Introduction
In the fast‑moving wholesale world, waiting days for invoice payments can cripple cash flow—especially for food importers and suppliers operating on tight margins. That’s why implementing instant payments, the key primary keyword, can be a game‑changer for your business. Integrating seamless payment rails into your ERP system gives you the edge.
The Payment Pain Point for Wholesalers
Wholesale businesses—particularly food suppliers and importers—face a thorny challenge: extended payment terms, manual reconciliation and delayed cash injections. Many rely on legacy payment methods such as Bacs transfers, which often take two to three working days to clear. AccessPay+1 For a supplier with narrow margins or perishables stock, that delay can hamper purchasing power, growth potential and responsiveness to orders.
Meanwhile, the secondary keyword “account‑to‑account payments” is rising in prominence: these transfers move money directly from payer bank account to payee bank account without intermediaries. PSR+1 Yet many wholesale players still rely on slower rails or outdated processes.
Consider a UK food importer who ships produce in bulk, supplies chain stores, and then waits 30 days for payment. That 30‑day gap ties up working capital, creating risk if a large buyer delays. Industry data shows that late payments are a major structural drag, especially for SMEs in wholesale. Choco US
How Instant Payments and ERP Solve the Issue
Modern fintech, Open Banking and ERP integration offer a compelling solution. By using instant payments and linking them to your ERP platform, you gain:
- Real‑time payment receipt (rather than waiting days)
- Automated reconciliation and reduced manual admin
- Improved cash visibility and forecasting
With a platform like Zendr, you can process account‑to‑account payments instantly and manage your entire wholesale operation from one secure platform. For example, your ERP records the invoice, triggers a payment link via Open Banking, funds settle in seconds, and reconciliation happens automatically—eliminating manual intervention and lag time.
According to the UK’s latest data, open banking payments are growing fast. One in five UK consumers or small businesses now actively use Open Banking services.Open Banking And the government’s National Payments Vision emphasises the need for seamless account‑to‑account payments as a ubiquitous method.GOV.UK
Key Benefits: Time, Cost and Cash‑Flow
Adopting instant account‑to‑account payments yields measurable benefits for wholesalers and importers:
- Faster cash arrival: funds move in seconds instead of days, improving liquidity.
- Reduced admin: fewer manual payment reconciliations, less chasing of late payments.
- Lower payment processing costs: Open Banking payments often have lower fees than cards or other intermediated methods. natwestgroup.com+1
- Better cash‑flow visibility and forecasting: with real‑time payment settlement you know exactly when cash arrives.
- Reduced credit risk: less exposure to buyer non‑payment because payment is instantly validated or collected.
Operational agility: with funds available immediately you can react faster to supplier offers or inventory opportunities.
Zendr’s Approach
At Zendr, we understand the challenges you face: tight margins, perishable stock, complex supply chains and the need to move quickly. That’s why we’ve built an ERP payments platform designed for wholesalers and importers like you.
Here's how “you” benefit:
- You issue invoices in your ERP and trigger payment links via Zendr’s Open Banking integration.
- You receive funds directly into your bank account in seconds — not after several days.
- You reconcile automatically and your ERP dashboard updates in real‑time, giving you full control of cash‑flow, margins and supplier commitments.
- You can manage your entire wholesale operation — from purchase orders, stock, deliveries to payments — within one tool.
You no longer waste time chasing late payments or manually uploading CSVs: we automate the process so you focus on scaling your business.
With Zendr, you’re not just speeding up payments; you’re elevating your operations. You’re leveraging the new payment rails, harnessing Open Banking benefits, and aligning your ERP for growth.
Conclusion
For wholesalers and food importers operating in the UK, waiting days or even weeks for payment simply isn’t sustainable. By adopting instant, account‑to‑account payments and integrating them with your ERP, you unlock real‑time cash‑flow, reduce admin burden and gain the agility you need in a dynamic market.
With Zendr, you have a partner built specifically for your sector—bringing together fintech speed and ERP control in one platform.
Join hundreds of UK wholesalers transforming their payments with Zendr.