logo
  • Features
    • Onboarding Wholesale Customers

      Digital Credit Applications

      Integrated Payments

      Credit Risk Management

      Payment On Account

      Automatic Billing

      Automated Accounts Receivables

      1-Click Bank Reconciliation

      Deposits & Prepayments

      Accepting Deposits

      Fast Order Processing

      Revenue Recognition

  • Industries
    • Alcohol Distribution
    • Construction Supplies
    • Consumer Goods
    • Coffee Roasters
    • Clothing Brands
    • Wholesale Food Suppliers
    • Health and Medical Brands
    • Packaging Suppliers
    • Wholesale Pet Suppliers
  • Integrations
    • Cin7 Core
    • Xero
    • QuickBooks
    • Unleashed
    • Netsuite
    • MYOB
    • MYOB Acumatica
    • WooCommerce
  • News
  • Pricing
  • Contact
  • Australia
    • Australia
    • United States
    • New Zealand
Log in
Log in
logo
  • Features
    • Onboarding Wholesale Customers

      Digital Credit Applications

      Integrated Payments

      Credit Risk Management

      Payment On Account

      Automatic Billing

      Automated Accounts Receivables

      1-Click Bank Reconciliation

      Deposits & Prepayments

      Accepting Deposits

      Fast Order Processing

      Revenue Recognition

  • Industries
    • Alcohol Distribution
    • Construction Supplies
    • Consumer Goods
    • Coffee Roasters
    • Clothing Brands
    • Wholesale Food Suppliers
    • Health and Medical Brands
    • Packaging Suppliers
    • Wholesale Pet Suppliers
  • Integrations
    • Cin7 Core
    • Xero
    • QuickBooks
    • Unleashed
    • Netsuite
    • MYOB
    • MYOB Acumatica
    • WooCommerce
  • News
  • Pricing
  • Contact
  • Australia
    • Australia
    • United States
    • New Zealand
Log in
Log in
logo
  • Features
    • Onboarding Wholesale Customers

      Digital Credit Applications

      Integrated Payments

      Credit Risk Management

      Payment On Account

      Automatic Billing

      Automated Accounts Receivables

      1-Click Bank Reconciliation

      Deposits & Prepayments

      Accepting Deposits

      Fast Order Processing

      Revenue Recognition

  • Industries
    • Alcohol Distribution
    • Construction Supplies
    • Consumer Goods
    • Coffee Roasters
    • Clothing Brands
    • Wholesale Food Suppliers
    • Health and Medical Brands
    • Packaging Suppliers
    • Wholesale Pet Suppliers
  • Integrations
    • Cin7 Core
    • Xero
    • QuickBooks
    • Unleashed
    • Netsuite
    • MYOB
    • MYOB Acumatica
    • WooCommerce
  • News
  • Pricing
  • Contact
  • Australia
    • Australia
    • United States
    • New Zealand
B2B Payments & Trade Credit
Image
Tim Demetriou
07 Apr, 2026

Why B2B Payments Are 20 Years Behind Consumer Payments

For most consumers today, paying for something takes seconds. You tap your phone, save your card once, or click a payment link and the transaction is complete. From online shopping to food delivery, payments have become fast, simple, and almost invisible. But in the world of B2B payments, ...

Read More
B2B Payments & Trade Credit
Image
Tim Demetriou
31 Mar, 2026

The Difference Between Accepting Payments and Managing Payments

Most businesses believe they have solved payments once they can accept them online. They add a payment gateway, enable credit cards, maybe include a “Pay Now” button on invoices — and assume the problem is done. But many finance teams quickly discover something surprising: Accepting ...

Read More
B2B Payments & Trade Credit
Image
Tim Demetriou
24 Mar, 2026

The Rise of Supplier-Led Payments: Why B2B Payments Are Finally Changing

For decades, B2B payments have operated under an assumption that nobody really questioned: Suppliers send invoices. Customers decide when — and how — they get paid. While nearly every part of business operations has modernised, payments between businesses have remained stubbornly manua...

Read More
B2B Payments & Trade Credit
Image
Tim Demetriou
19 Mar, 2026

How Deposits Can Save Suppliers from the Late Payment Crisis

In today’s market, suppliers are carrying more financial risk than ever. With defaults now 42% higher than a year ago (Australian FinTech), businesses shipping goods without upfront commitment are leaving themselves dangerously exposed. For industries like construction, wholesale, and ma...

Read More
Accounts ReceivableB2B Payments & Trade Credit
Image
Tim Demetriou
03 Mar, 2026

The Real Admin Cost of Accounts Receivable

Accounts receivable (AR) is more than just sending invoices — it’s one of the biggest hidden drains on working capital and finance team productivity. When you tally up manual labour costs, error correction, reconciliation work, disputes, and process inefficiencies, the real cost of tra...

Read More
B2B Payments & Trade Credit
Image
Tim Demetriou
24 Feb, 2026

How Much Cash Is Locked in Australian Wholesale Debtors Right Now?

In 2025, late and overdue payments aren’t just occasional pain points for Australian wholesalers, they’re systemic cash restraints keeping capital tied up in receivables instead of being put to productive use. And when you aggregate the numbers across the industry, the amount of capita...

Read More
B2B Payments & Trade Credit
Image
Tim Demetriou
14 Oct, 2025

The Dangerous Truth About How Businesses Handle Payments

Let’s be honest: a shocking number of Australian businesses are still handling customer payments like it’s the late ’90s. Credit card numbers scribbled on paper. Spreadsheets full of sensitive data. Card details traded back and forth in email chains. In an age where hackers can take ...

Read More
Latest Blog
  • Why B2B Payments Are 20 Years Behind Consumer Payments

    Why B2B Payments Are 20 Years Behind Consumer Payments

    7 April, 2026

  • difference between accepting payments and managing them

    The Difference Between Accepting Payments and Managing Payments

    31 March, 2026

  • supplier-led payments

    The Rise of Supplier-Led Payments: Why B2B Payments Are Finally Changing

    24 March, 2026

  • How prepayments and deposits Can Save Suppliers from the Late Payment Crisis

    How Deposits Can Save Suppliers from the Late Payment Crisis

    19 March, 2026

Categories
  • Accounting
  • Accounts Receivable
  • B2B Payments & Trade Credit
  • Breweries
  • Case Studies
  • Cash Flow
  • Cin7
  • Compliance, Risk & Credit Management
  • Credit Applications
  • Inventory
  • Invoicing
  • Late Payments
  • Media
  • MYOB
  • NetSuite
  • Partners
  • Payments
  • PencilPay Integrations
  • Podcast
  • Subcontractors & Tradesmen
  • Technology
  • Wholesale accounts
  • Wine Merchants
Popular Tags

brewery podcast Tim Demetriou

Resources
  • Contact
  • Support
  • Our Pricing
  • Join our partner program
  • Book a demo
  • Our customers
About
  • PCI DSS and BECS compliance
  • Privacy policy
  • Refunds
  • Terms of use
Get In Touch
  • FAQ's

Follow us on social media

Facebook Linkedin Instagram Youtube

© Pencil Pay 2026. All rights reserved.