Accelerate cash collection and eliminate reconciliation chaos for distributors.

High DSO from manual collections erodes cash flow predictability

Distribution companies processing 1,000+ invoices monthly across hundreds of active accounts cannot effectively manage collections through manual follow-up. AR teams spend 30-50 hours per month on dunning calls, email reminders, and aging report review — activities that scale linearly with invoice volume. Customers who would pay on time if given a convenient self-service option instead wait for a reminder call, extending DSO by 5-15 days. The root cause is structural: payment tools that operate independently from the ERP do not understand invoice status, terms, or account context. PaymentHub deploys an ERP-connected customer payment portal where buyers view open invoices, make payments against specific line items, enroll in autopay, and access payment history — all reflecting real-time ERP balances. Automated dunning sequences trigger based on aging thresholds without AR team intervention.

Multi-entity reconciliation consumes days of staff time monthly

Distributors operating multiple entities — separate legal entities for different regions, product lines, or acquisitions — face a reconciliation problem that compounds with each entity. Payments captured through a gateway must be matched to invoices in the correct entity, posted to the correct GL accounts, and reconciled against bank deposits. When this matching happens manually, a distributor with three entities and 2,000 monthly invoices faces a reconciliation burden that consumes 40+ hours per month. Errors in entity assignment create posting corrections that cascade through the financial close. PaymentHub automates this through entity-aware payment routing: each payment is matched to the correct invoice in the correct entity at the time of capture, with automated GL posting that eliminates the manual matching step entirely.

Invisible interchange fee waste accumulates on every B2B card transaction

Distribution companies processing $2M-$20M in monthly card volume typically overpay interchange by 0.3-0.8% per transaction because Level 2/3 data is not being captured. On $5M in monthly card volume, this represents $15,000-$40,000 in annual fee waste — money that flows directly to interchange costs because the payment gateway does not pass the tax amount, PO number, and line-item detail that qualifies B2B transactions for lower interchange rates. Most distributors are unaware of the magnitude because interchange statements are opaque and no one is analyzing the qualification rate. PaymentHub automatically captures Level 2/3 data on every B2B card transaction, passing the required fields to the processor without manual intervention by the AR team.

Gateway lock-in prevents fee optimization and routing flexibility

Distributors locked to a single payment gateway cannot route payments to the optimal processor for each transaction type. ACH payments, high-value card transactions, and multi-currency payments each have different optimal routing paths. A distributor processing through a single gateway pays the same rate regardless of transaction characteristics and cannot negotiate competitive terms because switching gateways means disrupting ERP posting workflows that depend on the gateway integration. PaymentHub decouples payment capture from ERP posting: the gateway orchestration layer routes each payment to the optimal processor while the posting layer maintains consistent ERP integration regardless of which gateway processes the transaction.

Customer payment portal disconnected from ERP creates trust and adoption problems

When a distributor deploys a payment portal that does not reflect real-time ERP invoice balances, customers encounter discrepancies — a payment made yesterday by check is not reflected, an invoice that was credited still appears as open, an account balance does not match their last statement. These discrepancies destroy trust in the portal. Customers revert to calling the AR team to confirm balances before making payments, eliminating the self-service efficiency the portal was supposed to create. PaymentHub resolves this by connecting the customer portal directly to ERP invoice and payment data: open balances, credits, payment history, and account terms are all sourced from the ERP in real time, ensuring the portal is the trustworthy source that drives adoption.