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Sectors & ecosystems

FMCG & Retail

Collect in the field, finance small retailers and pay suppliers faster.

FMCG distributors serve many small retailers through field sales teams, often collecting cash by hand. Retail chains, meanwhile, face constant pressure from suppliers waiting to be paid. Paynion digitises field collections and connects retailers, chains and suppliers to financing.

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Challenges we hear

01

Cash collected by hand

Field reps carry cash and cheques, creating security risks and reconciliation gaps.

02

Small retailers lack credit

Corner shops struggle to access credit, which limits what they can order.

03

Suppliers press for payment

Chain suppliers want early payment, while the chain wants to keep its terms.

How Paynion helps

FinansZ

Field teams take orders and accept cards on their phones with SoftPOS, while collections post straight to the retailer's current account. Retailers can also pay by payment link or virtual POS.

Financing Infrastructure

Run supplier finance for chain suppliers with invoice capture and buyer approval, and give distributors' retailers limits that are collected through DBS.

Paynion Gate

Adds instant FAST collections and payouts, so payments from retailers and to suppliers move without delay.

Use cases

SoftPOS collection on the route

A distributor's sales rep takes the order and the card payment at the shop with a phone; the balance updates instantly.

Early payment for chain suppliers

A retail chain approves supplier invoices, and suppliers are paid early through a financier while the chain keeps its terms.

How it works

How field collection works

  1. 1

    Plan the route

    Reps see their customers, open balances and due payments in the mobile app.

  2. 2

    Take the order

    The order is entered at the shop and stock updates centrally.

  3. 3

    Collect by card

    The retailer pays by contactless card on the rep's phone with SoftPOS, or later via payment link.

  4. 4

    Issue the e-invoice

    The e-invoice is issued and the payment posts to the current account.

  5. 5

    Reconcile centrally

    Finance sees every collection and bank movement on one screen.

Sectors & ecosystems

See all industries

Automotive

Dealer financing, spare-parts ordering and collections for OEMs, distributors and their dealer networks.

  • Financing Infrastructure
  • FinansZ
  • Paynion Gate

White Goods & Electronics

Limit, order and collection management for brands and distributors with dense dealer and sub-dealer networks.

  • Financing Infrastructure
  • FinansZ

Agriculture

Input financing and collections for fertiliser, seed, feed and machinery dealers and cooperatives.

  • Financing Infrastructure
  • FinansZ

Let's launch your first product without touching your existing systems

Tell us which product you want to start with — we'll shape the PoC together.

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