Terms Orchestrator Checkout (TOC)
10/10
Demand Score
B2B buyers abandon carts without PO and terms; manual invoicing stretches cash flow and causes reconciliation errors.
6/10
Blue Ocean
Competition Level
$399-3k
Price/Month
Predicted customer spend
12 days
Time to MVP
Difficulty: Hard
The Problem
Checkout and Payment Terms Problems
Competitor Landscape
- TreviPay
- Resolve
- Balance
- Apruve
- Hokodo (EU)
Must-Have Features for MVP
Instant KYB and trade-credit decision engine
Credit limit/terms management with real-time holds
PO number rules and approval thresholds
Invoice generation (EDI 810, PDF) and consolidation
Automated dunning and dispute workflows
ACH/RTP/virtual card rails with bank account tokenization
ERP sync for AR and cash application
Buyer AP portal with statement pay and remittance
⚠️ Potential Challenges
- Regulatory/KYB and data-privacy compliance
- PCI scope and secure tokenization
- Risk modeling and lender integrations
- Platform checkout extensibility limits
Risk Level: High
🎯 Keys to Success
- Lift in B2B checkout conversion and average order value
- Reduced DSO while keeping bad-debt within target
- Same-day merchant settlement options
- Straight-through reconciliation to ERP
- Minimal support tickets around invoices and payments
Ready to Build This?
This hard-difficulty project could be your next micro-SaaS success.