Your customers do not
pay like shoppers.
Your customers do not
pay like shoppers.
Terms, deposits, part shipments and a month-end card run — handled on one account, instead of bolted onto a setup built for a checkout queue.
How an order gets paid.
The order is placed
Take a deposit on the card at order, or set the invoice to draw on its due date.
It ships in parts
Partial shipments settle as they leave, against the same order rather than as new sales.
The balance clears
The remainder is taken at dispatch, on an authorization that stayed valid through the lead time.
It reconciles itself
Remittance arrives matched to the invoice number, so nobody reconciles a bank line by hand.
Businesses that invoice other businesses
Where one order is worth more than a month of fees
Large orders on purchasing cards, where what happens to a single invoice matters more than everything you pay in monthly account lines all year.
- Commercial and purchasing cards
- Order and invoice numbers carried through
- Partial shipments settled correctly
- Credit notes back to the original card
The customers who pay by card at month end
Terms customers who settle on a card at the end of the month — and the ones who, once you can see the cost, should be settling by bank debit instead.
- Card and ACH on the same account
- Automatic settlement on the due date
- Surcharge where it is permitted
- Remittance matched to the invoice
Long lead times, split payments
Deposits at order and balance at dispatch, with authorizations that stay valid across a lead time measured in weeks rather than days.
- Deposit and balance on one order
- Re-authorization before dispatch
- Freight and duty passed as line items
- Government and municipal card handling
A retail setup, or one built for invoicing.
| Retail-shaped | Built for terms | |
|---|---|---|
| A deposit at order | A separate sale to refund later | Held against the order |
| Part shipment | A new transaction each time | Drawn from the same authorization |
| Long lead times | The hold expires before dispatch | re-authorized automatically |
| Month-end card run | Keyed in one at a time | Drawn on the due date |
| Remittance | A bank line to match by hand | Arrives with the invoice number |
| Bank debit | A second provider | Same account, same statement |
For some customers the honest answer is bank debit rather than card. We will tell you which of yours those are.
Six things your ledger stops arguing with.
Card and ACH
One account, one statement
Deposits at order
Held, not taken twice
Scheduled draws
On the invoice due date
Matched remittance
Invoice number carried through
Surcharging
Where your states permit it
Multiple entities
One review across all of them
Half our terms customers were paying by card at month end and nobody had ever priced that separately.
What finance asks
Send a month of transactions and we will come back with what we found.
Send us a month of transactions.
Send us a month of transactions.
We will come back with what we found, and say plainly if the answer is that you are fine.
Tell us how you invoice.
Terms, deposits, and roughly what your customers put on cards each month.
Contact Information
Groups with several operating companies get one review across all of them, and consolidated reporting afterwards.
⏱️ Reviews take three to five business days.