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Payment Terms

Payment terms in Zoho Books are rules that automatically calculate the invoice or bill due date from the invoice date, setting the…

Payment terms in Zoho Books are rules that automatically calculate the invoice or bill due date from the invoice date, setting the expectation for when payment should be received from customers or made to vendors.

Standard Payment Terms in Zoho Books

Zoho Books includes several standard payment terms out of the box: Due on Receipt (payment expected immediately upon receiving the invoice), Net 15 (due in 15 days), Net 30 (due in 30 days), Net 45, Net 60, Net 90, End of This Month (due on the last day of the invoice month), and End of Next Month. You can create custom terms for specific business needs, such as “50% on Order, 50% on Delivery” or “Net 7 with 2% Early Payment Discount.”

Assigning Payment Terms to Customers and Vendors

Set a default payment term on each customer and vendor record in Zoho Books. When you raise an invoice, the term from the customer record auto-fills, calculating the due date automatically. You can override it on individual transactions if a special arrangement applies. Consistent payment terms set at the customer level eliminate the risk of invoices going out with incorrect or missing due dates.

Payment Terms and Aged Receivables

Payment terms determine when an invoice moves from “current” to “overdue” in the Aged Receivables Report. An invoice with Net 30 terms is current for 30 days from the invoice date and becomes overdue on day 31. The Aged Receivables Report in Zoho Books uses the due date (not the invoice date) to classify invoices into age brackets, so correctly set payment terms are essential for the report to accurately reflect overdue balances.

Industry: B2B Manufacturing — A Pune components maker has different payment terms for different customer segments: modern trade customers get Net 90 (to match their payment cycles), small dealers get Net 30, and government buyers get End of Next Month. Zoho Books applies the correct due date on every invoice automatically, and the Aged Receivables Report correctly flags which customers are overdue.
What are Payment Terms in Zoho Books?

Payment terms in Zoho Books are rules that set the invoice due date automatically. Examples include Net 30 (due 30 days from invoice), Due on Receipt, and End of Next Month.

How do I set payment terms in Zoho Books?

Go to Settings, then Payment Terms, to view or create terms. Assign a default payment term to each customer or vendor in their contact record. It auto-fills on every invoice or bill for that contact.

Need help implementing this in Zoho?

Aaxonix is a certified Zoho implementation partner based in Pune. Architecture-first, no surprises.