What about credit limits and Net-30 payment terms?

Adobe Commerce B2B ships Payment on Account with built-in credit-limit enforcement:

• Each company gets a credit limit ($X) and current balance (running total of unpaid invoices).
• At checkout, the order total is checked against (credit limit − current balance). If over, the order is blocked or routed to an approver.
• Buyers see their account statement (open invoices, due dates, balance) in their dashboard.
• Net 30 / Net 60 / Net 90 terms are configurable per company.

For dunning + payment collection we integrate with Stripe Invoicing, Authorize.net Recurring, GoCardless, or your existing AR system. Auto-invoice + auto-statement generation runs nightly. We’ve also built custom workflows for lockbox + ACH + wire reconciliation against open invoices.