Credit Management
Credit & Payments Built for Wholesale
Bulktify's credit management system gives wholesale distributors complete control over retailer credit — from per-customer credit limits and net-30/60 payment terms to automatic invoicing, payment reminders, and integrated payment processing with AcceptBlue for ACH bank transfers, credit card surcharge compliance enforced automatically by state, and complete payment tracking.
How Bulktify Credit Management Works
From credit approval to payment collection in four steps
Set Credit Terms
Configure credit limits per retailer or customer group. Assign net-30 or net-60 payment terms through the rules engine.
Auto-Invoice on Order
Invoices generate automatically when orders are created or approved, with correct terms and due dates.
Collect Payments
Retailers pay by credit card, debit card, or ACH bank transfer. Surcharges apply compliantly where required.
Track & Remind
Monitor credit utilization, aging reports, and payment history. Automated reminders follow up on overdue invoices.
Why Wholesalers Choose Bulktify for Credit Management
Automated financial workflows that reduce manual follow-up and payment delays
Per-Customer Credit Limits
Set and enforce credit limits per individual retailer or by customer group. Orders exceeding limits route for approval automatically.
Flexible Net Terms
Offer net-30 or net-60 payment terms by customer group. Terms are enforced at checkout and reflected on every invoice.
Automatic Invoicing
Invoices generate automatically on order creation with correct payment terms, due dates, and line items. No manual invoice creation.
Smart Payment Reminders
Overdue invoices trigger automated email reminders. Failed payments are retried on a configurable schedule via AcceptBlue.
Integrated Payment Processing
AcceptBlue processes ACH bank transfers and credit card payments with per-tenant gateway configuration. Credit card surcharge compliance is automated by state.
Surcharge Compliance
Automated credit card surcharge enforcement by state with BIN-level card detection and legally required disclosures.
Credit Features in Detail
End-to-end financial management for wholesale operations
Credit Limits, Net Terms & Approval Workflows
Bulktify lets you set credit limits per individual retailer or by customer group, with real-time utilization tracking visible to both admins and retailers. Net-30 and net-60 payment terms are configured through the rules engine by customer group and enforced automatically at checkout and on invoices. When a retailer's order would exceed their credit limit, the order routes through approval workflows before processing — preventing unauthorized shipments and credit overruns while keeping the ordering process smooth for trusted accounts.
Auto-Invoicing, Payment Reminders & Collection
Bulktify generates invoices automatically when orders are created or approved — each invoice includes correct payment terms based on customer group rules, calculated due dates, line items, and applicable taxes. When invoices become overdue, configurable email reminders notify retailers. Automated payment retries process failed payments on a schedule (immediate retry, +3 days, +7 days). Admins track overdue accounts, reminder status, and collection progress from the credit management dashboard with aging reports broken down by bucket.
Payment Processing & Surcharge Compliance
Bulktify provides integrated payment processing with AcceptBlue for ACH bank transfers and credit card payments. Gateway configuration is per-tenant, giving each wholesaler control over which payment methods are available. Credit card surcharge compliance is automated by state — BIN-level detection identifies card type at checkout, applies the correct surcharge percentage (capped at statutory limits), displays legally required disclosures, and excludes debit cards and prohibited states automatically. Complete payment history and credit transaction audit trails are maintained for every retailer.
Related Features
Frequently Asked Questions
Have more questions about Bulktify's credit management? Contact our team.
Ready to automate your wholesale credit and payments?
Start managing credit limits, invoicing, and payment collection from one platform. No credit card required.
No credit card required • Free 14-day trial • Cancel anytime