The Trade Competition Commission's credit-term rule becomes legally binding on 2 Nov 2026. Large wholesalers and retailers (revenue 500m baht+) must pay SME and farmer suppliers within 30 days of invoice for farm and processed goods, and within 45 days for general goods and services. Payment clocks start after delivery and inspection, cannot be extended once started, and terms cannot change without 60 days' notice. Breaches can be fined up to 10% of revenue. SMEs with proof of invoice and non-payment can file directly with the Commission. Check your buyer contracts and invoice dates now. The rule starts with modern wholesale and retail, with construction, steel and automotive possibly next.