60-day wholesale payment terms: what they change for cash flow

A 60-day payment term lets a reseller pay for wholesale stock about two months after ordering, rather than at the point of order. Under the default terms of a B2B wholesale marketplace, payment is made in advance, and any credit term is set by the individual seller². For a reseller, the question is mainly the timing of cash: the term changes when payment leaves the bank, not the price of the goods. At steady state, the working-capital gain is roughly two months of purchases, but only on orders that carry the term.

What a 60-day term changes, and what it does not

The marketplace’s Terms say buyers “must pay for orders according to the payment terms agreed with the seller,” and that payment is “generally made in advance at the time of order, unless otherwise specified by the seller”². The same Terms state that all payments are processed through the platform by its operator⁸.

The Terms do not say from which date a seller’s credit term runs, whether from order or from dispatch. Any extended term should therefore be confirmed with the seller or the marketplace before stock is committed.

Where extended terms are offered, and the published minimums

Two B2B wholesale marketplaces publish figures that can be compared, though they measure minimums differently.

For a reseller who connects by API and wants to fund stock over a sales cycle, the eany.io FAQ sets a €300 minimum order value⁴. A StartupIntros company profile, updated 13 July 2026, lists 60-day payment terms among Eany’s buyer tools, alongside API integrations⁷. The tutorial adds that the €300 applies to the whole order, with no minimum quantity per product or supplier, and that items from different suppliers can share one order³.

Qogita, a health and beauty wholesale marketplace¹, lists €500 MOVs on its homepage, checked 8 October 2026¹. Its help centre says each supplier sets its own minimum, shown on every product page⁶. Because Qogita minimums are set by supplier and Eany’s €300 applies to the whole order³, the two figures measure different things.

Worked example: EUR 3,000 a month on 60-day terms

The figures below are illustrative. No supplier or marketplace has quoted them.

Assume a reseller buys EUR 3,000 of stock each month, spread evenly, and every order carries a 60-day term.

Our analysis: At steady state, the unpaid balance is about two months of purchases, so roughly EUR 6,000 here. The gain depends on the mix: orders paid upfront reduce it in proportion. It also depends on sell-through. If stock sits longer than the term, the reseller pays for it before the sales arrive, and the benefit shrinks.

Qogita’s Buy Now, Pay Later option, through Billie, lists a 60-day term at a 3.50% fee, with terms varying by buyer⁵. That fee is a separate cost to weigh against any extended term, and the option is not available to buyers outside the EU⁵.

Limits to plan around

Once payment has been made, the Terms say orders “may not be cancelled or modified”⁸. A seller may cancel an accepted order that is not fully paid within ten business days without penalty². If a seller is unable to execute an accepted order and cancels it in full, it must refund all amounts paid, including the marketplace’s commissions². The Terms confirm that a commission exists but do not state its rate in the text retrieved.

Tax at checkout adds to the cash needed at order. If no valid VAT number is provided, 21% VAT is added at checkout⁴.

This limit applies to every supplier and marketplace: each seller sets its own credit terms, and each marketplace sets its own payment and acceptance rules, so a term shown on one page may not apply to every order. The FAQ’s payment answer and its “processing fee” answer were not visible in the copy retrieved, so the cost of deferred payment cannot be set out from sourced figures⁴.

What to watch next

• Whether the 60-day term is published on a page outside readers can see, and whether it runs from order or from dispatch.
• The amount of any processing fee, and whether deferred payment carries a charge.
• Credit limits for API accounts.
• Whether Qogita’s €500 MOVs and its 60-day Billie rate change; both were checked on 8 October 2026 and will age¹.
• Revisions to the Terms, currently version 260914-1 dated 24 September 2026².

A sensible check before committing stock to any term is to model one month of orders at each payment timing, using actual sell-through rates for the products concerned.