order invoices, manual payment methods with clear instructions, and use Wholesale Pricing Discount B2B and AReceivables for net payment terms setup and reminders.

Frequently Asked Questions around Exclusive Payment Methods for B2B Buyers