Industries / Manufacturers

Manufacturer payments — large-invoice economics, done right.

Manufacturers ship five-figure invoices to dealers, distributors, and direct B2B accounts. Tabletop configures the gateway, the customer portal, the Level 2/3 commercial card flow, and the ACH option so large-invoice volume runs at the right rate — and your ERP gets clean reconciliation back.

Complimentary Cost Analysis →

Statement review, savings projection, and full tech stack recommendations.

What we hear on the ground.

What we hear from plant controllers and manufacturer finance teams:

  • Five-figure invoices on commercial cards at non-qualified interchange — quietly costing 80-100 basis points more than necessary.
  • Dealer and distributor net-terms invoicing aging because there's no good customer portal.
  • ERP integration that 'works' but requires a person to manually match deposits to invoices weekly.
  • ACH not exposed to customers because the gateway wasn't set up that way.
  • Multiple processor relationships across plant locations — no consolidated reporting, no leverage on rates.

How Tabletop solves it.

Concrete service layer:

  • Level 2/3 commercial card interchange. Configured at the gateway so purchasing cards and corporate cards qualify for the lower rate. Real basis points back.
  • ACH on the customer portal. Large invoices on ACH cost a fraction of a percent. We set up verification and exposure so customers default to ACH on five-figure invoices.
  • ERP integration done right. Settled payments flow back into the ERP (NetSuite, SAP, Sage Intacct, others) with auto-matching to invoices. Manual reconciliation hours come back.
  • Consolidated processor relationship. Multiple plants, multiple locations, one processor relationship with consolidated reporting and one set of rates.
  • Customer portal for dealers and distributors. Stored payment methods, invoice history, pay-by-link, ACH default. Friction goes down; receivables move.

The stack we deploy.

Common pieces in a manufacturer build:

  • Payarc CRM — gateway, invoicing, recurring, ACH, customer portal.
  • YellowDog — inventory and SKU management for SKU-heavy manufacturers.
  • Rise CRM — dealer and distributor relationship layer.
  • Traditional payment program — right structure for commercial-card-heavy manufacturer billing.
  • Working capital — for production runs, inventory builds, and seasonal cash needs.

What you actually save.

Real savings depend on your card mix, your average invoice size, and your current ERP integration. Typical surfaces:

  • Level 2/3 interchange savings. Manufacturers running 60-70% commercial card mix on five-figure invoices typically leave 50-100bp on the table per transaction. At scale, this is the biggest single win.
  • ACH conversion. Five-figure invoices belong on ACH. Moving even 40% of card volume to ACH at a manufacturer's scale is significant.
  • Reconciliation labor. Manual matching of deposits to invoices costs real hours weekly. ERP-integrated auto-matching pulls that back.

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 work?

Visa and Mastercard offer reduced interchange on commercial card transactions when additional data is passed (tax, customer code, line items). Configuring the gateway to pass that data is one-time setup work; the savings are recurring on every transaction. Most processors don't volunteer to do this.

Will the system integrate with our ERP?

We integrate with the major manufacturing ERPs (NetSuite, SAP, Sage Intacct, Microsoft Dynamics, others). Settled payments auto-match to invoices and flow back into the GL with the right account coding.

Can dealers and distributors pay through a portal?

Yes. Customer portal with stored payment methods, invoice history, and pay-by-link. ACH is exposed as the default for large invoices.

How do you handle multiple plant locations?

One processor relationship across all locations with consolidated reporting. Rate negotiation happens once at the corporate level; settlement still happens to the right entity per location.

Get a real cost picture for your manufacturing 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 ERP integration impact.

Complimentary Cost Analysis

Statement review, savings projection, and full tech stack recommendations.