README

Net Terms

Net Terms is a Craft Commerce payment gateway that bills orders on net terms, tracks each buyer's balance, and applies recorded payments to invoices or orders.

Overview

Sell to business customers on terms through your normal checkout: open an account with payment terms and a limit (Net 30 on $10,000), or no limit when a customer only needs billing, and list Net Terms beside your other payment methods.
Control spending per person: give each buyer a sublimit (an office manager can have a balance of up to $2,000), set by your staff, or, with a site module, by the company's own admins from storefront templates you build.
Keep receivables in Craft: invoice each account with one line per buyer, or bill by the orders themselves, leaving each one unpaid under a label like "Pay via check/ACH" for the customer to pay later, online or by check.
Apply each check, ACH, wire or card payment the way the remittance says, split across the invoices or orders it covers.
Get paid without chasing: Net Terms emails each customer on the days you choose before an invoice or order is due and after it's overdue, from one daily console command.
Add net terms to the company setup you already have: link each company entry to its accounts with an Account (Net Terms) field, and sync its buyers from a site module.

How it works

You create an account, give it a title and a credit limit, and add the users who can buy on it. At checkout, Commerce shows the Net Terms gateway only to those buyers, and the gateway declines an order that is more than the buyer's available credit. The gateway's payment type in Commerce sets how you bill: on invoices the plugin issues, or by the orders themselves. Money you receive doesn't reopen a buyer's credit until you apply it to their invoice line or order, so you decide which balance a payment clears.

Requirements

Craft CMS ^5.10.0
Craft Commerce ^5.4.0
PHP ^8.2

Install

composer require fostercommerce/commerce-net-terms
./craft plugin/install net-terms

Documentation

Getting started, from install to a first invoice for an order charged to an account
Upgrading, from an earlier version
Accounts and buyers, credit limits, sublimits, and how available credit is worked out
Billing by order, leaving orders unpaid and recording payments against them
Payments, recording money received and applying it to invoices or orders
Storefront templates, showing an account and taking payment on your site

License

Proprietary

fostercommerce / commerce-net-terms

Package info

Security

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