Your commercial accounts want terms. Give them a real one.
Your repeat B2B accounts don’t want to re-enter a card every order. They want card-on-file, net terms, and a credit line — and they want it without a back-and-forth email thread. GraphX Pay gives them an account and balance model, a credit-application flow that ends in an approved limit, account-specific terms, and department-level controls, all in the same unified payments view as the walk-in card and the pay-by-text deposit.
Payments — today
$9,535.00 collectedMesa Realty Group
Card · on file$2,210.00
Cleared
Dr. Patel — pay by text
Apple Pay$480.00
Cleared
Summit Schools
ACH$6,750.00
Pending
Front counter — walk-in
Terminal$95.00
Cleared
One unified view across every payment method
Card-on-file for the account that orders every week, ACH for the ones who prefer it, Apple Pay and Google Pay for the public side, and the terminal at the front counter — they all land on one payments screen. You don’t reconcile B2B terms in one tool and walk-in cards in another. The account-and-balance model sits right alongside the deposit your pay-by-text link just cleared.
Card-on-file for repeat accounts
A repeat commercial account stores a card once and reorders without re-keying it. You charge it on the terms you agreed to — not whenever a cart happens to submit.
Account & balance model
Every account carries its own running balance — what’s outstanding, what’s on terms, what’s been paid. No spreadsheet on the side to tell you who owes what.
Store credit balances
A reprint owed, an overpayment, a goodwill credit — it lives as a store-credit balance on the account and applies to the next order automatically, instead of getting lost in a note.
A credit application that ends in an approved limit
When a commercial account asks for terms, you shouldn’t have to run that approval out of your inbox. GraphX Pay gives you a real credit-application flow — the account applies, you review, and the outcome is an approved limit recorded on the account, not a reply buried in an email thread.
1 · Apply
The account submits a credit application for the terms it wants — captured in the same system that runs the order.
2 · Review
You review the request against what the account already does with your shop, all in one place.
3 · Approved limit
The outcome is an approved credit limit recorded on the account — a real number, not a maybe in an email.
4 · Order on terms
From there the account orders against its limit and balance, on the net terms you set.
Terms and controls that fit how B2B accounts actually buy
Account-specific payment terms
- Net 15, net 30, or whatever you negotiated — set per account
- Terms travel with the account onto every invoice
- Approved limit and balance tracked against each order
Department-level controls
- Larger accounts split into departments under one roof
- Per-department spend and approval rules
- One account view that still rolls up the whole relationship
One ledger, every method
- Card-on-file, ACH, terminal, and pay-by-text on one screen
- Store-credit balances apply automatically to the next order
- Reconciliation already wired — the books match the floor
Sensitive card data never lands in your shop’s systems — GraphX Pay processes on Everyware’s Payments-as-a-Service platform, PCI DSS Level 1 and SOC 2.
More in GraphX Pay
Pay by text
A branded link by text or email, tapped to pay from a phone — the deposit can clear before the proof goes out.
See pay by textInvoicing & receivables
Invoices that generate on workflow status — proof approved, order shipped — with email triggers and accounting handoff already wired.
See invoicing & receivablesSee it run for your shop.
Tell us how you collect money today — quotes, deposits, terms, refunds — and we’ll show you how Pay folds into your workflow.
Talk About Your Payment Flow →