APTC Australia cut debtor days by 57% and freed 1.5 staff hours a day
A trade supplier replaced manual EFTPOS card processing and card details stored in MYOB with PencilPay credit applications and automatic card collection. Debtor days fell 57% and staff saved 1.5 hours every day.
- Customer
- APTC Australia
- Industry
- Construction supplies
- Location
- Australia
- Payment terms
- Prepaid and 30-day EOM
- PencilPay products
- Pencil Trade, Pencil Pay
- Integrations
- MYOB
- Headline result
- 57% fewer debtor days
Before PencilPay
Before PencilPay, APTC Australia stored customer credit card details inside MYOB customer files and processed around 25 card transactions a day by hand through a physical EFTPOS terminal.
The process consumed about 1.5 staff hours every day, was prone to keying errors, created a security and PCI exposure, and delayed payments. Trade customers ordering by phone, in store or sending workers to collect goods had to present a card each time.
What APTC Australia implemented
Digital credit applications
Customers apply online through PencilPay and are set up on either prepaid or 30-day end-of-month terms. The same application captures a payment authority.
Secure card on file
Card details are tokenised and stored in PencilPay, not in MYOB, so APTC is PCI compliant without handling card numbers.
Automatic collection on invoice
When an invoice is authorised in MYOB, PencilPay charges the stored card, marks the invoice paid and clears the order for delivery or pickup.
Frictionless trade counter
Phone, in-store and collect-on-site orders no longer require the customer to physically present a card.
What changed
Debtor days down 57%
For customers onboarded to PencilPay, average debtor days dropped by 57%.
1.5 hours saved daily
Manual card processing was eliminated, returning about 1.5 staff hours to the team every day.
Better customer experience
Trade customers pay seamlessly whether they order remotely, in store or send someone to collect.
About this story
What did APTC use before PencilPay?
Card details were kept in MYOB customer files and charged manually through an EFTPOS terminal, about 25 transactions a day.
Which PencilPay features did APTC implement?
Digital credit applications with prepaid and 30-day EOM terms, tokenised card storage and automatic charging when an invoice is authorised in MYOB.
What were the measured results?
A 57% reduction in average debtor days for PencilPay customers and 1.5 staff hours saved per day.
Other wholesalers who stopped chasing.
The Bean Cartel
Specialty coffee roaster · Melbourne, Victoria
A Melbourne coffee roaster used PencilPay digital supply agreements and automatic collection 7 days after invoice to stop customers drifting out of their weekly billing cycle, recover invoices more than 10 weeks overdue and cut admin for sales staff and owners..
Scicluna’s
Fresh produce wholesaler, est. 1963 · Australia
A fresh produce wholesaler with about 80% of customers on 7 to 30-day EOM terms connected PencilPay to MYOB Acumatica to onboard venues, contract every account and collect each weekly invoice automatically.
Alti Lighting
Custom lighting supplier · Western Australia
A Western Australian custom lighting supplier with sales cycles of up to two years replaced ad hoc deposit collection with PencilPay payment requests from the quote, automatically synced to DEAR (Cin7) and Xero.
