For B2B merchants specifically, not offering invoicing isn't a minor gap — it's a checkout option a real share of buyers expect by default, and its absence can be an outright reason to abandon the purchase rather than just a minor friction point.
The conversion angle
Invoicing is familiar and trusted, especially among older and government/nonprofit buyers who may not have another approved payment path at all. Offering it doesn't just avoid losing that segment — it can be the deciding factor that gets a larger B2B order across the line, since invoicing often accommodates purchase-order and approval workflows that a credit card checkout simply can't.
What it costs in return
The tradeoff for that conversion lift is real bad-debt exposure — an invoice extends trust before payment arrives, unlike a card authorization. That's a fraud and collections cost to weigh against the buyers you'd otherwise turn away entirely.