On account payments allow customers to place orders without paying immediately, settling invoices later according to agreed payment terms. This approach is especially common in B2B e-commerce, where ongoing relationships and credit agreements play a key role. Sana Commerce Cloud provides two different types of on account payments, giving businesses flexibility in how they manage and control this process.

On Account Payments for B2B Customers

In Sana Admin click: Setup > Ordering > Payment. In the Payment settings for B2B field, see the payment type Full amount paid on account.

This payment type is available exclusively to B2B customers and sales agents. When selected, no online payments are available. All orders are paid on account, and payments are settled later according to the agreements between a merchant and a customer.

Using the on account payment type, B2B customers do not select any payment method. When B2B customers buy something on account, it is charged to their credit account, and the merchant will invoice customers for it later. How B2B customers pay for bills depends on the agreements they have with a merchant. These can be offline payments outside of your online checkout, such as check, bank transfer, or even cash.

Using the on account payment type, you can also disable direct online payments for sales orders during checkout and allow your B2B customers to pay their outstanding invoices online with a credit or debit card through a payment service provider.

What Is the "Internal (On Account)" Payment Method?

The Internal (on account) payment method in Sana Commerce Cloud is a system payment method that is separate from the standard on account payment type available to B2B customers and sales agents.

This payment method can be used as a flexible option when you need to simulate or support payment scenarios without relying on an external payment provider. For example, it can be used to offer an additional payment option during checkout, or to support specific business cases such as allowing B2B customers to choose between paying online and placing orders on account. In such cases, the Internal (on account) method can be configured alongside other online payment methods and presented to customers during checkout.

You can create and configure this payment method, including payment costs, just like any other payment method. The key difference is that it is not connected to any external payment gateway, even though it appears as a selectable option for customers in the checkout.

If online payments are enabled for B2B customers, this payment method can also be made available to them.

In B2X scenarios, where both B2B and B2C customers use the same webstore, it is recommended to restrict its visibility for B2C customers using customer segments.

Additionally, the Internal (on account) payment method can be useful for testing purposes, for example, to simulate online payments or validate the checkout flow when no payment provider is configured.