Net-30 + collections for corporate accounts, HighRadius, Apruve, Resolve?

Net-30 is the baseline for B2B office supplies. Roughly 80% of contract-buyer orders are PO-billed on Net-30 (some Net-45, some Net-60 for federal). The collections side, underwriting the credit + chasing payment, is what separates dealers who scale from dealers who eat unpaid invoices.

Three integration patterns:

• Apruve, underwrites the credit at order placement (90-second decision via their API), pays you on day 1, customer pays Apruve on day 30. ~2.0-3.0% per transaction. Best for dealers under $20M GMV who don’t want to run collections in-house. Native Magento integration exists.
• Resolve, similar to Apruve but with a self-service buyer portal and longer terms (up to Net-90). ~2.5-3.5%. Better for dealers with sticky enterprise customers.
• HighRadius, enterprise-grade AR automation. Doesn’t underwrite; instead automates your in-house collections (dunning workflows, dispute management, cash application). $30k+/yr. Worth it only above $50M GMV with a dedicated AR team.
• TreviPay, trade-credit platform, popular in fuel + MRO + office. Similar to Apruve but with deeper buyer-portal + multi-currency support. ~2.5-3.5%.

The Magento integration shape: at checkout, customer in a Net-30-eligible customer group sees “Pay on Net-30 terms” alongside card / ACH. On selection, Magento calls the credit-underwriter API with the order details; instant approval (95% of cases) flips the order to authorized; instant decline routes the customer to card / ACH. Order ships normally. Invoice generates automatically with Net-30 terms; collections happens via the underwriter’s workflow.