Distributors and suppliers move a significant amount of product every single day. Pallets get loaded, trucks get routed, and orders get fulfilled with a level of precision that would make most industries jealous. Then it comes time to actually collect payment, and suddenly everything slows down to paper checks, manual reconciliation, and a phone call to figure out why an invoice from three weeks ago still hasn’t cleared.
This one’s written for the accounts receivable teams, controllers, and operations leads at distribution and supply companies who are ready for something better. If chasing down payments takes up more of your week than actually running the business does, you’re exactly who this list is for, and improving supplier payment processing should give you that week back.
What Distributors & Suppliers Should Actually Look For
Before getting into the rankings, it helps to know what separates a decent payment processing solution from one genuinely built for this industry. Distribution and supply businesses deal with high transaction volume, net terms that stretch weeks or months, and buyers who split their payments between ACH and commercial cards depending on the day.
Here’s what tends to matter most:
- Support for invoicing, partial payments, and open balances rather than one-time transactions only
- Native integration with the ERP or accounting software already running the business, whether that’s NetSuite, Sage, QuickBooks, or SAP
- ACH and card acceptance in a single system, since buyers use both
- Level 2 and Level 3 data processing, which can meaningfully lower credit card processing fees on B2B transactions
- Security that keeps the business PCI compliant without turning the finance team into IT specialists
- A self-service customer portal so buyers can settle invoices without a phone call
- Transparent pricing that doesn’t quietly creep upward as invoice volume grows
Keep this list in mind as you read through each of the following solutions.
Side-by-side comparison
= partial or varies
1. EBizCharge
The EBizCharge payment solution leads this list because it manages to combine nearly everything on that checklist into a single system. Rather than making distributors stitch together several tools to get there, it’s built to sit directly inside the accounting or ERP software distributors already run, so payments update automatically instead of requiring someone to manually match a deposit to the right invoice.
Once it’s set up, recurring billing runs on its own, saved customer payment profiles mean returning buyers don’t have to hunt down a card number every time, and a self-service payment portal gives customers a way to pay on their own schedule. That alone tends to cut down on a huge chunk of the collections calls that eat up a typical week for supplier payment processing teams.
Security is handled properly, too, using tokenization and encryption to protect sensitive data while keeping the business PCI compliant without extra manual work. EBizCharge also supports Level 2 and Level 3 processing, which can genuinely reduce credit card processing costs for large, recurring transactions that distributors deal with regularly, and lower payment processing fees tend to show up directly on the bottom line over time. A lot of businesses don’t realize how much they’re overpaying in payment processing fees until they actually compare their current setup against something purpose-built for B2B. High credit card processing fees have a way of hiding in plain sight until someone finally pulls the statements apart.
If you’re looking for the best payment automation software for suppliers, or just a payment processing solution that fits how distribution actually works day-to-day, EBizCharge tends to check the most boxes without asking anyone to compromise. Most searches for the best payment automation software for suppliers tend to land on a similar answer once ERP integration enters the conversation.
2. TreviPay
TreviPay screen via youtube.com
TreviPay has been in the B2B trade credit space for decades, and that experience shows. It specializes in extending flexible payment terms across global buyer networks, which matters a lot when a distributor’s customer base spans multiple countries and currencies.
Where it falls just short of the top spot is scale. TreviPay is genuinely built for large distributors and suppliers with complex international credit relationships. A mid-sized, mostly domestic operation might find itself paying for infrastructure it doesn’t fully need yet.
3. Versapay
Versapay screen via capterra.ca
Versapay brings AI-driven cash application and strong AR automation to the table, with a track record specifically in supply chain payment processing. High straight-through processing rates mean fewer invoices get stuck waiting on manual review, which matters a lot in supply chain payment processing where volume rarely lets up.
The tradeoff is that Versapay leans heavily toward accounts receivable and collections. It handles that piece very well, but it isn’t quite as flexible on the broader payment processing side compared to a platform built to cover the entire transaction lifecycle.
4. Resolve Pay
Resolve Pay screen via resolvepay.com
Resolve Pay takes a different angle entirely, focusing on non-recourse net terms financing. It underwrites buyers using AI-driven credit decisions, advances funds within about 24 hours, and takes on the credit risk itself, which is genuinely appealing for suppliers nervous about extending terms to new customers.
That said, Resolve functions more as a financing layer than a full payment processor. It solves one important problem really well, but it doesn’t replace the everyday plumbing of running payment processing across an entire customer base.
5. Bill.com
Bill screen via trustradius.com
Bill.com brings a massive vendor network and solid AP and AR automation, and if trading partners are already on the platform, onboarding tends to be refreshingly painless. For general-purpose automation, it’s a dependable payment processor.
Where it comes up a little short is specialization. Bill.com is designed to work broadly across industries, which means it doesn’t dig into the pricing tiers and high invoice volume that define distribution and supply work specifically.
6. Stripe
Stripe screen via stripe.com
Stripe rounds out the list, and it earns its spot for good reason. It’s flexible, well-documented, and backed by serious global infrastructure that supports dozens of currencies and payment methods.
The catch is that Stripe functions more as a payment processing software toolkit than a distribution-ready solution right out of the box. Without an in-house developer team willing to build out invoicing logic, net terms, and reconciliation workflows, there’s a fair amount of setup work involved before this payment processing software actually fits the way distributors and suppliers operate.
Choosing the Right Fit for Your Business
Every platform on this list solves something real. TreviPay handles global trade credit. Versapay excels at AR automation. Resolve Pay takes on credit risk. Bill.com simplifies vendor networks. Stripe gives developers total flexibility. But distributors and suppliers usually need several of these strengths working together at once: ERP integration, net terms support, lower fees, and simple day-to-day usability, without needing three separate tools to pull it off.
That’s the gap EBizCharge fills. It’s less about flash and more about quietly removing the friction that slows down collections for high-volume, ERP-driven operations.
That said, the right choice depends on where the business actually stands. A large distributor with international buyers and layered credit relationships might lean toward TreviPay. A supplier mainly focused on tightening up collections might find Versapay appealing. A team with in-house developers and very specific needs might build something custom on Stripe.
But for most distributors and suppliers looking for a single payment solution that fits directly into existing systems, handles high transaction volume smoothly, and doesn’t require a technical team to maintain, EBizCharge tends to be the strongest all-around choice.
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