How do I add ACH / Net-30 to Magento for my B2B buyers?

For ACH payments, we integrate Stripe ACH, Authorize.net eCheck, or Plaid + Dwolla, depending on your volume and risk tolerance. Stripe ACH is easiest (3-day clearing, $0.80 cap fee), but holds funds until clear. For Net-30 / Net-60, we build a customer-segment-based payment method (only B2B-approved customers see it), with a credit-limit field on the customer record (synced from Equifax or Dun & Bradstreet via API), automated invoice generation, and a dunning workflow for overdue accounts. Adobe Commerce + B2B module includes most of this out of the box; on Open Source we build it custom.