Hello any expert here that found solution to bypass zoho commerce restriction to not be able to work with several payment terms depending customers

I have been in contact we support and apparently we cannot do it (which is completely non sense for me).

It means an individual that order $50 will pay by credit card (as we don't want to set up for anyone offline payment) and a business order let's say $20000 has to pay by credit card even if he is set up with net 30 days by wire transfer with us