How can I set up customer accounts in an eCommerce platform?

[Chrysalid]

I've been looking into how I can set up customer accounts in Shopify. At minimum, having the ability to allow a customer to choose "on account" at checkout.

This seems like such an important (and often requested) feature - why is it not already a feature?

I am not interested in paying an additional $50 USD for a feature that should already be integrated.

I have been using Shopify for almost a year - I have a few more months before my subscription is due again. I hate the thought (and work involved) with switching to another system, but I need something else that works better with customer accounts. Does anyone have any suggestions?

Thanks,

Amber

[ShopDoc]

Are you needing Shopify to then automatically pull payment from them? Or are you going to do that with your own internal system?