Payment terms in skincare wholesale: prepayment, net 30 and B2B pay-later

Which payment terms will a skincare supplier offer?

Four arrangements cover almost every wholesale account. Which one you get depends less on your size than on how long the supplier has known you.

A card gives you a payment trail and your issuer's chargeback process. A SEPA credit transfer is cheapest for both sides, but money sent to the wrong account is hard to get back.

What do B2B pay-later and marketplace terms look like?

B2B pay-later providers sit between buyer and supplier. Mondu describes invoice payment on 30–90 day terms and instalments over 3, 6 or 12 months for business buyers across more than 30 European countries.⁴ Billie offers Pay Later, Pay in X and Pay on Account, with the merchant paid upfront and the buyer choosing its terms.⁵ Neither homepage sets out who pays which fee, so ask the supplier at checkout. The supplier has to integrate the provider; you cannot bring one to a brand that does not offer it.

Marketplace terms. On Faire, approved retailers can use net 60: the invoice is charged automatically 60 days after the order is placed, or 60 days after shipping if the order takes more than 14 days to ship.³ Faire states that not all retailers qualify, that terms cannot be changed once an order is placed, and that if you lack enough available terms at checkout the order defaults to pay on shipment.⁶³ Terms are a credit line: when it is used up, you prepay like everyone else.

What does the law say about B2B payment periods?

Two layers apply: an EU directive and the national law that transposes it.

Member States had to transpose the directive by 16 March 2013,¹ so every EU country has its own version; Germany, Italy or Spain may word the rules differently. Two practical points for a buyer. A supplier offering "net 90" in France is offering something the law caps. And prepayment is not a payment term at all, so these limits do not stop a supplier from asking for it.

This is a summary. For your own contracts, have a professional adviser review them.

How do payment terms change cash flow on a or order?

Terms change when the money leaves your account, not how much you make. Net 30 and net 60 are shown only for comparison; they are not Endless Pure standard terms.

Figures excl. VAT. A French buyer also pays 20% VAT on the invoice, normally recovered through its VAT return.

Two lessons. First, every column ends at the same profit; terms are a timing tool. Size the order to what you can sell, then worry about terms. The margin guide shows how RRP and trade price produce these figures.

How do you protect yourself when prepaying a new supplier?

Five checks, ten minutes, before the first payment:

1. Pay the first order by card where you can. Card issuers run a chargeback process, and payment providers' buyer protection schemes can cover eligible purchases that do not arrive or are significantly not as described, under conditions set in their terms.⁷
2. Check the company. Match the name on the pro-forma or checkout to the company details on the brand's website and to its VAT number in VIES.
3. Check the IBAN holder name before a transfer. Since 9 October 2025, euro-area payment providers must offer verification of payee: your bank checks the name you enter against the account and warns you of a mismatch.⁸ A mismatch on a supplier payment is a stop sign.
4. Distrust changed bank details. An email saying the supplier "has a new account" is the classic invoice fraud. Confirm by phone on a number you already had.
5. Keep the paper trail. Order confirmation, invoice and delivery tracking in one folder.

When does it make sense to ask for terms?

After a few on-time reorders, not before. Suppliers grant terms to buyers whose volume and rhythm they know. Prepare three facts: how long you have bought from them, your average order value and how regularly you reorder. A steady replenishment rhythm is the best argument you have. The red flags guide covers the clauses to read once terms are offered.

How does Endless Pure handle payment?

Every standard order is prepaid. You can pay by card or by SEPA bank transfer. The rest of the terms are on the buyer fact sheet.

• Invoices are issued and available in your partner account.
• VAT: EU businesses with a verified VAT ID are invoiced under reverse charge; French businesses pay 20% French VAT. Businesses without an intra-EU VAT number can also open an account after a manual check of their registration number; their invoice includes VAT.
• Deferred payment or payment on invoice is available only to regular partners with large volumes, by individual agreement. It is not offered on first orders.
• No contract, no annual commitment, no purchase target.

Each order is produced as a fresh batch, with production time depending on the order volume, and reaches EU partners within up to 10 business days from dispatch, so you can plan the gap between paying and selling. Full terms are on the wholesale page and in the wholesale terms FAQ; the ordering steps are in place a wholesale order online. More in Guides.