Is there any way to configure magento to allow checkout with out a payment. We use net 15 terms with billing done outside of Magento. Its a b2b site. The closest we have configured is the use of PO payment but this requires the user to input a PO number. We don't use PO so this is not needed or wanted. Hope this makes sense
In that case best is to either use bank transfer option - where you can put payment instructions, check/money order or Cash on Delivery payment. Screenshot below.
If you need anything else then you'd need a bespoke solution.
Those wont work because they are not correct to the transaction of payment on terms. They would also be very confusing to the user.