Cash Flow Strain
- Delayed payments impacting your working capital?
Optimize B2B Payments for Wholesale & Distribution
For wholesale and distribution companies, effective B2B payment solutions are vital for your business health and growth. In today's competitive landscape, delayed payments and inefficient accounts receivable processes can severely impact cash flow and your bottom line. We understand these challenges firsthand, having seen how manual efforts and a lack of modern payment solutions tie up valuable resources and hinder sales cycles.
The Challenges of Traditional Accounts Receivable: Are you grappling with?
Excessive Manual Effort
- Your team spending too much time chasing invoices and resolving disputes instead of focusing on growth?
Limited Visibility
- A lack of real-time insights into outstanding A/R, making informed financial decisions difficult?
Tied-Up Team Resources
- Valuable team members bogged down by administrative tasks, preventing strategic contributions or sales support?
These common pain points erode profitability and impede scalability. You need more than just a collection process; you need robust payment solutions that drive efficiency and accelerate cash.
Here's how we help you optimize your accounts receivable:
Transform Your Accounts Receivable: Key Benefits for Your Business
Our A/R platform and B2B payment processing solutions revolutionize your financial operations:
Cut Your DSO to Just 1 Day
Accelerate Your Cash Flow
Get paid faster and significantly reduce Days Sales Outstanding (DSO). Our integrated platform streamlines your entire payment cycle, ensuring quicker access to funds and improved financial liquidity.
Empower Your AR Team
Free up valuable A/R personnel time by automating tedious tasks. Digital invoicing, comprehensive audit trails, and streamlined workflows boost efficiency, allowing your team to focus on strategic growth and sales.
Gain Real-Time Financial Clarity
Enjoy instant visibility into your cash flow for better decision-making and more effective financial management.
Enhance Payment Security
Increase end-user security with our robust, PCI-compliant system. We mitigate risk and secure sensitive financial information, providing peace of mind with every transaction.
Lower Your Transaction Costs
Reduce transaction fees through intelligent interchange optimization, delivering significant savings on your B2B and B2G payment card processing costs and directly impacting profitability.
Benefit from Expert Support
Get live, 5-star support whenever you need it. Our expert team brings over 20 years of technology and B2B payment processing expertise, ready to provide the guidance and assistance you deserve.
Your Trusted Partner for Financial Optimization
We don't just provide technology; we partner with your business to ensure maximum efficiency. Our dedicated support team guides you through every step, ensuring seamless integration and adoption. From implementation to ongoing optimization, we are committed to helping you unlock the full potential of automated B2B payment solutions.
By choosing our platform, you're investing in more than just faster payments. You're investing in a more resilient, agile, and profitable future for your business.
Ready to Transform Your Accounts Receivable?
Discover how our accounts receivable automation and B2B payment solutions can benefit your business. Connect with Sales today for a personalized demonstration. Let's discuss how we can help you streamline online payments, improve cash flow, and empower your business for sustainable growth with sales efficiency.
Streamlined B2B & B2G Payment Solutions
Collecting payments 24/7 has never been easier. Our automated B2B and B2G payment solutions accelerate access to funds and significantly improve your cash flow. As your dedicated payment gateway and B2B/B2G payment processing platform, our software partner provides secure, cloud-based payment acceptance and integrated solutions designed to save your business time, effort, and money.
Here's how we help you optimize your accounts receivable:
Seamless Tech Integration
- Explore our Integrations Marketplace for accounting, ERP, and e-commerce software solutions with built-in Mertex payments.
Automated E-Invoicing
- Streamline your payment process with e-invoicing software that efficiently manages and automates your business e-invoices.
Easy Online Payments
- Send secure payment requests via email or text using Payment Link, enabling one-click access to online payments for your business customers.
Reduced Processing Costs
- Qualify for the best rates with interchange optimization, delivering significant savings on your B2B and B2G card processing costs.
Effortless Recurring Payments
- Implement automatic recurring payments to save you and your customers time on monthly manual A/P and A/R accounting tasks.
Accept GSA SmartPay®
- Effortlessly accept B2G payments from federal employees using GSA SmartPay® purchase cards for official government purchases.
Drastically Cut Your DSO to Just 1 Day
Our automated payment workflows eliminate manual processes, enhance customer experiences, and accelerate your access to capital, helping you reduce your Days Sales Outstanding (DSO) from 28 days to as little as 1 day.
Elevate the B2B Payment Experience for Your Customers
Instantly improve the B2B payment experience for your clients by automating B2B and B2G payment workflows. Offer them diverse payment options, including purchasing cards and ACH payments.
Here's how we make paying easier and more secure for your customers:
Easy Ways to Pay
Your customers choose the payment options that work best for them, simplifying their experience.
Simple Accountability
Digital records provide buyers with real-time insight into invoice status, ensuring clarity and transparency.
Less Paperwork
Save time by replacing checks and postage with convenient e-invoices.
More Security
Your customers benefit from enhanced encryption and reduced risk of fraud with every payment.
Integrate for Peak Efficiency
Inefficient manual processes drain resources and boost the risk of errors. Mertex Technologies' advanced payment automation solutions integrate with your core business systems to streamline back-office operations, eliminate manual steps, and get you paid faster.
Contact us
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Frequently asked questions
What is Interchange Plus Pricing?
Interchange Plus Pricing is a transparent pricing structure where the direct costs, specifically interchange fees and network dues/assessments, are passed directly through to the merchant.
Are there other names for Interchange Plus Pricing?
Yes, this structure is sometimes also referred to as cost-plus pricing.
How is the service provider's profit accounted for in this structure?
The service provider adds a small percentage (basis points) for their profit, along with a per-transaction charge for authorization, which covers their costs and ensures profit.
Which types of merchants typically use Interchange Plus Pricing?
This type of pricing is usually favored by larger volume merchants due to its transparency and potential for cost savings.
What is a Qualified Discount Rate?
The Qualified Discount Rate is the lowest percentage a merchant is charged on their transaction volume, as outlined in their merchant agreement. It represents the best possible rate they can receive for processing payments.
What types of transactions typically qualify for this rate?
- For retail merchants: This usually applies to consumer credit or check card transactions where the card is physically swiped.
- For Mail Order/Telephone Order (MOTO) or Internet merchants: This generally applies to consumer credit or check card transactions that are manually keyed in, provided that Address Verification Service (AVS) is used and an invoice number is included.
Are there other conditions to qualify for this rate?
Yes, for both retail and MOTO/Internet merchants, the transaction must be batched out within 24 hours of the transaction time to qualify for the best rate.