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Getting Started
Last Updated April 2nd, 2026 at 3:58 pm
Getting Started: Buying Formats and Payments
Oct 31 2025 · BY Andrea Vargas
Last Updated April 2nd, 2026 at 3:58 pm
Whether you’re looking for speed, flexibility, or the best deal, B-Stock offers multiple ways to purchase liquidation inventory that fit your needs. In this guide, we cover the basics of:
- Listing Types
- Buying Formats (and how to pick the right one for you)
- Payment Methods
Don’t have time to read? Watch our video below!
Listing Types on B-Stock
Listings come in two varieties: spot or contract. Let’s break these down:
Spot Listing
A Spot listing means the inventory is ready for purchase right now with no long-term commitment. This is our most common listing type, available to all buyers across all sellers.
Contract Listing
A Contract listing means the inventory will be available in the future. This subscription model ensures a steady flow of inventory for your business. Contracts can vary in length and quantity.
Looking to buy multiple truckloads a month? See if you qualify for our Contracts program here.
Buying Formats on B-Stock
You have three ways to buy on B-Stock. Here’s how each buying format works and when to use them.
Auction
Place bids over a set time period and win if you’re the highest bidder when the listing closes. Ideal for buyers looking to maximize margins.
- Compete with other buyers in a timed bidding format
- Hunt for deals and find hidden gems
- Transparent bidding and notifications keep you in control
Check out Getting Started: Online Bidding for Beginners to learn more about participating in auctions.
Buy Now
Skip the wait — purchase inventory immediately at a fixed price. No bidding, no uncertainty.
- Buy on the spot with no competition
- Best for fast, reliable sourcing
- Fixed pricing means no surprises
Make an Offer
- Negotiate directly with sellers by submitting an offer. Flexible and buyer-driven.
- Submit an offer and receive a response directly from the seller
- A good option when you want to control your margins
- Submit an offer and leave. no waiting around to see if you’re the highest bidder
Listing Card Examples
Pick the Buying Method Right For You
Depending on your business objectives, you may consider one buying format over another. Here’s a breakdown:
Filtering on the All Listings Page
Utilize filters on our All Listings Page to explore by your preferred Buying Format and Listing Type (see example below).
How Payments Work on B-Stock
When you win a Spot listing on B-Stock, payment is processed automatically — you don’t need to return to the platform to pay. Here’s how it works:
- Before you bid, you select your preferred digital payment method.
- You accept a brief payment agreement as part of placing your bid.
- If you win, a 5-minute window opens for you to confirm your shipping address.
- After that window closes, your selected payment method is charged automatically. Important: Once payment has been processed, your address can no longer be changed.
- The seller receives payment confirmation and can ship your inventory right away.
Make sure your preferred method is saved and up to date in your account settings before bidding.
Accepted Payment Methods
B-Stock accepts the following digital payment methods for Spot listings:
- ACH: Connect your bank account through Stripe to pay for orders online. (We pay the fees!)
- Net Terms: 30-day payment terms for qualified buyers
Apply for the Net Terms program through your B-Stock profile under My Account > Payment Methods. Most applicants get a decision instantly, but approval for Net Terms credit is not guaranteed.
Interested in paying with Net Terms through Balance? Watch this quick video to get started. Or review our Net Terms FAQs for more information.
Less common payment methods:
- Wire payment: Prefer to take things offline? Send payment via wire transfer. Depending on your financial institution, fees may apply.
- B-Stock Credit: Only certain orders may be eligible to be paid with any B-Stock Credit accrued. Check your balance under Account > Payment Method > B-Stock Balance.
Split Payments
Currently, split payments are only available during the 5-minute grace period. During this time, you may go to pay for your order and select Net Terms to take advantage of split payments.
Split payments allow buyers with Net Terms to combine available Net Terms credit with ACH payment for a single order. (Essentially, removing the barrier of credit limits!) Even if a listing is worth more than your available Net Terms credit, you can still purchase it by supplementing with ACH.*
Example scenarios where split payments are helpful:
- Scenario 1: Maximizing credit
- Available Net Terms credit: $5,000
- Listing you want: $8,000
- Without split payments: You’d have to use full ACH/wire or skip the listing
- With split payments: Use $5,000 Net Terms + $3,000 ACH
- Scenario 2: Multiple orders
- Available Net Terms credit: $10,000
- First order: $6,000 (uses Net Terms)
- Second order: $7,000
- Remaining credit: $4,000
- With split payments: Use $4,000 Net Terms + $3,000 ACH for second order
- Scenario 3: Preserving cash flow
- Available Net Terms credit: $8,000
- Listing you want: $12,000
- You want to preserve as much cash as possible
- With split payments: Use $8,000 Net Terms (30-day terms) + $4,000 ACH (immediate), maximizing your cash flow benefit
*If you select Net Terms and your order value is within your available credit, Net Terms will be charged. If your order value exceeds your Net Terms credit and you would like to use the split payment functionality with ACH, you must pay for your order during the 5-minute grace period. If you do not, your payment will fail. Please contact our customer support team with any questions.
Paying for Contracts
Payments for Contract orders are usually due within one business day. Please review your Contract Details Page to ensure you understand the payment terms of each Contract.
Please note: The Contract cost is divided across however many orders (i.e., shipments) are assigned during the full Contract duration.
Explore Buying Formats Built For Your Business
Regardless of your business size and resale channels, if you’re after 10 truckloads a month or a pallet a week, you can find what you need on B-Stock. Ready to start exploring buying formats and lock in inventory? See what’s available now! Need a bit more guidance? Check out the guide below.
Getting Started: How to Browse Listings
Frequently Asked Questions
You may add new payment methods to your Buyer Profile by going to Account > Payment Method.
When you win a Spot listing on B-Stock, payment is processed automatically — you don’t need to return to the platform to pay.
Split payments allow you to maximize your Net Terms credit. Purchase any listing on the platform, regardless of order size, and without being limited by your current credit availability.
Currently, split payments are only available during the 5-minute grace period. During this time, you may go to pay for your order and select Net Terms to take advantage of split payments.
You may combine multiple orders into one wire transfer payment.
US Sales Tax
US Sales Tax will not be added to USD order totals. Sales Tax is to be collected by the winning buyer at the time of resale.
GST/HST
GST/HST tax will be calculated and added to the order total for orders transacted in Canadian Dollars. If the currency is in USD, and the buyer and seller are both in Canada, GST/HST tax will be calculated and added to the order total.
VAT
VAT must be paid for all orders transacted within Eurozone countries and the United Kingdom. The amount will be calculated for you and added to the order total.
Each listing will show applicable additional charges directly under the Bid/Buy Now button, including the B-Stock Fee. This fee helps cover the costs of running the marketplace and is calculated based on transaction size. This amount will be added to the final winning bid/total.
Andrea Vargas
Andrea is the lead content writer for B-Stock Solutions, the largest online network of B2B liquidation marketplaces. She specializes in creating buyer resources and tools for entrepreneurs and power buyers looking for liquidated merchandise.
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