In wholesale and manufacturing, margins are tight, logistics are complex, and cash flow is king and yet – many businesses are still making it hard for their customers to pay them.
They send invoices as PDFs, they rely on “please find attached” and “remittance advice to follow.” and wait for the customer’s accounts team to process it “next run.”
Then they wonder why their debtor days blow out.
But here’s the truth:
The most profitable upgrade you can make to your business isn’t a new machine, a new ERP, or another software subscription.
It’s a button right on your invoice that says: Pay Now.
Why It Works
B2B buyers are still people. They crave convenience.
When you make it easy for someone to pay — instantly, without logging into a portal or opening their bank — they do it.
It’s not rocket science. It’s friction.
Every extra step between an invoice and a payment adds friction.
Every delay adds risk.
But a simple Pay Now button changes the psychology of payment.
It shifts the customer from “I’ll do it later” to “I’ll just do it now.”
And when hundreds of customers make that same decision, your cash flow transforms overnight.
The Numbers Don’t Lie
Businesses that embed payment links into their invoices and sales orders see:
- 30–50% faster payments on average.
- Lower debtor days without needing to chase.
- Fewer overdue accounts because customers act on impulse, not reminders.
It’s the digital equivalent of putting your EFTPOS machine at the counter instead of in the back office.
When it’s there — visible, effortless, immediate — the transaction happens faster.
The Old Way vs. The New Way
Old Way:
- Send invoice →
- Wait for accounts payable →
- Hope they process it next run →
- Chase with reminders →
- Maybe get paid 45 days later.
New Way:
- Send invoice with embedded payment link →
- Customer clicks “Pay Now” →
- Money moves.
That’s it. No chasing. No manual reconciliation. No waiting weeks for cash that should’ve cleared days ago.
Beyond Convenience: Control
The Pay Now button isn’t just about speed — it’s about control.
When you control how customers pay, you control how fast your business grows.
You can:
- Offer instant deposits to secure large orders.
- Set up automated payment plans for repeat customers.
- Enforce credit terms digitally with built-in card or bank payments.
It’s how you turn cash flow from a constant headache into a predictable system.
The Psychology of Instant Payment
Customers won’t always tell you this — but they like paying fast when it’s easy.
They don’t want to miss early payment discounts.
They don’t want to deal with reminders or calls from your AR team.
They just need a clear, simple path to do it.
That’s why consumer payments went contactless years ago.
And it’s why B2B payments are finally catching up.
The Bottom Line
If you sell B2B and you’re still sending plain invoices with no payment option, you’re leaving money on the table — literally.
Because every invoice you send without a Pay Now button is one more opportunity for your customer to forget, delay, or deprioritise payment.
The fastest path to better cash flow, lower admin, and higher profits isn’t complicated.
It’s one button.
Pay Now.
PencilPay adds Pay Now buttons to your invoices, quotes, and sales orders — with integrated payment plans, digital credit applications, and automatic reconciliations.
See how PencilPay turns your invoices into instant payment engines.