What are split payments?

B-Stock supports split payments through Net Terms as a payment option for approved buyers. If you have an approved Net Terms account, your available credit will be applied automatically when you win a Spot listing.

If your order total exceeds your available Net Terms credit, you must pay for your order during the 5 minute grace period so that any excess can be paid with ACH. Partial Net Terms payments combined with ACH for the remainder are not supported after the 5 minute grace period.

Payment method summary

• Your payment method is selected and locked in at bid time. Make sure to select Net Terms.
• Net Terms: available credit is applied in full for orders within your credit limit.
• ACH: used when your order exceeds your available Net Terms credit
• Make sure to pay for your order within 5 minutes of winning if you want to take advantage of split payments.

When using the split payment functionality for Net Terms and ACH, please note that your Net Terms credit will be drawn down to $0, with any additional amount owed then charged to your selected ACH account.

If the ACH portion fails, the Net Terms portion will remain applied to your order. You’ll have a balance due that needs to be paid via wire immediately.

Need to check your Net Terms balance?
You can view your available Net Terms credit in your account settings before placing a bid.