KRISHNA REVANTH
All work

11.25 – 01.26

Net Terms for Intuit Enterprise Suite

Bringing Net Terms to Intuit Enterprise Suite, so enterprise customers can pay Intuit by invoice.

Overview

Invoice billing for Intuit Enterprise Suite.

The product

Intuit Enterprise Suite

Intuit's newer suite for larger, multi-entity businesses.

The requirement

Pay by invoice, on terms

Let IES customers pay within an approved term, such as Net 30, 60 or 90.

The solution

Net Terms in the payment widget

A second option beside Immediate, with a short application and a clear status. See every state ↓

Launch targets

What the team set out to reach. Results to follow.

  • 70%of started applications completed
  • 8 minmedian time to apply
  • 80%of approved customers switch to Net Terms
  • 15–20%of eligible customers on Net Terms within six months
01 — The challenge

Enterprises pay by invoice. IES billed a card.

Intuit already offered Net Terms on an older billing system. IES runs on newer billing that could only charge a card or bank account.

How their finance teams pay
  1. Purchase order
  2. Invoice
  3. Approval
  4. Payment run, within terms
How IES billed them
  1. Card or bank account on file
  2. Charged on the billing date
  3. A failed charge pauses access
$1.50

One enterprise customer paying $29K a year lost access over a failed $1.50 charge.

Key design challenge

How can IES customers pay by invoice without changing checkout for anyone else?

02 — Context

How it started, and who it serves.

  1. Customers ask supportFor invoice billing, logged against their Realm ID
  2. Finance and paymentsRequests reach the teams that own billing
  3. Net Terms for IESAdded to the shared payment widget

Realm IDIntuit's ID for each business. It decides eligibility and which Net Terms state a customer sees.

Audiences

Three audiences, one payment widget.

  • QuickBooks Accountant

    Accountants

    Firms paying for their own and their clients' subscriptions.

  • QuickBooks Online and IES

    Direct customers

    Businesses paying for their own IES.

  • Partner Portal

    ProPartners

    Intuit partners who sell and support Intuit products.

Lifecycle

From the first offer to the last invoice.

  1. 1EligibleThe option appearsPayment widget
  2. 2ApplyCompany detailsPayment widget
  3. 3ReviewCredit checkFinance team
  4. 4AcceptSave Invoice as the methodPayment widget
  5. 5InvoiceMonthly, due on termsInvoice and email
  6. 6PayCard, ACH or wireBilling history
  7. 7MonitorAlerts at 80, 95 and 100%Email

If unpaidPast the term, the account moves to collections and its terms are locked.

03 — Requirements

A payment method inside a shared widget.

11
Constraint

Products and flows share one payment widget.

Used from TurboTax to the Partner Portal. Net Terms had to show only for eligible customers, and change nothing for others.

Two modes

Terms change in billing settings, never mid-purchase.

Manage mode

Billing settings

  • Apply for Net Terms
  • Track the application
  • Switch between Immediate and Net Terms
Transactional mode

Upgrade, downgrade, resubscribe, new orders

  • Pay with the terms on file
  • No applying
  • No switching terms
  • ExceptionOpen Net Terms invoices block a switch back to Immediate.
  • ExceptionIn collections, terms are locked. Only the payment method within them can change.
04 — Design

From choosing Net Terms to paying the invoice.

  1. RequirementsUse cases per customer type and mode
  2. Figma11 flows across four surfaces
  3. ReviewsConsent, invoice and email copy with Legal and FLP
  4. HandoffClickable prototypes for engineering
Applying

Four short steps, most fields pre-filled.

Shown in QuickBooks Accountant, where firms choose how to pay.

How would you like to pay: Immediate selected, Net Terms beside it with a tooltip that reads: Net Terms allow you to pay at a later date (e.g., Net 30 = payment due in 30 days), subject to your approved credit limit.
Net Terms selected: four steps to activate Net Terms, a company address form and an Apply for Net Terms button.
Apply for net terms, confirm your firm's details: company name and phone, legal business name, masked EIN, entity type and legal address, each with Edit.
Additional information: projected annual spend, optional Intuit sales contact, notes, primary contact email and a consent checkbox, then Submit application.

TargetFewer than 5% of applications blocked by missing information or errors.

Status

Every answer comes with a next step.

The QuickBooks Online widget in each state. Pick one, or let it play.

Not eligible. The option never appears, even if eligibility can't be checked.

Eligible. Net Terms sits beside Immediate, which stays selected.

In review. Payments continue on Immediate. If the status can't load, this shows.

Declined. The customer continues with Immediate Terms.

Approved. Invoice Net 30 becomes the payment method once saved.

Open invoices. Switching back waits until every invoice is paid.

A recreation of the original screens, rebuilt for this portfolio with the shipped copy.

Decision 1

A declined application leads back to Immediate, not to Customer Care

Chose
One next step in the widget: continue with Immediate Terms.
Over
Pointing declined customers to Intuit Customer Care.
Why
Intuit doesn't explain declines, so Care couldn't help. Sending customers there would only add support calls.
After approval

The invoice becomes the payment method.

Once saved, the billing page shows Invoice Net 30 in place of the card.

QuickBooks Online billing page for David's Landscaping: Payment method reads Invoice Net 30, above the subscribed bundle of Grow, Payroll Core and BillPay Premium.
Buying on terms

Purchases use the terms on file.

Upgrades, resubscribes and partner orders show Invoice as a fixed payment method.

Upgrade in QuickBooks
Upgrade, review your billing info: payment method Invoice Net 30 with consent text and a Change plan button; the subscription summary lists Grow, Payroll Core, BillPay Premium and Inventory with monthly prices.
QuickBooks OnlinePlan changes are billed on the next invoice.
Partner order
Partner Portal, review your customer order: payment method Invoice, terms Net 30, an optional PO number and notes, the consent text, and a subscription summary due as per Net Terms.
Partner PortalA PO number field, for partners ordering against one.
Decision 2

One consent sentence for cards and invoices, agreed with Legal

Chose
“By selecting [button], you authorize us to automatically charge/bill you … If you have an underlying contract specifying payment terms, we will charge/bill you in accordance with those terms.”
Over
A Net Terms version: “I authorize Intuit to invoice my account on mm/dd/yyyy and monthly after that … under the agreed Net Terms.”
Why
“Charge/bill” covers both ways to pay and defers to the customer's contract, so one sentence works in every flow.
Paying

Due dates and balances, one click from payment.

Billing history shows due date, status and balance. Make a payment opens Intuit's payment portal.

Billing and payment history: invoices with date due, status (Unpaid, Paid in full, Partially paid) and outstanding amount; the Select actions menu on a partially paid invoice shows Make a payment and Export to PDF.

Target80% of payment-portal visitors complete their payment.

Invoice

Terms at the top of every invoice.

Payment method, terms and due date sit beside the invoice number and total.

Intuit partner invoice: total, date, payment due date, payment method Invoice and terms Net 45, followed by payment details and tax reporting information.
Emails

Eight emails, from application to credit limit.

Application updates, the monthly invoice and credit alerts. Watermarked copy was owned by FLP (Finance, Legal and Privacy).

Application Billing Credit limit
Application update email: the Net Terms application has been successfully submitted, with status Submitted and a View application status button.

Target30% of invoice-email recipients visit the payment portal.

05 — Reflection

Team, and what I learned.

Team
  • My contributionFlows for accountants, customers and partners: widget states, application, purchases, billing, invoices and emails; prototypes and handoff
  • Senior designerDesign direction and reviews
  • Product managerRequirements, scope and alignment with finance and legal
  • EngineeringWidget states, billing changes and integrations
What I learned

  • Design the in-between

    Review, decline and blocked states needed as much care as approval.

  • Rules before screens

    Agreeing when terms can change settled questions across every flow at once.

  • Copy is shared work

    Consent wording went through Legal, so words were reviewed as closely as layouts.

Also check out

01 MailChimp on Sales Agent Channel 02 QuickBooks Payments and Bill Pay Rate Tables