Shopify B2B deposits — net terms on every plan, deposits still on Plus

Where the Plus line falls

For years the safe assumption was that anything with B2B in the name meant Shopify Plus. That assumption expired on April 2, 2026, when Shopify announced B2B for all plans — in its own words, “native features including company profiles for wholesale buyers, up to three custom catalogs with tailored pricing, volume discounts and quantity rules, vaulted credit cards, and payment terms” came to Basic, Grow and Advanced at no extra cost. The help centre now states it flatly: “Shopify B2B is available on all plans.”

B2B stopped being a Plus feature in April 2026. Deposits didn’t. The same announcement names what stayed behind the paywall: “unlimited catalogs for customer-specific pricing, direct catalog assignment to companies and locations, partial payments, and deposits.”

The pattern in that table decides the rest of this page. Everything about structuring a wholesale relationship — who the company is, what prices they see, when they eventually pay — is now on every plan. Everything about capturing money early is not. If your wholesale workflow needs cash at order time, you have hit the exact edge Shopify kept for Plus.

This is the B2B corner of a bigger map. For the rest of the Plus line on deposits — storefront selling plans, draft orders, POS — Shopify deposits without Shopify Plus walks those gates one by one. The wholesale gate is this page.

Net terms and deposits solve opposite problems

Net terms first, because they are the thing standard plans genuinely get. Shopify’s B2B payment terms come in six net lengths — “net 7, net 15, net 30, net 45, net 60, and net 90” — alongside due-on-receipt and due-on-fulfillment templates and, for individual draft orders only, a fixed calendar date “in either the past or future”. The default is none of these: “Payment is due immediately. This is the default setting.”

What net terms do at checkout is the part most wholesale comparisons skate past: nothing is captured. The buyer places the order, the order exists, the goods are yours to produce and ship, and the money is a due date. Buyers can settle early — in Shopify’s words, “During the payment term period, B2B customers can log in to customer accounts, select an order, and pay for it by clicking Pay now” — but nothing obliges them to until the term runs out.

Net terms delay the money. A deposit collects some of it.

A deposit is the opposite instrument. On Plus, “B2B customers need to pay the deposit amount when they place an order at checkout. Deposits can be paid with a credit card or manual payment method.” Part of the price arrives when the commitment is made, not when the term expires.

Under the hood the two are one mechanism with a dial, and Shopify’s API says so more plainly than its marketing does. On a draft order, the amount due now “is the value of the deposit (0 by default)” when payment terms exist, and the full total when they don’t; the amount due later is the total minus the deposit. Read that twice: net terms are a deposit of zero. The Plus feature is the ability to turn the dial off zero.

What the dial is worth in cash: on a $10,000 production run at net 60, the full $10,000 arrives up to two months after the order — every cost of producing the run is yours in the meantime. The same run with a 30% deposit puts $3,000 in hand before you commit materials, with $7,000 riding on the terms. Thirty percent is a convention merchants use, not a Shopify setting or a measured benchmark — the reasoning for sizing a split is the same as retail, and it is worked through on how to take a 50% deposit on Shopify.

What the Plus-only deposit actually does

The Plus deposit lives in two places: as a deposit requirement on a company location’s payment terms, and on individual draft orders. The company-level requirement is marked Plus-only in Shopify’s plan table; the draft-order one is gated on the draft-orders page, which is explicit: “Deposit requirements for draft orders are available only on the Shopify Plus plan.”

On a draft order, the number is a percentage of the subtotal, not the total. Shopify’s words: “the deposit is a percentage of the order subtotal only—it doesn’t include taxes or shipping. For example, if the deposit is 50%, then the customer pays half of the subtotal now.” That sentence is on the draft-orders page and describes the draft-order deposit. Shopify does not spell out the same arithmetic for the company-location requirement, so treat the two as documented separately rather than assuming they match. On a heavy-freight or high-tax order the draft-order deposit is smaller than the headline percentage suggests — worth checking against what you actually need covered before production starts.

The caveat nobody mentions

A deposit requirement and an order-review requirement do not stack the way you would expect. In Shopify’s words: “If a company location is set to submit orders for review and has a deposit requirement, then your customers are presented with the deposit amount at checkout, but it’s not captured immediately. The order is submitted as a draft order for you to review.” So review plus deposit means no money moves at checkout. What happens to that deposit after your review is not spelled out on the page — test the sequence on your own store before you build a cash-flow assumption on it.

And the deposit is the start of the job, not the end of it: as we set out on taking a deposit on a Shopify custom order, the B2B deposit saves the card on Shopify Payments — but Shopify does not charge the balance automatically, and a deposit paid by manual payment method saves nothing to charge at all. Collecting the rest is on you.

Wholesale deposits on a standard plan

Three real options. Cheapest first, and the first two are free.

1. Net terms through draft orders — free, on every plan

If what you actually need is “ship now, pay in 30 days”, you do not need a deposit and you do not need Plus. Draft orders take payment terms on any plan — “Payment terms let you set the date that payment is due on an order” — and once a B2B customer and company location are assigned, “the prices, payment terms, and checkout options automatically reflect the settings for that company”. For a developer, the same surface is in the Admin API on every plan: DraftOrderInput takes a paymentTerms field, and the templates behind it — net terms, due on receipt, due on fulfillment, fixed — come from the paymentTermsTemplates query. Nothing here captures a dollar at order time. This is the terms side of the line, done properly.

2. The manual deposit: two draft orders — free, and you chase it

On a standard plan the deposit itself has to be hand-built: a draft order for the deposit amount, invoiced and paid, then a second invoice for the balance when the goods ship. It works on any plan and any gateway, and it costs what manual always costs — two orders in your reporting, and a balance you chase yourself. The full workflow, and what it does to your books, is on taking a deposit on a Shopify draft order; the version ranked against every other method is on custom order deposits.

One trap if you build against the API: the DraftOrder object does expose a deposit field — “the portion required to be paid at checkout” — and it is in the Admin API reference for every store. The feature it drives is the one the help centre gates to Plus. Treat the field as Plus territory rather than a loophole; the API surface existing does not make the feature yours.

3. A deposit at ordinary checkout — an app, without Plus

If some of your trade buyers order through your normal storefront rather than through company accounts — a tagged wholesale customer list, a password-protected collection, a separate wholesale storefront — then the deposit question stops being a B2B-suite question at all. On the Online Store channel, a deposit at checkout is a selling plan; it works on standard plans, and the balance can be charged automatically to the card Shopify saves. That whole mechanism, gateway requirements and Plus line included, is mapped on deposits without Shopify Plus.

The trade-off should be said plainly: for those orders you are choosing the storefront workflow instead of the company-account workflow. Which one fits is a judgement about how your buyers actually order — not a feature checklist.

Which one is yours

A judgement call, not a rule — nothing below is a Shopify setting or a measured result. It is the reasoning I would use, laid out so you can disagree with it.

1. An established account you would extend credit to anywayNet terms, on any plan. That is what they are for, and since April 2026 they come with your plan.
2. A new wholesale account with no historyA deposit is the honest tool. On a standard plan that means the manual draft-order invoice — or leaving the default term in place, which is payment due immediately.
3. Made-to-order production, where your cost lands before their paymentA deposit, sized to what a cancellation would cost you. On Plus, native; on a standard plan, manual or through the storefront.
4. Trade buyers who already order through your storefrontA deposit app on the Online Store channel. No Plus required, and the balance collects itself.
5. You are on PlusUse what you paid for: a deposit requirement on the company location, or on the draft order — where Shopify documents the figure as a percentage of the subtotal.

If that last case is yours — trade buyers who already order through your storefront — this is the part where I tell you what I build. DepositDesk is a $29-a-month flat-rate deposits app for standard Shopify plans, with a 14-day free trial, no per-transaction fee, no revenue share and no cap on order value. Percentage or fixed deposits, with the balance due a set number of days after checkout, on a date, or when you fulfill the order — charged automatically to the card Shopify saved, with retries after 1, 3 and 7 days and a customer email each time a charge fails.

Its real limits, since the whole point of this page is where the lines fall: Online Store channel only — not POS, not B2B, not draft orders. If your buyers check out through company accounts, DepositDesk cannot take their deposit — that is exactly the Plus feature this page is about, and pretending otherwise would make this a worse page. It needs an Online Store 2.0 theme, because the deposit option is a theme app block you add in the theme editor. It needs one of the four vaulting-capable gateways — Shopify Payments, PayPal Express, Stripe, or Adyen. And it is one deposit plus one later balance, not an instalment plan.

Related: deposits without Shopify Plus maps the storefront and admin Plus gates, draft order deposits covers the manual wholesale workflow step by step, and custom order deposits ranks all four ways to take a deposit by what they cost.

Questions merchants actually ask

Sources for this page: Shopify’s help-centre pages on B2B plan features, B2B payment terms and B2B draft orders, its “B2B for all” announcement of April 2, 2026, and its Admin GraphQL API reference (2026-07) for PaymentTerms, DraftOrder and paymentTermsTemplates. Where Shopify publishes nothing — conversion rates for deposits against net terms, for instance — this page says so instead of estimating. If you find something here that is wrong, I would rather hear it: support@depositdesk.app.