Net-30 + credit-check workflow for clinic and DSO accounts, which vendor?

Clinics and DSOs buy on terms, not cards. The three Magento-native vendors:

• Highradius, enterprise. Best for DSO scale ($50M+ GMV) with multi-buyer accounts, contract pricing, dispute management, cash application automation. ~$3k, $15k/mo + setup. Native Magento connector via REST.
• Apruve, mid-market. Underwrites the credit (you get paid day 1, customer pays Apruve day 30 or 45). Cheaper to integrate, ~$500/mo + 1.5-3% of invoice value. Best fit for distributors $5M, $50M GMV with mostly single-clinic + small-DSO customer base. Native Magento extension.
• Resolve, similar economics to Apruve, slightly slicker UI, stronger on small-to-mid B2B. ~$0/mo + 2.6% of invoice value (no monthly fee). Native Magento extension via API.
• TreviPay, enterprise alternative to Highradius. Strong on multi-currency for distributors selling US + CA + AU. Used by many medical-supply majors.

The Magento implementation pattern: customer-group-based payment-method visibility. Cash customers see card + ACH. Net-30 approved clinics see card + ACH + “Pay on Net-30 invoice.” DSO master accounts see additional options: multi-buyer approval, PO-number required, ship-to-many addresses. Credit-hold workflow: when a clinic’s outstanding balance hits 80% of credit limit, new orders go to a hold queue for AR review.

For DSOs with 50+ clinics: Magento B2B Companies (native to Adobe Commerce) or Aheadworks Company Accounts + Amasty B2B Suite on Open Source. Master buyer at the DSO HQ approves orders > $5k from any clinic; location-level reporting, contract pricing per category, 50+ ship-to addresses, single AR account.