Shopify Payments Expands Into B2B Net Terms, Threatening Resolve and Behalf

Shopify quietly pushed one of its most consequential B2B features into general availability this week: native net terms financing embedded directly inside Shopify Payments for merchants using the platform’s B2B checkout. The feature, confirmed by multiple Shopify agency partners and visible in the merchant admin as of June 18, allows wholesale buyers to select net-30 or net-60 payment terms at checkout — with Shopify underwriting the credit risk and paying the seller upfront, minus a 2.9% to 4.1% origination fee depending on term length.

The implications for the embedded B2B payments stack are significant. Startups like Resolve (backed by $60M in venture funding) and Behalf (now operating under the Tranch brand in North America) have spent years building exactly this workflow as a third-party integration layer on top of Shopify and WooCommerce. Shopify’s native move compresses their addressable market overnight.

What exactly is Shopify offering with native net terms?

The feature operates similarly to Shopify Capital but is specifically scoped to B2B buyers rather than the selling merchant. When a wholesale buyer completes an order through a Shopify B2B storefront, they see a net terms option alongside standard payment methods. Shopify runs a soft credit check using business identity data — EIN, Dun & Bradstreet pull, and order history — and approves or declines in under 90 seconds. Approved buyers get 30 or 60 days to pay; the merchant receives funds within two business days.

Credit limits appear to cap at $250,000 per buyer currently, according to merchants who have activated the beta. Shopify has not published official documentation on the ceiling, but agency sources indicate enterprise-level limits are in a separate pilot.

“This is the feature that every Shopify B2B merchant has been asking for since the B2B native checkout launched in 2024. The fact that it’s embedded — not a third-party app, not an iframe — changes the conversion math entirely for wholesale buyers.”

💡 Article Summary

Key Insights

1

What exactly is Shopify offering with native net terms?

2

How does this compare to what Resolve and Behalf currently offer?

3

Which merchant segments will feel the biggest impact first?

4

What does this mean for Shopify Plus agencies and their app stacks?

5

How is the broader B2B payments market reacting?

Source: Ecommerce Times

— Cody Wittick, Co-CEO, Kynship, a Shopify-focused growth agency

How does this compare to what Resolve and Behalf currently offer?

Resolve, founded in 2019 and backed by Initialized Capital among others, charges merchants between 2.5% and 5% per invoice depending on term length and buyer credit grade — a fee structure nearly identical to what Shopify is now offering natively. Resolve’s differentiation has historically been its credit decisioning depth: it underwrites buyers across a broader range of business types, including sole proprietors and international buyers, areas where Shopify’s current rollout appears limited to U.S.-registered businesses with verifiable EINs.

Behalf, which rebranded its U.S. operations under the Tranch name following a 2023 restructuring, competes on a similar fee model and has integrations across Shopify, BigCommerce, and Magento. Tranch’s chief commercial officer, David Haber, acknowledged the competitive pressure in a comment to Ecommerce Times:

“Shopify building natively is the validation of the entire category. The question isn’t whether net terms belong at checkout — it’s whether a single platform provider can serve the full credit spectrum that real wholesale commerce requires. Our data says they can’t, yet.”

— David Haber, Chief Commercial Officer, Tranch (formerly Behalf)

That skepticism is reasonable. Shopify’s credit underwriting is currently limited to U.S. businesses, which excludes the cross-border wholesale use case that has driven significant adoption of third-party net terms tools — particularly for merchants sourcing buyers in Canada, the UK, and the EU. Resolve has explicitly positioned its international buyer coverage as a moat.

Which merchant segments will feel the biggest impact first?

The merchants most immediately affected are mid-market Shopify B2B operators running $2M to $20M in annual wholesale GMV — the segment that has been most actively adopting Shopify’s native B2B checkout since its 2024 launch. These merchants typically have between 50 and 500 wholesale accounts and have been using Resolve, Behalf/Tranch, or a manual net terms process managed through their ERP.

• Apparel and accessories wholesalers running seasonal net-60 terms with boutique retailers are the clearest early adopters, several agency sources confirmed.
• Home goods and furniture brands with interior designer wholesale programs have been piloting the feature since early June, according to one Shopify Plus agency partner in Austin.
• Health and beauty brands with spa and salon wholesale accounts represent a third high-velocity segment, though compliance questions around product categories may slow uptake.
• Food and beverage brands selling to restaurants and hospitality buyers are reportedly the segment with the most friction, given the higher invoice frequency and lower average order values in that vertical.

For merchants already paying a Shopify Plus subscription at $2,300/month, the native net terms feature represents a meaningful reduction in total fintech stack cost, since eliminating a Resolve or Tranch integration typically saves between $800 and $3,500 per month in fees depending on wholesale GMV volume.

What does this mean for Shopify Plus agencies and their app stacks?

The ripple effect is already hitting Shopify Plus partner agencies that have built B2B implementation practices around Resolve or Behalf/Tranch integrations. Those integrations carry implementation fees ranging from $8,000 to $25,000 for mid-market merchants. If native net terms handles the core use case out of the box, that service line compresses — or shifts toward higher-complexity scenarios like ERP-synced credit limits and multi-entity wholesale accounts.

“We had three B2B projects in scoping where net terms was a primary workstream. Two of them are now pausing to evaluate whether Shopify’s native option covers their needs before we start building. That’s real revenue impact for agencies like us in Q3.”

— Kristen LaFrance, Partner & Commerce Strategist, Structured Agency

The agency dynamic mirrors what happened when Shopify launched native subscriptions via Shopify Subscriptions in 2023, which pressured Recharge Payments’ SMB tier significantly while leaving enterprise use cases largely intact. The pattern appears to be repeating: Shopify commoditizes the standard workflow, third-party vendors compete on depth and edge cases.

How is the broader B2B payments market reacting?

The announcement — or rather, the quiet rollout, since Shopify has not issued a formal press release as of publication — is generating significant discussion among B2B commerce operators and investors. The U.S. B2B payments market processed an estimated $27.8 trillion in transactions in 2025 according to AFP (Association for Financial Professionals) data, with net terms representing the dominant payment method for transactions above $10,000. Ecommerce’s share of that volume remains below 15%, which is precisely the white space Shopify is targeting.

Balance, another net terms fintech with Shopify and WooCommerce integrations, appears to be accelerating its enterprise roadmap in response. Balance raised a $56M Series B in 2023 and has differentiated on a developer-first API that allows more granular credit policy customization than Resolve or Behalf historically offered. CEO Bar Geron commented on LinkedIn this week that Balance is “doubling down on the infrastructure layer” — language that reads as a direct pivot away from competing with Shopify on the standard checkout experience.

• Resolve’s likely response: Lean into international buyer coverage and ERP-native credit limit sync, areas Shopify doesn’t address in the current build.
• Tranch/Behalf’s likely response: Accelerate integrations on BigCommerce and Adobe Commerce to capture merchants who are not on Shopify Plus.
• Balance’s likely response: Position as the API infrastructure layer for large enterprises building custom B2B portals outside Shopify’s native checkout.

What should Shopify B2B merchants do right now?

Merchants currently live on Shopify B2B checkout should audit their existing net terms workflow before committing to a renewal of any third-party fintech integration. The key evaluation criteria are: buyer geography (U.S.-only vs. international), average credit limit required per buyer, ERP integration requirements, and whether they need custom credit policies by buyer tier.

If the wholesale book is predominantly U.S.-based, average orders are under $100,000, and ERP sync is not a hard requirement, Shopify’s native net terms will likely cover 80% of the use case at a lower total cost. If any of those conditions fail, third-party vendors still hold meaningful advantages — for now.

The longer-term signal is harder to ignore: Shopify is systematically eliminating the third-party dependency surface in its B2B stack, just as it did in subscriptions, shipping, and tax calculation. For fintech vendors built on Shopify distribution, the window to build defensible enterprise moats is narrowing faster than most of them have publicly acknowledged.

Shopify did not respond to a request for comment by publication time.