M2B Commerce by Metrotechs
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Finance controls

Payments, Terms, and Tax

Plan B2B payments, invoices, deposits, net terms, purchase orders, tax exemptions, credit controls, and checkout governance.

What it is

Payments, terms, and tax tools govern how business buyers pay, what terms they receive, which purchase order details are required, whether deposits apply, how tax exemptions are handled, and how finance teams reconcile transactions.

Evaluate this category by the workflow it supports in your business. A useful tool decision should name buyer behavior, internal handoffs, source-of-truth records, integration boundaries, and failure modes before implementation begins.

Technician working with a laptop at an industrial workstation
Finance controls

When you may need it

This category is worth evaluating when one of your real workflows is blocked, repeated, risky, or too manual for buyers and internal teams. Use the signs below as planning signals, not as automatic software-buying triggers.

  • Buyers need net terms, invoice billing, deposits, or manual payment methods.
  • Tax exemption and resale certificates must be handled by account or location.
  • Purchase order numbers, credit limits, and approval thresholds matter.
  • Finance needs ecommerce payments to reconcile with ERP and accounting records.

What it usually connects to

Manufacturer commerce tools rarely stand alone. Before you select a tool, your roadmap should identify which systems provide data, which systems receive data, and which team owns each handoff after launch.

  • Commerce checkout, draft orders, customer accounts, invoices, and payment gateways
  • ERP and accounting systems for terms, credit, taxes, invoices, and reconciliation
  • Tax engines, exemption certificate tools, payment processors, and fraud controls
  • CRM and customer service workflows for exceptions, collections, and approvals

Implementation Risks

The category is useful only if your operating risk is managed.

The most expensive mistakes usually appear at the boundary between your buyer experience and the systems that run the business. Name these risks before the first release is scoped.

  • Offering payment methods that do not match account terms or finance policy
  • Letting tax exemption and certificate data live only in manual side records
  • Failing to lock approved quote prices before checkout or invoice creation
  • Ignoring reconciliation between ecommerce, gateway, ERP, and accounting systems

Evaluation questions

Use these questions in vendor conversations, internal planning, and roadmap workshops. The goal is to expose fit, ownership, and support requirements before you commit to cost and timeline.

  • Which buyer accounts can pay by card, ACH, invoice, deposit, or net terms?
  • How are tax exemptions verified, stored, and applied?
  • When is a purchase order number required?
  • How are partial payments, credits, refunds, and invoice adjustments handled?
  • What finance review should happen before order release?

Vendor-Neutral Examples

Examples clarify the category, but they do not replace fit analysis.

Use the examples below to recognize the category in the market. They are not rankings, endorsements, or universal recommendations. Fit depends on your workflow, data, integration, operating capacity, and launch risk.

Commerce-native B2B payment terms and draft-order controls where supported
Stripe, PayPal, ACH, and card processors for online payment collection
Tax platforms for exemption certificates, tax calculation, and compliance workflows
ERP-native terms, credit limits, invoice, and reconciliation controls
Custom approval workflows for credit, deposit, freight, and order-release rules

Related learning guides

Quote-to-Order Workflows

Plan your quote-to-order workflows when configurable products, account pricing, approvals, freight review, and ERP handoff matter.

View resource

ERP-Connected Ecommerce

Understand how ecommerce should connect with ERP for customer, product, price, inventory, order, invoice, fulfillment, and status workflows.

View resource

Dealer Portal Requirements

Define dealer portal requirements around access, catalogs, pricing, quotes, inventory, order status, ERP handoff, and internal operations.

View resource

Related glossary terms

Payment Terms

Payment terms define when and how business buyers pay, including invoice terms, deposits, due dates, and account-level rules.

View resource

Tax Exemption

Tax exemption workflows manage buyer tax status, certificates, resale rules, account settings, and checkout tax treatment.

View resource

Purchase Order

A purchase order is the buyer document or identifier that authorizes a business purchase and often drives procurement workflows.

View resource

Account Pricing

Account pricing applies customer-specific prices, discounts, tiers, contracts, and terms to manufacturer ecommerce and portal workflows.

View resource

Source References

Public sources used for factual tool context.

These references are used to keep the page grounded in current platform and category language. M2B Commerce still evaluates fit through manufacturer workflow, data ownership, and operating risk.

Overview of B2B features on Shopify

Shopify

Customer tax IDs

Stripe

B2B for WooCommerce

WooCommerce

Assess payments, terms, and tax in your real workflow.

Use the assessment to map buyer payment methods, terms, tax exemption rules, finance approvals, and ERP reconciliation needs.

Request an M2B Assessment