Match payments to the sale
Invoices, purchase orders, deposits, repeat buyers, large tickets and account-based customer relationships.
Invoice Payments & Commercial Card Strategy
Move from purchase order to payment without losing the data in between.
Selective Pay helps manufacturers, wholesalers and distributors connect invoices, commercial cards, ACH, card-on-file, ERP data and reconciliation around the way customers order and the finance team gets paid.
- Invoice, card-on-file and ACH acceptance
- Level II and III commercial-card data
- ERP, gateway and reconciliation planning
Carry the right transaction detail
Tax, invoice, customer, product and shipment information can support commercial-card qualification and cleaner reporting.
Improve visibility from payment to deposit
Coordinate the ERP, gateway, processor, tokens, merchant accounts and settlement data around the receivables workflow.
Why Manufacturing Payments Are Different
The sale may begin with a quote, but the payment can arrive through five different channels.
Manufacturing and wholesale payments often involve negotiated terms, purchase orders, deposits, partial shipments, repeat buyers and multiple legal entities. A strong payment setup must support the customer relationship while giving finance better control of cost and reconciliation.
Mixed payment methods
Customers may pay by commercial card, consumer card, ACH, check, wire, payment link or stored credential depending on the order and account terms.
Qualification and data gaps
Commercial cards can settle at higher-cost categories when invoice, tax, customer or line-item data is missing, invalid or not transmitted correctly.
Disconnected receivables
The ERP, gateway, processor and accounting team may not share the same customer references, tokens, transaction status or settlement details.
Build the Right Payment Mix
Give customers practical ways to pay while protecting the economics of the sale.
Selective Pay evaluates the complete order-to-cash path and then recommends the processor, gateway, bank-payment options and integration model that best support it.
Customer-facing payment options
Accept payment in ways that fit the order, account relationship and ticket size.
- Secure payment links tied to invoices or balances
- Virtual terminal for phone and staff-assisted payments
- Tokenized card-on-file for repeat customers
- ACH for large invoices and recurring receivables
- Online account or customer-portal payments
- Card-present and mobile payments for counters or field service
Finance and operating controls
Support qualification, authorization, settlement and reconciliation without adding unnecessary manual work.
- Level II and III data mapping for eligible commercial cards
- Invoice, purchase-order and customer-reference capture
- ERP, gateway and accounting connectivity
- Token, user-role and card-on-file controls
- Entity, location, branch and department reporting
- Refund, void, deposit and partial-payment workflows
Business Models We Support
Different supply chains require different payment structures.
We tailor the payment environment to the sales cycle, customer terms, ticket size, fulfillment model, card mix, software and reporting requirements.
Manufacturers
Deposits, progress payments, invoice balances, commercial cards, ACH, account customers and ERP-connected receivables.
Wholesalers & distributors
Repeat buyers, customer-specific pricing, card-on-file, branch payments, delivery payments and centralized reporting.
Equipment & parts suppliers
Large tickets, counter sales, phone orders, ecommerce, purchase orders, field service and mixed card-present and card-not-present volume.
Building materials & supply dealers
Contractor accounts, commercial cards, delivery orders, deposits, in-store acceptance, invoice links and ERP or dealer-system requirements.
Food, beverage & specialty distribution
Recurring routes, account customers, mobile collection, invoice payments, multi-location settlement and transaction-level reporting.
Enterprise groups
Separate or shared merchant accounts, centralized visibility, location controls, consistent pricing and coordinated implementation.
A Practical Order-to-Cash Review
Improve payments without rebuilding the entire receivables operation.
We start with the existing order, invoice and payment workflow, identify the gaps and determine what should stay, what should connect and what should change.
Map every payment path
Document how customers order, where invoices originate, who accepts payment, which references are captured and how transactions reach accounting.
Review statements and technology
Evaluate pricing, card mix, commercial qualification, ACH, gateway capabilities, ERP requirements, tokens and reporting.
Design the operating model
Define merchant-account structure, payment channels, permissions, data requirements, settlement visibility and migration sequence.
Test, train and monitor
Coordinate gateway setup, equipment, integration testing, staff training and ongoing review of qualification, costs and support issues.
What We Review
The payment review includes more than the quoted markup.
Order and invoice channels
Phone, email, portal, ecommerce, counter, field service, recurring, card-on-file, payment links and ACH workflows.
ERP and gateway environment
ERP, accounting, ecommerce, virtual terminal, gateway, processor and available integration or file-exchange methods.
Transaction and card mix
Monthly volume, average and maximum ticket, commercial cards, debit, card-not-present, refunds, deposits and seasonality.
Level II and III data
Tax, invoice, purchase-order, customer, product and shipment fields available at the point of authorization or settlement.
Stored credentials and ACH
Customer authorization, tokenization, user access, recurring schedules, account validation, returns and failed-payment handling.
Settlement and reconciliation
Entities, branches, merchant accounts, deposits, funding, adjustments, transaction references and accounting handoff.
Qualification note: Level II and III results depend on card type, transaction eligibility, data accuracy, gateway support, processor configuration and network requirements. Selective Pay validates the full path before estimating savings.
Frequently Asked Questions
Common questions from manufacturers, wholesalers and distributors.
Can we keep our current ERP or accounting system?
Often, yes. We first determine which gateways, processors, APIs, files or virtual-terminal workflows the current system supports. Some platforms restrict payment choices, so compatibility is confirmed before any recommendation.
Can payment links be connected to an invoice?
Yes, depending on the gateway and invoicing workflow. A hosted payment link can carry an invoice or customer reference so the payment is easier to identify and reconcile.
Will Level II or Level III data reduce every commercial-card transaction?
No. Eligibility and results vary by card product, transaction type, data quality, gateway, processor and network rules. We analyze the actual card mix and qualification path rather than assuming every B2B transaction will receive the lowest category.
Can customers pay by ACH as well as card?
Yes, when the selected platform supports the required ACH workflow. We review authorization, account validation, return handling, settlement timing and reconciliation before implementation.
Can we store cards for repeat customers?
Tokenized stored credentials can support repeat ordering when customer authorization, access controls, account updates and cancellation procedures are configured correctly.
What should we provide for the initial review?
Start with three recent processing statements, the current processor and gateway, ERP or accounting system, monthly card and ACH volume, average ticket, payment channels and a description of the biggest receivables or reconciliation issue.
Make the Order-to-Cash Process Work Better
Connect customer payment options with stronger qualification and reconciliation.
Selective Pay will review your statements, commercial-card mix, ACH needs, ERP, gateway, card-on-file workflows and reporting before recommending the next step.