Every AR Team Fights these Same Two Battles

If you manage accounts receivable for a distributor, your day probably looks a lot like everyone else’s. You’re doing two things, over and over:

1. Chasing payments.
2. Reconciling them once they finally come in.

That’s the constant tension in distribution: Getting operators to pay what they owe, and making sure those payments are mapped correctly. But the issue is that most payment products only address the first problem, and only partially. They help you run a transaction, but not actually collect money.

Pepper’s collections toolset was built for distributors who need more than a way to run cards or pull an ACH. It helps AR teams capture more payments, automate reconciliation, and save hours of manual work every single day.

Why Simply Accepting Payments Is a Commodity

Running a transaction (tapping a card, typing in numbers, processing an ACH) is a commodity. Every payment provider can do it.

But in the real world, operators rarely want to pay the exact invoice amount. They dispute items, send partial payments, or make weekly installments on a running balance. And in nearly every case, distributors take what they can get because something is better than nothing. 

Basic payment tools can’t handle that nuance. They’ll take the money, but leave your AR team to figure out what it was for. That’s the commoditized partial solution to one of the two problems above.  The innovative tool that AR teams really need is a solution that meets payers where they are, removes friction from the payment process, has the flexibility to collect in whatever mode and frequency payers desire, and helps your team apply every dollar to the right place automatically. That’s where Pepper comes in.

Pepper Helps Distributors Collect More Money

Pepper was designed for how distributors actually get paid, not how payment processors think they do. To do that, we:

Meet operators where they are

Operators can pay invoices the same way they place orders – right inside the Pepper app. They can also:

• Pay from a link via text or email - Both AR teams and DSRs can generate secure payment links for selected invoices, and these links can be shared via text, email, or even WhatsApp, allowing operators to pay immediately without logging into an app or portal.
• Enroll in autopay or structured payment plans - Set it and forget it! Create dedicated autopay plans for different customers and allow them to enroll
• View detailed statements and download PDFs - Operators may need PDFs to see all of their charges, but they can’t pay from a PDF. Export Invoice as PDF’s or send live statements that they can pay from digitally.

When it’s simple to pay and easy to understand what’s being paid, collections go up.

Automate collections, not just transactions

Pepper helps distributors turn unpredictable payments into predictable cash flow. Autopay, payment plans, and even fee passthroughs can be set up directly inside the platform - without manual intervention. Furthermore, Pepper AR tools are flexible enough to collect however customers want to pay – Weekly on a specific day? No problem! Biweekly for invoices up to the previous Saturday? Easy. Monthly on the last day of the month with a maximum of $15k? Say no more.

Pepper’s Collections Toolset Makes AR Teams’ Lives Easier

The second half of every AR team’s day is reconciliation, and that’s where Pepper does the heavy lifting.

Scale with bulk payments

For teams managing hundreds of accounts, Pepper’s bulk upload feature can turns hours of work into minutes. Upload a spreadsheet of customers and invoices, and Pepper processes them all at once. Tasks that once took five hours now take thirty minutes, and everything syncs cleanly back to your ERP.

Automatic reconciliation

Every transaction in Pepper is tied to specific invoices and credit memos. When a payment posts, Pepper knows exactly how much applies to each document and syncs it automatically to your ERP. No manual matching, no spreadsheets.

Real-time ERP sync

Because Pepper communicates directly with your ERP, balances stay accurate and reporting stays reliable. Payments are posted automatically, keeping your books current without extra effort.

Faster funding

With next-day payouts, your team can close the loop on collections quickly. Cash moves faster, and AR teams can spend time on what actually drives growth.

Coming Soon: Payment Terminals at Will Call

Pepper is expanding its collections capabilities even further with Pepper Payment Terminals, which will enable distributors to accept card payments at walk-ins and will call. Soon, the same automation and transparency available online will meet operators wherever transactions happen.

Click here to get the latest updates to Pepper’s Collection tools

The Bottom Line

Commodity payment tools help you process transactions.
Pepper helps you collect.

By combining flexibility for operators, automation for AR teams, and deep ERP integration, Pepper turns payments from a task into a system.

Because in distribution, getting paid shouldn’t be this hard. And with Pepper, it isn’t.

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