Credit Management

From credit application to credit applied. All inside Payra.

Payra modernizes your entire credit process. New customers apply digitally with bureau data pulled automatically. Existing customers see their credit balances in real time across every payment link and the client portal, always reflecting exactly what is in your ERP.

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Main chalenges

Credit drives your customer relationships. Most businesses still run it on paper.

Slow applications, incomplete data, and credit balances nobody can see in real time cost you deals, relationships, and cash flow every single day.
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Paper and PDF applications that slow everything down
Incomplete forms, back and forth emails, and no standard process. A new customer wants to open an account and it takes two weeks to get them set up. That is two weeks they are not buying from you.
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Credit decisions take too long and data is everywhere
Bureau pulls, trade references, and financials all coming from different places. By the time you have what you need to make a decision, the customer is already frustrated or has gone somewhere else.
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Credit balances exist but nobody can see them
Repeat customers expect their credits to show up on invoices and payment links. When they do not, they call your AR team. When they do show up wrong, they call louder.
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Customers call in to check balances or have credits applied manually
Your staff has to look it up, confirm it, and apply it by hand. It is a simple task that should never require a phone call, but it does, every single day.
How it works

A modern credit experience for new customers & existing ones.

Payra handles the full credit lifecycle, from the first application to credits applied at checkout, with everything staying in sync with your ERP the entire time.

1. Digital credit applications on your website or sent as a link

New customers apply directly on your website or through a link you send them. Payra collects all the information you need and pulls in bureau data automatically, giving you everything in one place to make a fast, informed credit decision. No paper, no chasing incomplete forms, no back and forth.

2. Credit balances surface accurately everywhere, in real time

Credit balances live in your ERP and Payra surfaces them accurately across every payment link and the client portal. Your customers always see exactly what they have available. Your staff always works from the same number. No stale data, no discrepancies, no calls to reconcile.

3. Credits applied by staff or the customer, your choice

Your team can apply available credits to open invoices directly, or you can allow customers to apply their own credits through the client portal. Either way the journal entries post automatically and your ERP reflects the updated balance immediately.
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Every part of the payment cycle covered.

Cash Application

Every payment triggers the correct journal entries, splits out fees, and marks the invoice paid without anyone touching it.

Credit Management

Digital credit applications with bureau data pulled automatically and credit balances reflected in real time everywhere.

Physical & Virtual Terminals

Accept card, ACH, and check at the counter, job site, or over the phone with every transaction posting to your ERP automatically.

Custom Notifications

Automated reminders on a cadence you control, sent by email and text, until the invoice is paid.

Client Portal

A branded self-service portal where customers pay, view statements, and manage documents without calling your team.

Smart Invoicing

Your actual ERP invoice delivered with a payment link, by email, text, and client portal automatically.

Whatever ERP you’re running we can integrate

Why Payra

Enterprise-grade, built to move transactions of any size

Invoices go out, payments come in, and client notifications run themselves, all without a single export, login, or spreadsheet.

40%

Reduction in DSO

3 weeks

Average time to go fully live

99%

Automatic cash application match rate

75%

Reduction in customer calls and follow-ups

Case Study
2
mins to read

How Mabry Brothers cut collection times by 50% using Payra

Case Study
2
mins to read

How CBG Draft Services reduced debt with Payra

Article
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mins to read

The real cost of waiting 83 days to get paid by your contractor customers

Security

Enterprise-grade security. Built in from day one.

Your data is protected, your transactions are secure, and your customers can trust the experience on every interaction.

FAQs

How do customers submit a credit application?

Customers complete a digital credit application directly from your website or a link, so there's no separate portal or paper form for your team to track down and re-key.

How is a customer's creditworthiness evaluated?

Payra pulls in trade references, credit bureau data, and payment history to help underwrite new accounts, giving your credit team a clear picture before you decide how to extend terms.

How do we monitor customer credit balances in real time?

Credit balances update automatically as invoices, payments, and credits post, so your team always sees an accurate, real-time available-credit figure instead of a stale report.

Is credit balance management required, or is it optional?

Credit balance management is optional - you can turn it on if your business extends credit and needs to track limits and holds, or leave it off if it doesn't fit how you run AR. When enabled, the rules are configurable to match your specific credit policies.

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See how Payra works inside your ERP

15 minutes. No commitment. We'll show you the exact integration with your ERP and a realistic path to go live.

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