All your supplier payments. One place to pay.
If your suppliers use PencilPay, you get a single portal to see every invoice, choose how you pay and let your trading terms do the work. Pay by card or Direct Debit, on time, every time, without the back-and-forth.
Harbour Interiors / Supplier payments| Invoice | Supplier | Terms | Due | Amount | Method | Status |
|---|---|---|---|---|---|---|
| INV-2408 | Northgate Lighting | 30 days | Today | $4,820.00 | Visa •••• 4242 | Scheduled |
| INV-1192 | Harbourline Packaging | 14 days | 18 Oct | $2,140.50 | Direct Debit | Scheduled |
| INV-0877 | P10 Foods | 7 days | 09 Oct | $1,315.00 | Amex •••• 1007 | Paid |
| INV-2381 | Northgate Lighting | 30 days | 02 Nov | $6,305.00 | Visa •••• 4242 | Scheduled |
From trade application to paid invoice.
You deal with your supplier the way you always have. PencilPay simply takes the admin out of paying them.
Apply
Complete your supplier’s digital trade application in about 90 seconds, from any device.
Choose
Add a credit card or bank account once. Your details are tokenised and stored securely.
Trade
Order on your agreed terms. Every invoice lands in your portal as it is raised.
Pay
Each invoice is settled on its due date, or you pay early and in bulk when it suits you.
Reconcile
Receipts and statements are always available, ready for your bookkeeper.
Pay the way that works for you, not just for your supplier.
Business payment platforms have shown what buyers want: choice of payment method, control over timing and one view of everything owed. PencilPay builds that into every supplier that runs on Pencil.
Your choice of card or bank
Use the payment method that suits your business, even for suppliers who only ever took bank transfers. Visa, Mastercard, Amex and Direct Debit are all available.
Pay on your terms, automatically
Prepaid, 7, 14 or 30-day terms are collected on the due date you agreed. No reminders, no late fees, no awkward calls from accounts.
Every invoice in one portal
See what is due, what is scheduled and what is paid across every supplier that uses Pencil, instead of hunting through email threads and PDFs.
Keep cash in your business longer
Pay a 30-day invoice by credit card and your card issuer’s interest-free period starts from there. Same supplier terms, more time before cash leaves your account.
Bulk payments in one click
Select multiple invoices and settle them in a single transaction, with one receipt that is easy to match in your accounting software.
Bank-level security
Card and bank details are tokenised and handled to PCI DSS and BECS standards. Your supplier never sees your full card number.
Pay by card, even where cards were never accepted.
Many wholesalers only ever offered bank transfer. With PencilPay, every one of their customers can pay by Visa, Mastercard, Amex or Direct Debit, and switch methods at any time.
- Store a card or bank account once, use it for every invoice
- Switch methods per invoice or per supplier
- Any surcharge shown clearly before you confirm
- Card payments confirmed instantly to your supplier
Your terms do the work. You do nothing.
Once your trade account is approved, each invoice is collected on the due date you agreed. You can see every scheduled payment weeks ahead, pay early if you prefer, or simply let it run.
- Prepaid, 7, 14 and 30-day terms supported
- Scheduled payments visible in advance
- Pay early or in bulk whenever it suits you
- Instant receipts and a full payment history
More time, same supplier terms.
Paying a trade invoice by credit card means the invoice is settled on its due date while your card issuer’s own interest-free period begins. For many businesses that adds up to 55 extra days before cash leaves the account.
- Settle on time with your supplier, every time
- Use your card issuer’s interest-free period on top of trade terms
- Keep working capital for stock, wages and growth
- Interest-free period depends on your card issuer and statement cycle
Every Pencil supplier, one login.
Trade with several suppliers who use PencilPay and you still manage everything from one branded portal: invoices, statements, payment details and scheduled payments.
- See all outstanding invoices across suppliers
- Download statements and receipts any time
- Update card or bank details yourself, instantly
- Mobile-friendly, nothing to install
Harbour Interiors / Supplier payments| Invoice | Supplier | Terms | Due | Amount | Method | Status |
|---|---|---|---|---|---|---|
| INV-2408 | Northgate Lighting | 30 days | Today | $4,820.00 | Visa •••• 4242 | Scheduled |
| INV-1192 | Harbourline Packaging | 14 days | 18 Oct | $2,140.50 | Direct Debit | Scheduled |
| INV-0877 | P10 Foods | 7 days | 09 Oct | $1,315.00 | Amex •••• 1007 | Paid |
| INV-2381 | Northgate Lighting | 30 days | 02 Nov | $6,305.00 | Visa •••• 4242 | Scheduled |
No chasing, no surprises and cash in your business for longer.
For account holders.
The questions buyers ask when a supplier moves to PencilPay.
Do I need a PencilPay account to pay a supplier?
If your supplier uses PencilPay, you will be invited to a branded portal when your trade account is set up. There is no software to install and no monthly fee for account holders.
Can I pay by credit card even if my supplier didn’t accept cards before?
Yes. PencilPay gives every Pencil supplier card and Direct Debit facilities, so you choose the method that suits your business. Any card surcharge is shown clearly before you confirm.
When is money actually taken from my account?
On the due date of your agreed trading terms, whether that is prepaid, 7, 14 or 30 days. You can see every scheduled payment in advance, so there are no surprises.
Can I pay several invoices at once?
Yes. Select the invoices you want to settle and pay them in one transaction, or let PencilPay collect each one automatically as it falls due.
Is my payment information secure?
Card and bank details are tokenised and handled to PCI DSS and BECS standards. Your supplier never sees your full card number.
What if I need more time on an invoice?
Ask your supplier. Many Pencil suppliers can offer a payment arrangement from inside the platform, and the new schedule appears in your portal straight away.
Trade with a supplier on Pencil?
Pay your way. On your terms.
Log in to see your invoices, or ask your supplier about moving your trade account to PencilPay.