Retail and Commerce
Accelerate your retail and commerce cash receipts with the CashOnTime AI
In retail, selling quickly does not mean cashing in quickly.
Turn your invoices into predictable cash flow despite high volumes, extended customer payment terms, frequent trade deductions, and complex batch payments.
Adopted by many players in the distribution and retail sectors.
High volumes and tight margins: the financial challenges of retail and commerce
In retail and commerce, growth is based on volumes, fast sales turnover, multiple channels (retail, e‑commerce, B2B), and strong contractual relationships with professional customers, chains, or resellers.
But this model generates a structural complexity of the accounts receivable, which directly slows down the transformation of revenue into cash.
As volumes increase, each difference becomes an immediate cash risk.
The finance departments of the industry face clearly identified challenges:
- Very high volume of invoices, often with a low unit amount
- Payment terms imposed by chains, buying groups, or large accounts
- Frequent trade deductions (discounts, rebates, logistic penalties)
- Disputes related to delivery differences, promotional terms or returns
- Complex cash receipts flows (batch, multi-invoice, multi-entity payments)
When cash receipts put pressure on cash flow
Long lead times and limited visibility
Between extended contractual terms, batch payments, and varying practices depending on the customer, answering a question like how much will we get paid this month? becomes anything but simple.
Trade deductions and recurring disputes
Discounts not applied, logistic penalties, disputes over delivered quantities or product returns: as long as the issue is not clarified, the payment is partial or blocked.
High operational
load
Manual matching, analysis of deductions, exchanges between finance, logistics and commerce… Teams spend time reconstructing information instead of steering cash flow.
In retail and commerce:
Contractual terms:
45 to 60 net days
Average delay observed:
+ 10 to 15 days
Actual cash receipts: 55 to 75 days
Invoices are frequently paid between 55 and 75 days, or even more in case of deductions or disputes.
The issue is therefore not only to accelerate collection, but to regain control of the Invoice-to-Cash cycle in a high-volume, low-margin environment.
The CashOnTime AI serving the cash receipts in retail and commerce
CashOnTime automatically segments customers and invoices based on their actual payment behaviors. Actions are triggered at the right time only on at-risk invoices.
Result: fewer unnecessary dunning, more impact on cash receipts.
The AI identifies recurring patterns in the industry: customers consistently applying deductions, frequent promotional disputes, delays related to certain channels or trade periods.
Concretely: bottlenecks are detected upstream before they impact cash.
Trade deductions are centralized, qualified, and tracked. Valid amounts are processed quickly and abusive deductions are identified and challenged.
Direct effect: you collect significantly more cash that was unfairly withheld.
CashOnTime automatically reconciles payments, even when a total transfer covers hundreds of invoices with interspersed deductions.
The result: a reliable accounts receivable and a significant reduction in manual matching.
The forecasts include sales volumes, customer profiles, recurring deductions, and payment histories.
Result: a clear view of cash at 30, 60, and 90 days to optimize financial decision-making.
Would you like to see how CashOnTime secures your cash receipts on a large scale?
Features designed for the challenges of retail and commerce
CashOnTime integrates features specifically designed to handle high volumes, adapt to the payment practices in your industry, and efficiently handle differences (deductions, disputes, partial payments).
Securing cash against customer deductions and penalties
Centralization, qualification, and traceability of all deductions and differences (logistics, trade, quality).
Valid amounts are processed quickly, while abusive deductions are identified, challenged, and monitored until collection.
Key benefit: less cash tied up, more amounts collected.
Reliable cash receipts through automatic reconciliation
Reconciliation by artificial intelligence of transfers covering hundreds or thousands of invoices, even with deductions, differences, or partial payments.
CashOnTime reads transfer advices, reconstructs complex payments, and automates matching.
Key benefit: a reliable accounts receivable, with no manual reprocessing.
Adapt the dunning to your customers' payment practices
Customized dunning scenarios by type of customer, entity, credit rating, or collection segment, integrating all your criteria.
Actions are triggered at the right time only on real-risk accounts.
Key benefit: fewer unnecessary dunning, more impact on cash receipts.
Manage cash receipts by customer, work queue, entity…
Customizable and configurable dashboards, dedicated to monitoring:
- balance and delays,
- deductions and disputes,
- amounts to be recovered,
Key benefit: a clear view of cash risks and action priorities.
AAnticipate bottlenecks with financial information connectors
Detection of changes in the level of risk of accounts receivables (recurring disputes, frequent penalties, atypical payment behaviors).
Teams are alerted in real time by notifications.
Key benefit: address issues upstream, secure future cash receipts.
Forecast cash receipts with AI
Cash flow forecasts based on each customer’s unique payment habits.
Key benefit: a realistic cash forecast, actionable for steering WCR.
Collaborate easily
Keep complete traceability of each exchange and decision to secure your actions and gain responsiveness:
- Integration of incoming and outgoing emails directly into CashOnTime
- Discussions (chat) with all employees involved
- Real-time tracking of invoices, from matching to collection
Key benefit: disputes resolved faster, fewer invoices blocked.
Streamline the cross-dispute processing
Collaborative workflow involving finance, sales administration, logistics, and commerce to accelerate dispute resolution and release payments.
Key benefit: less in-house friction, shortened resolution times.
Easily integrate into your existing ecosystem
Seamless API or file-based connection to ERPs, approved platforms (PDP/AP), invoicing tools, EDIs, and accounting systems to secure the entire Invoice-to-Cash cycle without disruption.
Key benefit: rapid deployment without challenging the existing system.
How does CashOnTime fit into your Invoice-to-Cash cycle?
CashOnTime fits into your existing tools (ERP, invoicing, EDI, accounting) to secure every stage of the cycle.
Before invoicing
CashOnTime centralizes customer information, commercial terms, credit insurance coverage, and payment histories to manage customer risk upstream. The solution consolidates information from credit insurance and factoring to provide a unified view of the customer work queue and the balance actually secured.
Invoicing
CashOnTime centralizes issued invoices and monitors their entire lifecycle, including through Chorus Pro and partner dematerialization platforms (PDP). Statuses, comments, and rejections are automatically integrated to make collection more reliable, reduce processing times, and prepare for the widespread adoption of electronic invoicing among all customers.
After invoicing
Targeted dunning, structured dispute management, and monitoring of trade deductions.
Cash receipts & payment reconciliation
Automatic reading of remittance advices, multi-invoice reconciliation, and management of batch payments.
Steering
Real-time dashboards and actionable cash receipts forecasts for the financial management.
Retail and commerce (example)
A B2B retailer issues
3,500 invoices per month
to reseller networks and large account customers.
3,500 invoices per month
€1.8 million has been received, covering 420 invoices,
with €95,000 of trade deductions (discounts, logistic penalties, promotional disputes).
CashOnTime automatically reconciles the whole set, qualifies each deduction, distinguishes contractual amounts from those to be challenged, and feeds the amounts to be collected into the dashboards.
Regain control of your cash receipts from retail and commerce
- Quick integration into your existing system
- Adapted to high volumes and to the practices of the chains
- ROI measurable from the first months
A CashOnTime expert analyzes your context and presents you with a demonstration tailored to your challenges.
FAQ about CashOnTime and retail and commerce
Yes. The solution is designed to manage thousands of monthly invoices and complex cash receipts flow processes.
They are centralized, automatically qualified, and tracked for easy processing and collection.
Yes. CashOnTime automatically reconciles transfers covering numerous invoices, even without detailed references.
Yes. Cash receipts can be analyzed by customer, channel, or entity for precise steering.
Yes. Possible integration with the major ERPs, EDI tools, and invoicing systems on the market.
