Hundreds of retail customers. Zero excuses for not getting paid on time.
Every day, wholesale businesses lose cash to late payments, manual chasing, and payment terms that nobody enforces. PencilPay puts a stop to it. Automated credit checks, enforced terms, and payments collected on time, without your team lifting a finger.
The problem
You've earned the revenue. You just haven't been paid it yet.
Sound familiar? Every wholesale business with retail customers faces the same slow drain, and it gets worse in July.
“I’ll transfer it Friday.”
Across hundreds of customers, thousands of transactions, partial payments and broken payment terms quietly hurt your business. Friday becomes the following week, then the week after.
7 days becomes 30. Then whenever.
Without enforcement, payment terms drift. And when PayDay Super obligations land on top, the gap between what you’re owed and what you owe becomes a cash flow crisis.
Late retail payments force compromises, dipping into overdrafts, stalling supplier orders, putting growth decisions on hold. It adds up faster than you think.
60% reduction in debtor days reported by PencilPay customers
7,14 & 30 day payment terms automated across every customer
Next day bank settlement on all payments
Zero manual follow-ups needed once you’re live
How it works
Stop waiting. Start scaling.
PencilPay connects to your existing systems and handles the entire retail customer lifecycle without your team lifting a finger.
Connect to your system in days
PencilPay integrates directly with MYOB Acumatica, NetSuite, and Cin7. No lengthy implementation. No disruption to your existing workflows. You’re live in days, not months.
Automate your customer credit checks
Every new retail customer goes through automated credit checks before terms are extended. Know who you’re dealing with before you’re chasing them.
Enforce 7, 14 & 30-day payment terms automatically
Your terms are your terms. PencilPay enforces them across every account, daily, weekly, fortnightly orders, mixed terms, thousands of transactions, without a single manual follow-up from your team.
Cash hits the bank. On time. In full.
Every retail customer pays when they should. Plus, we have next day settlement. Your team stops chasing and starts focusing on growth. And when PayDay Super hits in July, your cash flow is ready for it.
Who it's for
Built for wholesale leaders who are done waiting to get paid.
Business owners: Stop managing hundreds of retail customers manually.
You built this business. You shouldn’t be stuck in spreadsheets chasing invoices. PencilPay handles it, so you can focus on growth, not reconciliation.
C-suite / Directors: Full visibility. Zero blind spots.
Real-time credit visibility across every retail customer. You’ll know exactly who owes what, when it’s due, and whether your cash flow can handle what July brings.
Finance and operations: Your team didn’t sign up to chase invoices all day.
Automated payment terms, real-time credit visibility, and zero manual chasing, so your team runs the numbers, not the excuses. One workflow. Full control.
The Shift
Draw the line on late retail payments.
Here’s the difference PencilPay makes from day one.
Before PencilPay:
- PDF credit applications processed by hand
- Multiple systems open at once, nothing talking to each other
- Phone calls, follow-up emails, and manual reconciliations eating up your team's day
- Waiting 3-5 days for payments to clear
- The same customers being chased every single week
- Dipping into overdrafts to cover invoices that should already be paid
After PencilPay:
- Credit checks run automatically before terms are extended
- Payment terms enforced across every account, without anyone lifting a finger
- Every retail customer pays on time and in full
- Next day bank settlement, every time
- Your team focused on the business, not the chase
- Cash in the bank before PayDay Super hits in July
See how we can solve cash collection across all your retail customers right now.
In 30 minutes, we’ll show you exactly how PencilPay can automate your payment terms, reduce debtor days by 60%, and get your cash flow ready for July, without adding to your team.
No commitment. No sales pressure. Just 30 minutes to see if PencilPay is right for your business.