Wholesale payments built for apparel brands
Invoices to cash. Inside the system that knows what you actually sold.
Invoice wholesale customers, collect payments, and manage accounts receivable inside the same operational platform that powers your orders, inventory, and reporting.
Trusted by modern apparel brands that can't afford disconnected operations
TL;DR
- ✓Wholesale invoicing tied directly to orders and customer records.
- ✓Online buyer payment, ACH, card, bank transfer, from a branded payment experience.
- ✓Credit limits visible at point of order. Syncs to QuickBooks, Xero, Exact, Pennylane.
Net 30 · Net 60 · “We'll pay next week”
The apparel wholesale reality. Cash moves slow by design. Visibility doesn't have to.
Invoices go out from accounting. Reminders live in email. Credit limits in a spreadsheet updated weekly. Reconciliation by hand, at month end, by somebody who's frustrated. AR visibility shouldn't be an archaeology project.
Buyer wants to place an order. What's their credit look like?
Your rep is on the phone with a wholesale partner. The buyer wants to place a $12K order. “What's my current balance and how much credit do I have?”
Three systems later — order system, accounting, the spreadsheet finance updates weekly — your rep has half an answer. The balance number is from Tuesday. The credit limit hasn't been updated since a payment landed yesterday. The rep guesses. The order gets placed. Finance flags it next week, by which time the order has shipped, the buyer is over-extended, and the conversation about the next order is suddenly about collection instead.
Multiply by every order, every rep, every account. The pattern repeats: orders that should be confirmed at the moment of conversation get held, queried, or quietly stretched on credit terms that nobody actively decided to extend. DSO creeps up. AR aging gets lumpy. Weekly collection meetings get longer.
Credit should be visible where the order gets placed, not in another tool.
Wholesale cash flow has a visibility problem
In wholesale apparel, money moves slowly by design. Net 30, net 60, longer. Season-based billing. Partial payments. Deposits. Factoring. Every brand knows the rhythm, but the visibility into where exactly a dollar is inside that rhythm is where the pain lives.
Invoices go out from accounting. Reminders live in email, sent by the rep who remembers. Credit tracked in a spreadsheet. Reconciliation between what was ordered, shipped, invoiced, and paid happens by hand, usually at month end. Buyers ask reps about their balance because finance is in another system entirely.
Uphance Payments brings wholesale invoicing and collection into the same platform that runs your orders and customer records. Buyers pay online, against the orders they relate to. Credit limits are visible at the point of order. Payments are tied to invoices are tied to orders are tied to customers, one thread.
What does Uphance Payments do?
Online invoice payment
Wholesale customers pay invoices online via a branded payment experience.
Invoicing tied to orders
Generate invoices from the same system that holds the orders they belong to.
Payment tracking against invoices
Watch payments land on the invoices and orders they relate to, no separate reconciliation.
Credit and account visibility
Credit limits, overdue invoices, account balances visible next to customer records and order workflows.
Connected to customer records
Every invoice and payment ties to the customer record. Nothing stranded.
Built for wholesale apparel
Terms, partial payments, deposits, credit behavior, native to the workflow.
AR spreadsheets are a choice. So is having DSO of 90 days.
Every growing apparel brand has a weekly AR ritual. Someone exports a spreadsheet. Someone else cross-references it against the order system. Someone calls the buyer whose invoice is 47 days outstanding. The ritual takes hours, and it repeats.
The brands that shorten their collection cycle aren't working harder at the ritual. They're eliminating it, by making payment a first-class part of the order-to-cash system, not a separate workflow bolted onto the side.
Separate invoicing tool vs Uphance Payments
| Feature | Separate invoicing tool | Uphance Payments |
|---|---|---|
| Invoicing | ✓ | ✓ |
| Online buyer payment (ACH, card, bank transfer) | ✓ | ✓ |
| Branded payment experience | Sometimes | ✓ |
| Tied to orders | Via integration | ✓ Native |
| Credit visible at order entry | No | ✓ |
| Trading terms (Net 30/60, deposits) | Limited | ✓ Native |
| Partial payments against invoices | Some support | ✓ Native |
| Saved payment methods for repeat buyers | Limited | ✓ |
| Factoring partner integration (Hilldun) | No | ✓ |
| Sync to accounting (QB/Xero/Exact/Pennylane) | Direct | ✓ Direct |
| Reconciliation effort | Weekly | Continuous, automatic |
| AR aging by customer with order context | No | ✓ |
| Annual cost | Per-invoice or per-transaction fees | Part of Uphance |
What results do Uphance customers see?
“With Uphance Payments, we process payments directly inside Uphance, useful for salesperson-led DTC transactions and collection box settlement.”
| Workflow | Result |
|---|---|
| Salesperson-led DTC payment | Processed inside Uphance |
| Collection box settlement (try/keep/return) | Cleanly tied to the order and returns workflow |
| Saved payment methods for repeat buyers | Reduces checkout friction during high-volume drops |
Who is this built for, and who is it not for?
Uphance Payments probably isn't for you if…
- ✗You sell DTC only and Shopify payments cover everything you need.
- ✗You already have a deep AR automation tool connected to your ERP.
- ✗Your wholesale book is small enough that manual invoicing is manageable.
Uphance Payments is built for you if…
- ✓You run wholesale with 100+ accounts on net terms.
- ✓Credit limits, partial payments, and collection cycles are active parts of your business.
- ✓Reps regularly need to check credit at the point of order.
- ✓You want invoicing and collection tied to your order system, not bolted on separately.
What does a Uphance demo look like?
45 minutes, prepped around your AR workflow:
- 1Your collection cycle, mapped. Terms, typical DSO, common exceptions.
- 2An invoice end to end. Order ships, invoice generates, buyer pays online, all in Uphance.
- 3Credit check at order entry. Watch what happens when an order bumps a credit limit.
- 4Partial payment scenario. Split payments, deposits, open balance tracked.
- 5Accounting sync. How it flows to QuickBooks, Xero, Exact, or Pennylane.
Key capabilities
How does Uphance implementation work?
Discovery
AR workflow, terms, exceptions, current stack mapped.
Tailored demo
Your invoicing and collection rebuilt in Uphance.
Configuration
Payment rails, credit rules, accounting sync set up.
Migration + cutover
Open invoices, customer balances migrated.
Go-live + hypercare
Launch with support through the first full collection cycle.
Frequently asked questions
What does Uphance integrate with?
| Accounting | QuickBooks · Xero · Exact · Pennylane |
| Tax | Avalara |
| Wholesale finance | Hilldun (factoring) |
| API | Uphance API for custom finance integrations |
Ready to see collection, connected?
Start with a brief discovery conversation. We'll learn how your wholesale invoicing and collection run today, assess fit, and prepare a demo around your buyers, terms, systems, and priorities.