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Configure the customer account payment method for B2B e-commerce sites

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This article describes how to configure the customer account payment method in Microsoft Dynamics 365 Commerce. It also describes how credit limits affect on-account payment capture on business-to-business (B2B) e-commerce sites.

Retailers can accept various types of payment in exchange for the products and services that they sell in an e-commerce channel. Each payment type that a retailer accepts must be configured in Dynamics 365 Commerce when the system is set up. The customer account (or "on-account") payment method must be supported on B2B e-commerce sites. 

Prerequisites

  1. Add the customer account payment method in Commerce headquarters.

  2. Associate the customer account payment method with the e-commerce channel.

  3. Ensure that the Allow on account property is enabled for the customer at Retail and Commerce > Customers > All customers > Payment defaults in Commerce headquarters.

    Note

    If all customers should be allowed to have the on-account payment method enabled, you can set the Allow on account property to Yes for the default customer of the channel that is associated with the B2B site.

Enable the customer account payment method in Commerce site builder

To enable the customer account payment method in Commerce site builder, follow these steps.

  1. Go to Site Settings > Extensions.
  2. Set the Enable customer account payments property to Enabled for B2B customers.
  3. Select Save and Publish.

Note

The new site settings take effect only after the app.settings.json file is updated. For more information, see SDK and Module library updates.

Enable the customer account payment method on the checkout page for the B2B e-commerce site

To enable the customer account payment method on the checkout page for the B2B e-commerce site, follow these steps.

  1. In Commerce site builder, find and edit the checkout page or fragment that contains the checkout module for the B2B e-commerce site.
  2. In the Checkout section container slot, select Add Module, and then add a Customer account payment module.
  3. Position the Customer account payment module by selecting the ellipsis (...), and then selecting Move Up or Move Down as required.
  4. Select Save, select Finish editing to check in the page, and then select Publish to publish it.

Confirm that the customer account payment method has been enabled and published

To confirm that the customer account payment method has been enabled, follow these steps.

  1. Sign in to the e-commerce site.
  2. Add a product to the cart.
  3. Go to the checkout page. You should see the new Customer Account payment method.

Work with credit limits

When the capabilities for customer account payments are enabled on the B2B site, organizations usually want to show information about credit limits and credit limit balances during the order capture process. The credit limit for a customer is defined by the Credit limit property on the Credit and collections FastTab of the customer record in Commerce headquarters. However, in B2B scenarios, an order that a customer places should often be invoiced to the account of the organization that the customer belongs to. Therefore, you must set the Invoice account property on the Invoice and delivery FastTab of the customer record to the customer account ID of the organization. Then, when the customer places an order on the B2B site, the order will be invoiced to the organization. The B2B site will also use the credit limit of the organization instead of the credit limit that is defined on the customer record.

The credit limit calculation and balance that are shown on the B2B website depend on the setting of the Credit limit type property in Commerce headquarters. The location of this property varies, depending on whether the Credit management feature is enabled in the Feature management workspace:

  • If the Credit management feature is enabled, the property is located on the Credit limits FastTab at Credit and collections > Setup > Credit and collections parameters > Credit.
  • If the Credit management feature is disabled, the property is located under Credit rating at Accounts receivable > Setup > Accounts receivable parameters > Credit rating.

The values that the Credit limit type property supports are None, Balance, Balance + packing slip or product receipt, and Balance + All. For more information about these values, see Credit limit type values.

Note

We recommend that you set the Credit limit type property to Balance + packaging slip or product slip, so that open sales orders don't contribute to the balance calculation. Then, if your customers place future orders, they don't have to worry that those orders will affect their current balance.

Another property that affects on-account ordering is the Mandatory credit limit property, which is located on the Credit and collections FastTab of the customer record. By setting this property to Yes for specific customers, you can force the system to check their credit limit, even if the Credit limit type property has been set to None to specify that the credit limit shouldn't be checked for any customer.

Currently, a customer using the on-account payment method can't pay more than the remaining credit balance for an order. For example, if a customer's remaining credit balance is $1,000 but the order value is $1,200, the customer can only pay $1,000 by using the on-account method. The customer must then use some other payment method to pay the balance. In a future release, a Commerce configuration will allow the users to spend beyond their credit limit when placing orders.

The Credit and collections module has new credit management capabilities. To turn on these capabilities, enable the Credit management feature in the Feature management workspace. One of the new capabilities enables sales orders to be put on hold based on blocking rules. The credit manager persona can then release or reject the orders after further analysis. However, the capability to put sales orders on hold isn't applicable to Commerce orders, because sales orders often have a prepayment, and the Credit management feature doesn't completely support prepayment scenarios.

Regardless of whether the Credit management feature is enabled, if a customer balance goes over the credit limit during order fulfillment, the sales orders won't go on hold. Instead, Commerce will generate either a warning message or an error message, depending on the value of the Message when exceeding credit limit field on the Credit limits FastTab.

The Exclude from credit management property that prevents Commerce sales orders from going on hold is located on the sales order header (Retail and commerce > Customers > All sales orders). If this property is set to Yes (the default value) for Commerce sales orders, the orders will be excluded from the on hold workflow of credit management. Although the property is named Exclude from credit management, the defined credit limit will still be used during order fulfillment. The orders just won't go on hold.

The capability to put Commerce sales orders on hold based on blocking rules is planned for future Commerce releases. Until it's supported, if you must force Commerce sales orders to go through the new credit management flows, you can customize the following XML files in your Visual Studio solution. In the files, modify the logic so that the CredManExcludeSalesOrder flag is set to No. In this way, the Exclude from credit management property will be set to No by default for Commerce sales orders.

  • RetailCreateCustomerOrderExtensions_CredMan_Extension.xml
  • RetailCallCenterOrderExtensions_CredMan_Extension.xml

If the CredManExcludeSalesOrder flag is set to No, and a B2B customer can purchase from stores by using the point of sale (POS) application, the posting of cash and carry transactions might fail. For example, there's a blocking rule on the cash payment type, and the B2B customer bought some items in the store by using cash. In this case, the resulting sales order won't be successfully invoiced because it will go on hold. Therefore, the posting will fail. For this reason, we recommend that you do end-to-end testing after you implement this customization.

Additional resources

Set up a B2B e-commerce site

Manage B2B business partners using customer hierarchies

Manage business partner users on B2B e-commerce sites

Set product quantity limits for B2B e-commerce sites

SDK and Module library updates