Byars Packaging replaced phone card payments with secure stored cards and automatic collection on 7, 14 and 30-day terms
A Geelong packaging supplier to restaurants, cafes and retailers stopped taking card numbers over the phone. PencilPay stores encrypted card details, enforces each customer’s terms and syncs with Xero and Cin7, saving hours of admin and bringing payments in on time.
- Customer
- Byars Packaging
- Industry
- Packaging suppliers
- Location
- Geelong, Victoria
- Payment terms
- 7, 14 and 30-day terms
- PencilPay products
- Pencil Pay, Pencil Finance
- Integrations
- Xero, Cin7 Core
- Headline result
- Xero + Cin7 connected
Before PencilPay
Byars Packaging supplies hospitality and retail packaging to restaurants, cafes and retailers around Geelong. As the customer base grew, many customers paid by reading card details over the phone, which was slow, insecure and meant re-keying every transaction.
Customers sat on a mix of 7, 14 and 30-day terms, so keeping everyone to their schedule meant constant follow-ups.
What Byars Packaging implemented
Encrypted card on file
Customer card details are tokenised and stored in PencilPay, so staff never handle card numbers.
Collection on agreed terms
PencilPay charges each invoice automatically when its 7, 14 or 30-day term falls due.
Terms enforced by the system
Payment schedules are applied consistently, so customers keep to what they agreed.
Xero and Cin7 in sync
Invoices flow in and payments flow back, so reconciliation is automatic.
What changed
Secure, compliant payments
Customers trust the encrypted system and the business carries less risk.
Hours of admin saved
No manual card processing and no chasing overdue invoices.
Cash in on time
Payments are collected to terms, giving the business stable cash flow.
About this story
How did Byars Packaging take payments before PencilPay?
Mostly by card over the phone, with details entered manually, across 7, 14 and 30-day terms that required constant follow-up.
Which systems does PencilPay integrate with at Byars?
Xero for accounting and Cin7 Core for inventory and orders.
Are card details stored securely?
Yes. Cards are tokenised and encrypted in PencilPay to PCI DSS standards, and staff never see full card numbers.
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