Net 30 on Square: let wholesale buyers order online and pay later

What Square offers today

Square charges its normal invoice rates when the buyer pays. ACH bank transfer on an invoice is 1% with a $1 minimum. Square Free has no cap on that fee; Square Plus ($49 a month per location) and Premium ($149) cap it at $10. Card rates depend on your plan (Square pricing, read November 11, 2026).

The workarounds, and where each breaks

Net 30 with Crate on your Square catalog

Crate is a wholesale ordering portal that connects to Square. Your Square items and your Square Online store stay as they are. Wholesale buyers sign in to Crate, see your catalog and their prices, and order on their own terms.

• 01Terms per buyer. Prepaid, due on receipt, COD, or Net 7 to Net 90, set on each customer, with a default for new buyers.
• 02No card on terms. Buyers on terms place the order without paying. Prepaid buyers pay by card at checkout if you turn that on, or by a pay link when you confirm.
• 03You confirm first. Orders arrive as pending. You check stock, change quantities if needed and confirm; the invoice is dated from that moment with the due date from the buyer's terms.
• 04Invoice where you already do. Send it as a Square invoice that the buyer pays by card or ACH, as a QuickBooks Online invoice, or as a Crate invoice with a pay link for card or ACH. Square and Crate invoice payments update the order in Crate.
• 05Buyers see what they owe. Each order in the buyer's portal shows the due date, the balance, an overdue badge, the invoice PDF and a pay button.
• 06Overdue follow-up. Filter your orders by how overdue they are, and turn on automatic reminders on a Polite, Standard or Aggressive schedule. Record checks, cash or wire payments by hand, including part payments.
• 07Earn terms. Start new buyers on prepaid and move them to Net 30 automatically after a number of paid orders, if you turn that on.
• 08PO numbers. Buyers on terms can add a PO number at checkout. It is saved with the order notes you see on the order.
• 09Same Square items. Confirmed orders can be sent into Square as open orders on the same items, so wholesale sits next to retail in Square.

What a large ACH invoice costs. Wholesale orders are big, and buyers on terms often pay by bank transfer. On Square Free the ACH fee on an invoice keeps growing with the order. A Crate invoice paid by ACH costs at most $10 per order: Stripe's 0.8% capped at $5 (Stripe pricing) plus Crate's published 0.5% capped at $5.

So a Crate invoice saves on ACH only for orders over $1,000 from sellers on Square Free. Below that, or on Square Plus or Premium, Square's fee is the same or lower, and Crate can still send the invoice through Square.

Where it may still fit: If you have a handful of local accounts who order by text and pay monthly, a Square invoice with a due date, or a House Account for buyers who come in, may be all you need. A portal pays off when buyers want to order online at their own prices without calling you, and you are tired of typing invoices.

For in-person regulars, read Square House Accounts for wholesale. For wholesale prices and case minimums on the same Square items, see Square wholesale pricing and Square minimum order quantity. For the weekly regulars, see Square standing orders. A Square invoice on terms leaves stock on hand until it is paid; see Square invoices and inventory. To add shipping after packing, then invoice on terms, see invoice wholesale orders after shipping. The overview is Square wholesale ordering.

Setting it up

1. 01Connect Square from Integrations in Crate and choose which items are sold wholesale.
2. 02In Settings, pick the payment terms new buyers start on and where invoices go: Square, QuickBooks Online or Crate.
3. 03Set Net 30, or other terms, on the buyers who have earned them.
4. 04Invite your buyers. They order online, and each confirmed order is invoiced with its due date.

Questions

Does Square Online offer Net 30?

No. Square Online checkout takes cards, Apple Pay, Google Pay, Afterpay, Cash App Pay and Square gift cards, with no pay later or invoice option. A Square Community request for Net 30 on Square Online has been open since June 2024. The closest Square option is to send a Square invoice with a due date 30 days out.

Can I set Net 30 on a Square invoice?

Yes, by date. When you create a one-time Square invoice you enter the due date, so you pick the date 30 days out yourself. Square can send automatic reminders before, on or after that date, and the buyer can pay by card, ACH bank transfer and other methods you turn on.

Can wholesale buyers use a Square House Account online?

Not at Square Online checkout. House Accounts are charged from the point of sale, and a request to allow them online for wholesale and trade was opened in October 2026. See our guide to Square House Accounts for where they fit.

How does Crate do Net 30 with Square?

Each buyer has payment terms, from prepaid to Net 90. Buyers on terms order online without a card. When you confirm the order, the invoice goes out with a due date from their terms, as a Square invoice, a QuickBooks Online invoice or a Crate invoice, and the order can be sent into Square on the same items.

Is ACH cheaper on a Crate invoice than on a Square invoice?

On large orders from sellers on Square Free, yes. Square Free charges 1% on an ACH invoice payment with no cap, so a $5,000 order costs $50. A Crate invoice paid by ACH costs at most $10: Stripe's 0.8% capped at $5 plus Crate's 0.5% capped at $5. Under $1,000, or on Square Plus and Premium, which cap ACH at $10, Square costs the same or less, and you can keep sending Square invoices from Crate.

Can buyers add a PO number?

Yes. Buyers on terms can enter a PO number at checkout, and it is saved with the order notes that you see on the order and in the new order email. It is not printed on the invoice, so add it there yourself if a buyer's accounts team needs it, for example as a custom field on a Square invoice if you are on Square Plus or Premium.

Does Crate set a credit limit?

No. Crate does not set credit limits or stop overdue buyers from ordering. You see which orders are overdue, buyers see their balance and due date on each order, and automatic reminders can follow up for you.

How much does Crate cost?

Crate Wholesale starts at $50/month for up to 20 active buyers, with payment terms per buyer and the Square and QuickBooks Online integrations. Growth is $80/month for up to 50 and adds standing orders and Crate invoicing. Plus is $150/month for more than 50.