> For the complete documentation index, see [llms.txt](https://orbit-b2b.gitbook.io/orbit-b2b-docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://orbit-b2b.gitbook.io/orbit-b2b-docs/draft-orders/payment-terms.md).

# Payment terms

Payment terms decide how the customer pays a confirmed order: **Due on receipt** (pay now) or **Net 15 / 30 / 45 / 60 / 90** (pay later). They use Shopify's built-in payment terms — you don't create them, and you don't need Shopify Plus.

## The cascade — how a term is chosen

For each order the term is resolved in this order (first match wins):

1. **Merchant override** — whatever you pick on the order at confirm time.
2. **Customer Group default** — the group's *B2B payment term* (e.g. Gold = Net 60).
3. **Shop default** — the *Shop default payment term* in Draft Orders → Settings.
4. **Due on receipt** — if none of the above is set.

The term is pre-resolved when the buyer submits, so the pending order already shows the right default — you can still override before confirming.

### Example

> Shop default = **Net 30**. The **Gold** customer group's B2B payment term = **Net 60**.
>
> * A customer in the Gold group submits → order defaults to **Net 60** (group beats shop default).
> * A B2B customer in **no group** submits → defaults to **Net 30** (shop default).
> * On any order you can change the term before clicking **Confirm & send payment link**.

## Set a group's payment term

Go to **Customers → Customer Groups → open a group → B2B payment term**, pick the term, and it saves immediately. This becomes the default for that group's buyers.

## Set the shop default

**Orders → Draft Orders → Settings → Shop default payment term.** Applies to buyers who aren't in any group.

## What the customer gets

| Term               | Customer experience                                                              |
| ------------------ | -------------------------------------------------------------------------------- |
| **Due on receipt** | Shopify pay-now checkout link — pays immediately                                 |
| **Net X**          | Shopify invoice with a due date — pays later; you mark it paid when funds arrive |

## Next steps

* [Confirm and send the payment link](/orbit-b2b-docs/draft-orders/confirm-flow.md)
* [Auto-create on submit](/orbit-b2b-docs/draft-orders/auto-confirm.md)