Walmart Business Adds TreviPay Invoice Offering: A Strategic Signal for B2B Credit Expectations

This week, Walmart Business announced an expanded Pay by Invoice offering, powered by B2B payments platform TreviPay, that allows qualified business customers to make purchases on net terms. This includes online orders, in-store purchases, and mobile transactions via the Walmart Business app.

And while that might sound like just another feature update, it’s a move with significant implications for manufacturers and distributors navigating the digital shift in B2B buying behavior.

What’s Actually Happening?

TreviPay has integrated its full accounts receivable automation engine into Walmart Business’s checkout and purchasing experience. Business customers can now:

• Apply for and receive net 30 terms directly through Walmart Business
• Get detailed invoices for easier procurement tracking
• Manage larger, more frequent orders with less upfront capital friction

For buyers, this kind of credit offering makes large and recurring purchases easier. For Walmart Business, it deepens relationships with high-value commercial customers. And for TreviPay, it’s a showcase of what B2B embedded finance looks like when done right.

But for the rest of the B2B eCommerce space, especially for those in manufacturing and distribution, it’s something more:

It’s a strategic signal about how B2B buyers want to pay, and how digital commerce experiences are adapting.

Why It Matters For The B2B ecosystem

If you’re leading eCommerce at a mid-sized distributor, or if you’re a manufacturer supporting dealer and channel networks, here’s why this matters:

1. B2B buyers are demanding payment flexibility

According to TreviPay’s recent buyer study (Murphy Research, 2024), 85% of business buyers prefer to purchase on terms. That number jumps even higher for repeat and high-volume customers.

This isn’t a trend driven by technology. It’s driven by buyer expectations, especially among professional procurement teams who want control over working capital, predictability in invoicing, and frictionless reordering.

And those expectations don’t stop at the checkout.

They shape loyalty, order size, and repeat frequency.

2. Consumer platforms are becoming B2B platforms

Let’s not ignore the backdrop here.

Walmart.com has long been part of the consumer eCommerce landscape. But with the growth of Walmart Business, the company is moving deliberately into the B2B space. And it’s doing it with enterprise-level capabilities that many traditional distributors haven’t yet matched.

This includes:

• A dedicated business storefront
• Customer-specific pricing and account controls
• Digital-first ordering, invoicing, and credit management

In other words, Walmart isn’t acting like a retailer anymore. It’s acting like a modern distributor.

And it’s setting a new bar.

3. Terms and credit are becoming part of the digital experience

Historically, B2B payment terms were something negotiated offline, with an account manager, over email, or via PDF credit applications.

That’s changing.

With platforms like TreviPay, credit is now part of the digital experience, prebuilt into checkout, automated with real-time decisioning, and seamlessly tied into order history and invoicing tools.

And if you’re not offering something similar?

You may be making it harder for your best customers to buy.

What This Means for B2B eCommerce Leaders

If you’re in charge of eCommerce, customer experience, or revenue growth in a B2B organization, here’s what to take away from this announcement:

1. Digital terms matter. If your site doesn’t offer net terms, you’re likely leaving revenue on the table, especially from loyal customers who prefer to consolidate spend with trusted vendors.
   
2. Embedded finance is here. Solutions like TreviPay are making it easier than ever to offer B2B payment terms, even if you don’t want to take on the credit risk yourself.
   
3. Your biggest competitors may not look like you. If Walmart can start offering tools built for procurement professionals, your customers may start looking beyond traditional supplier relationships.
   

Final Thought: What Business Buyers Want

Here’s the reality we talk about in every B2BEA executive session:

Business buyers aren’t browsing. They’re working.

They don’t want inspirational content. They want accurate pricing, fast answers, and predictable workflows.

And increasingly, they expect payment terms to be a core part of that workflow.

TreviPay’s integration with Walmart Business isn’t just about checkout. It’s about aligning the digital buying experience with how real B2B work gets done.

If you’re leading digital inside a manufacturing or distribution business, it’s time to ask:

• Are we making it easier to buy from us?
• Are we offering the right terms to the right customers?
• And do we control the experience or are we outsourcing it to someone who does?

Because in today’s market, frictionless credit may be the next big differentiator.