Introduction
Payment processing fees are quietly eating into your margins. For small wholesalers operating on tight budgets and volume-based pricing, every penny counts. Traditional card payments and manual invoicing are not just outdated — they’re expensive. This is where account-to-account payments come in, offering a faster, cheaper, and more secure alternative.
The Costly Reality of Traditional Payments
Many small wholesalers still rely on card terminals, third-party payment processors, or bank transfers that involve multiple steps. These methods come with hidden charges, delays, and reconciliation headaches.
Take card payments: merchant fees typically range from 1.5% to 3% per transaction. For a wholesaler turning over £500,000 annually, that could mean up to £15,000 lost in fees.
Then there’s the time cost. Manual reconciliation, chasing unpaid invoices, and delayed settlements all drain resources better spent on growing your business.
Small wholesalers often lack the negotiating power of larger firms to demand better rates or faster settlement terms, making them especially vulnerable to these inefficiencies.
A Better Way: Account-to-Account Payments
Thanks to Open Banking, account-to-account (A2A) payments allow customers to pay you directly from their bank account without card networks or intermediaries. Funds move instantly, securely, and with lower transaction costs.
With Zendr, you can process account-to-account payments instantly and manage your entire wholesale operation from one secure platform.
Zendr integrates directly with your ERP system, eliminating manual input and providing real-time visibility into your cash flow.
Tangible Benefits for Small Wholesalers
Here’s what switching to account-to-account payments can mean for your business:
- Save thousands annually on transaction fees
- Speed up settlement times to improve cash flow
- Reduce admin hours through automated reconciliation
- Lower fraud risk with bank-level security
- Enhance customer trust with seamless payment experiences
Zendr’s Approach
With Zendr, small wholesalers get a platform built for their needs. Our app unites payment processing, invoicing, and ERP management in one place.
You can generate payment links, track invoice status, and automate reminders — all while keeping fees low and transactions secure.
Whether you're supplying produce, beverages, or household goods, Zendr helps you keep operations smooth and finances in check.
Conclusion
The days of overpaying for slow, manual payments are over. For small wholesalers, switching to account-to-account payments isn’t just a tech upgrade — it’s a financial strategy.
Start saving today with Zendr’s free payment app.