Get paid on your terms.
From credit application to payment, fast. Manage high-volume trade accounts with automated collections and one-click reconciliation.
Dashboards / Trade desk| Invoice | Customer | Terms | Due | Amount | Collection | Status |
|---|---|---|---|---|---|---|
| INV-2408 | Harbour Supply Co. | 30 days | Today | $4,820.00 | Charging | |
| INV-2397 | Northside Cellars | 7 days | 12 Sep | $2,140.00 | Scheduled | |
| INV-2381 | Bean & Co Roasters | 14 days | 19 Sep | $6,305.00 | Scheduled | |
| INV-2362 | Northgate Lighting | Pre-paid | Paid | $1,180.50 | Reconciled | |
| INV-2340 | Coastal Pet Supply | 30 days | 3 days over | $3,275.00 | Reminder sent | |
| INV-2311 | Harbourline Packaging | 30 days | 7 days over | $9,940.00 | Plan offered |
One platform. Three ways to take control of getting paid.
What sets PencilPay apart isn’t just what we build, but how the pieces fit together. These are the three products that underpin every trade account we manage.
PayPencilPay puts the supplier back in charge of when they get paid. Payment authority is captured at onboarding, every invoice is collected automatically on the agreed Pre-paid, 7, 14 or 30-day terms by card or Direct Debit, and funds settle the next business day. Cash flow is decided by your terms, not your customers’ habits. The result is fewer debtor days, lower receivables and no chasing.
TradeEverything between a new enquiry and an approved account. Branded digital credit applications collect the right information once; real-time ABN, company and credit checks turn it into a clear decision; configurable limits and terms are applied consistently. A customer payment portal then lets every account view invoices, pay and manage their own details without calling you.
FinanceOnce the money moves, Pencil Finance does the bookkeeping. Automatic payments are matched to their invoices, bank reconciliation is a single click, ledger updates flow to Xero, MYOB, NetSuite or Cin7, and credits are applied the moment they’re due, while warehouse and logistics are told automatically when an order is cleared to ship.
Stop chasing. Start scaling.
PencilPay digitises the entire wholesale workflow: from a 90-second credit application to automated collections and clean reconciliation.
Own when you get paid
Your customers no longer decide when an invoice is paid. Payment authority is agreed at onboarding, so each invoice is collected automatically on the terms you set, and the money lands on the day you expect it.
Accounts receivable90-second digital onboarding
Replace PDF forms with a branded application that captures ABN data, runs real-time checks and stores payment authority.
Customer onboardingNext-business-day cash
Remove the usual processor lag with predictable settlement into your Australian bank account.
See settlementsOne-click reconciliation
Batch transactions to match bank statements and reconcile hundreds of daily invoices without adding headcount.
Deposits & reconciliationThe best models. One platform. Zero lock-in.
PencilPay connects your accounting, inventory and commerce systems in one orchestration layer, so customer terms, invoices, payments and reconciliation stay perfectly in sync.
Wholesalers who stopped chasing.
Local support. Bank-grade protection.
24/7 Australian support
A local team available by phone, chat or email.
PCI DSS
Global payment protection standards used by major card networks.
BECS compliant
Automated Direct Debit processed to Australian banking standards.
Encrypted infrastructure
Trade account and customer information kept private and secure.