Modern wholesalers and manufacturers have no shortage of software tools to manage operations. From ERPs like Cin7 Core and inventory platforms to accounting systems like Xero, MYOB, and QuickBooks, there’s a growing tech stack designed to streamline how goods move and dollars flow.

But when it comes to trade credit, the lifeblood of B2B sales, most stacks fall short.

Despite all the automation available, many businesses are still managing credit applications in PDFs, chasing signatures over email, and manually reconciling payments days or weeks after they hit the bank. That’s a big blind spot—and it’s costing you time, revenue, and risk exposure.

Let’s explore the gap, and how PencilPay helps you close it.

The Missing Layer in Your ERP Stack

ERPs and accounting platforms are great at what they’re built for: tracking inventory, sales, invoices, and payments. But they’re not credit control systems—and they weren’t designed to be.

Here’s where most ERPs and cloud accounting platforms fall short:

• They don’t handle credit applications or customer onboarding
  
• They don’t run automated credit checks or approvals
  
• They don’t securely store customer payment methods (like cards or bank accounts)
  
• They don’t offer structured payment plans for overdue customers
  
• They only show you data after it happens—too late to prevent risk
  

This leaves a gap between winning a new customer and actually getting paid. A gap that creates delays, admin overhead, and risk exposure.

Enter PencilPay: The Credit Control Layer You’ve Been Missing

PencilPay doesn’t replace your ERP, it enhances it.

We slot into your existing stack as a purpose-built layer for trade credit management. From onboarding to payment collection, PencilPay automates and connects the pieces your ERP doesn’t touch.

Here’s what PencilPay adds to your stack:
Smart credit applications – Fully digital, branded, and integrated with automated credit checks
Real-time approvals – Set your own rules for limits and terms
Secure payment capture – PCI-compliant storage of customer cards or bank details
Automated billing and collections – Invoice sync, auto-debits, and payment plans that reduce overdue accounts
Full visibility – Know exactly where each customer stands, at every step

All of this data flows into your ERP or accounting software—giving your team full visibility without double handling or chasing paperwork.

The Bottom Line

You’ve invested in your ERP or accounting platform to manage operations—but without a proper credit control layer, you’re still leaking time and cash through manual processes and late payments.

PencilPay is the missing piece that helps your ERP stack work harder—by automating credit, reducing admin, and giving you real-time visibility across every account.

Ready to tighten your tech stack? Book a free demo to see how PencilPay connects credit control to the systems you already use.