Wholesale and distributor payments — net-terms without the friction.
Distributors ship to retailers, contractors, and B2B accounts on net-30 with commercial card and ACH mix. Tabletop configures the gateway, the customer portal, and the Level 2/3 flow so the receivables move and the interchange stops eating margin.
Statement review, savings projection, and full tech stack recommendations.
What we hear on the ground.
What we hear from distributor and wholesale finance leads:
- Net-30 invoicing aging into net-45+ because customers don't have a friction-free pay path.
- Commercial card interchange running higher than necessary because Level 2/3 data isn't passing.
- ACH option not exposed in the customer portal — so even big-invoice customers default to card.
- Multiple warehouses or branches with separate processor relationships and no consolidated rate negotiation.
- Reconciliation hours every week matching deposits to invoices in the ERP.
How Tabletop solves it.
Concrete service layer:
- Level 2/3 interchange configured. Commercial card volume qualifies for lower rate — basis points back per transaction.
- ACH on the customer portal. Default path for invoices over a threshold. Costs go down, friction goes down.
- Customer portal with stored payment methods. Customers log in, pay invoices, see history. Friction reduction = faster receivables.
- Consolidated processor relationship across branches. One rate negotiation, consolidated reporting, settlement to the right entity per branch.
- Inventory-aware billing. For distributors with strong inventory complexity, we integrate the billing layer with the inventory layer so SKU pricing, volume tiers, and customer-specific pricing flow cleanly into invoicing.
The stack we deploy.
Common pieces in a distributor build:
- Payarc CRM — gateway, invoicing, recurring, ACH, customer portal.
- YellowDog — inventory management for SKU-heavy distributors.
- Rise CRM — customer relationship layer for B2B account management.
- Working capital — for inventory builds, seasonal stock, and growth-driven cash.
What you actually save.
Real savings depend on your card mix, your average invoice size, and your branch structure. Typical surfaces:
- Level 2/3 savings. Distributors with 50%+ commercial card mix typically leave 50-80bp on the table per transaction without the right gateway config. Real money at scale.
- ACH conversion. Large invoices belong on ACH. Moving 30-50% of volume to ACH at distributor scale is significant.
- Branch rate consolidation. Different branches paying different rates without leverage means the company is paying multiple times over. One consolidated relationship pulls the rate down.
Illustrative figure ranges only. Actual savings depend on your statement, your card mix, and the program you select.
Questions, answered.
How does Level 2/3 commercial card processing apply to distributors?
Distributors ship a lot of volume on purchasing cards and corporate cards. Each of those transactions can qualify for reduced interchange when Level 2 or Level 3 data is passed. Configuration is one-time; savings are recurring.
Can the system handle volume tiers and customer-specific pricing?
Yes. Inventory-aware billing handles per-customer pricing, volume tiers, and contract pricing flowing into invoicing automatically.
Will the system integrate with our ERP and inventory system?
We integrate with the major distribution ERPs (NetSuite, SAP, Sage, Acumatica, others) and inventory platforms. Settled payments flow back to the GL with auto-matching.
How do we handle multiple warehouses or branches?
One processor relationship at the corporate level with consolidated reporting; settlement happens to the correct entity per branch. Rate negotiation is done once at scale.
Can customers pay by ACH or only card?
Both. ACH is exposed as the default for invoices over a configured threshold. Customers can store both ACH and card on their portal account.
Get a real cost picture for your distribution operation.
Send your most recent processor statement and a sample month's invoice detail. We will model the Level 2/3 savings, the ACH conversion opportunity, and the consolidated-rate impact.
Complimentary Cost AnalysisStatement review, savings projection, and full tech stack recommendations.