Credit Manager – Credit Limit & Payment Terms for B2B

About the Extension

Enforce credit limits, avoid bad debt — right inside Shopware

Kommora Credit Manager gives B2B shops a real credit limit and payment-terms system: an individual limit per customer, individual payment terms in days and an automatic payment-method lock as soon as the open balance from running invoices exceeds the limit. Customers see their remaining limit live in the checkout, and you see a receivables cockpit in the admin — open, overdue and debtor count at a glance. Everything runs locally in your Shopware installation — no external services, no third-party tokens.

What you get in the base price

Credit limit & payment terms per customer

• Individual credit limit per customer as a custom field, editable in the customer detail
• Individual payment terms in days (invoice, instalments, direct debit, ...)
• Shop-wide defaults for limit and payment terms in the plugin configuration
• Credit-relevant payment methods freely selectable (multi-select in the config panel)
• Internal notes per customer for creditworthiness remarks

Live checkout widget

• Displays "Available: €3,240 / €5,000" directly in the order summary
• Warning when the current cart would exceed the remaining limit
• Twig function credit_available(customer) for your own templates
• Header badge in the customer detail for a quick visual check in the admin

Automatic payment-method lock

• PaymentMethodFilterSubscriber reacts to every cart change
• Only hides the configured credit payment methods — pre-payment, credit card, PayPal & co. remain untouched
• Fallback text controllable via system config and mail template
• Works in the standard checkout and in custom themes

Receivables cockpit in the admin

• Dedicated admin module with KPI cards: total open, overdue, number of debtors
• Debtor list sorted by open amount, with a direct jump to the customer detail
• Ledger grid per customer showing due date, open amount, payment status
• "Mark as paid" action with an audit trail
• Compact "Credit account" tab inside the native customer detail — no context switch required
• ACL role "Kommora Credit Manager" (Read/Create/Update/Delete)

Ledger & automation

• Automatic ledger insert on CheckoutOrderPlacedEvent (no double firing via ORDER_WRITTEN)
• Automatic state change to paid as soon as the order transaction reaches state "paid"
• CLI command kommora:credit:backfill-ledger for existing data (idempotent, safe to re-run)
• All write access goes through the Shopware DAL — no raw SQL writes

Storefront cockpit for your customers

• Dedicated account page /account/credit
• Overview of open invoices with due dates
• History of paid invoices
• Translations DE/EN, entry in the account menu

Optionally purchasable as in-app purchases

The two features below are official Shopware in-app purchases (IAPs). The base price delivers credit limit, payment-method lock, ledger and storefront cockpit — the add-ons are strictly optional and can be booked at any time in the admin under "Extensions → In-App Purchases".

Dunning (in-app purchase)

• Three stages: payment reminder, 1st dunning, 2nd dunning
• Days offset and dunning fee per stage freely configurable
• Daily scheduled task kommora_credit.periodic_dunning
• Mail templates DE + EN pre-installed (kommora_credit.mail.dunning_stage_1|2|3)
• Idempotent — at most one send per ledger record and stage
• Clean state transitions in the ledger, full audit trail

CSV payment import (in-app purchase)

• Presets for DATEV, Sage 100, Lexoffice and a Generic format
• Automatic matching to open ledger records via payment reference / order number
• Import log with match, unmatch and error counters
• Open amounts are reduced; on full reconciliation the state changes to paid
• Upload form directly inside the admin module

Ideal for

• B2B shops offering invoice payment that want to avoid bad debt
• Merchants with mixed B2B/B2C ranges and selective invoice release
• Operators who need to mirror ERP-side receivables management inside Shopware
• Shops with high average order values and credit risk