Why Choose Our Payment Management Software?

Track outstanding balances, manage credit limits, allocate payments against invoices, and process credit notes with approval workflows. The system automatically shows all pending invoices and outstanding balances across distributors, super stockists, and retailers.

Invoice Payment Allocation – Record payments by selecting customer, payment mode, and reference number. The system automatically shows all pending invoices and outstanding balances for allocation.

Auto & Manual Allocation – Users can auto allocate payments, manually allocate payments, or record payments without allocation. Outstanding and over-limit status are visible at all times.

Credit Limit Management – Configure customer credit limits with controls to stop orders after credit limit breach, allow first order only, or block future orders until outstanding dues are cleared.

Over-Limit Tracking – If customer credit limit is ₹0 but orders worth ₹2,79,765 are already processed, the customer becomes over limit. Over-limit status is visible in real time across the system.

Credit Note Management – If a ₹100 order has ₹50 damaged stock returned, a ₹50 credit note is generated after approval by the higher-level party. Credit note requests go through configurable approval flows.

High-Value Order Approvals – If retailer credit limit is ₹1 crore but retailer places a ₹5 crore order, explicit approval is required. Once approved, the credit limit can also be updated simultaneously.

Returns & Credit Processing – Returns can be initiated at different hierarchy levels: retailer, distributor, super stockist, or field sales. Return reason capture with automatic credit note generation after approval.

Invoice Configuration – Configure company name, GST details, PAN number, bank details, and invoice template format. Standard templates like compact invoice and detailed invoice are available.

Payment Analytics – Track outstanding balances, credit utilization, and payment allocation through 24+ reports with filters. CSV export with 7-day cached access for team-wide sharing.

Approval Workflows – Configure up to 7-level approval hierarchies for credit exceptions with role-based routing, escalation rules, Email and WhatsApp notification triggers.

Comprehensive Payment & Credit Management Features

The Admin Portal acts as the centralized control center for recording payments, managing credit limits, tracking outstanding balances, processing credit notes, and configuring invoice templates across the distribution ecosystem. Users can customize dashboard themes, set dark or light mode, and configure GST and financial year settings.

Payment Recording & Invoice Allocation

Payment recording includes selecting customer, payment mode, reference number, and invoice allocation. The system automatically shows all pending invoices and outstanding balances. Users can auto allocate payments, manually allocate payments, or record payments without allocation.

Payment Dashboard Metrics

Pending Invoices & Outstanding Balances
Auto & Manual Payment Allocation
Payment Without Allocation Option
Outstanding & Over-Limit Status Visibility
Customer-Wise Payment Tracking
Payment Mode & Reference Number Recording
Invoice-Level Payment Mapping
Today's Revenue & Order Count
Recent Payment Activity Log
Credit Limit Utilization Overview

Credit Limit Configuration & Controls

Configure customer credit limits with settings to control order placement when limits are breached. For example, if customer credit limit is ₹0 but orders worth ₹2,79,765 are already processed, the customer becomes over limit. The system provides multiple control options for managing such situations.

Customer-Wise Credit Limit Configuration
Stop Orders After Credit Limit Breach
Allow First Order Only Configuration
Block Future Orders Until Outstanding Dues Cleared
Over-Limit Status Tracking (e.g., ₹2,79,765 Over Limit)
Credit Limit Validated During Order Placement
Credit Limit Update on Approval
Customer Ledger Monitoring

Invoice Configuration & Templates

Users can configure company name, address, GST details, PAN number, email, website, bank details, invoice template format, and branding/logo on invoices. Standard invoice templates like compact invoice and detailed invoice are available. These settings automatically apply to all invoices generated in the system.

Company Name, Address & Contact Configuration
GST Details & PAN Number Setup
Bank Details Configuration for Payments
Compact Invoice & Detailed Invoice Templates
Branding & Logo on Invoices
Invoice Template Format Selection
Settings Auto-Applied to All Generated Invoices
Email & Website Configuration on Invoices

Credit Management, Returns & Approval Workflows

The payment management software provides comprehensive credit management, return processing, and configurable approval workflows for handling credit exceptions, high-value orders, and credit note requests across the distribution hierarchy.

Credit Limit Exception Approvals

Credit management handles credit note requests, credit limit exceptions, and approval flows for high-value orders. For example, if retailer credit limit is ₹1 crore but retailer places a ₹5 crore order, explicit approval is required. Once approved, the credit limit can also be updated simultaneously.

Credit Limit Exception Approval Flow
High-Value Order Approval (e.g., ₹1 Crore Limit, ₹5 Crore Order)
Simultaneous Credit Limit Update on Approval
Multi-Level Approval Hierarchies (Up to 7 Levels)
Role-Based & Hierarchy-Based Approval Routing
Manager → Manager's Manager Escalation
Rejection Handling & Re-Submission
Configurable Transaction Control Before Approval

Returns & Credit Note Processing

Returns are simple: select order, enter return reason, process return. Returns can be initiated at different hierarchy levels: retailer, distributor, super stockist, or field sales. If a ₹100 order has ₹50 damaged stock returned, then a ₹50 credit note is generated after approval by the higher-level party.

Order Selection & Return Reason Capture
Multi-Level Returns (Retailer, Distributor, Super Stockist, Field Sales)
Credit Note Generation After Higher-Level Approval
Partial Return & Credit Note Calculation (e.g., ₹50 on ₹100 Order)
Credit Note Request Approval Flow
GST-Compliant Return Handling in India
Return Status Tracking

GRN & Invoice Reconciliation

For distributors or super stockists, incoming stock receipts (GRN) track ordered quantity vs received quantity. If received quantity differs from invoice quantity, the system notifies the respective higher-level entity. After GST changes in India, many companies now prefer accepting the full quantity first and handling disputes later through returns and credit notes.

Ordered vs Received Quantity Tracking
Receiving Warehouse Assignment
Discrepancy Notification to Higher-Level Entity
Post-GST Full Quantity Acceptance Workflow
Dispute Handling Through Returns & Credit Notes
Invoice-Level Reconciliation
GRN Status Tracking

Order-Level Credit Validation

During the order process, the system automatically checks stock availability, applicable schemes, pricing, and credit limit. Orders can be placed for distributors, super stockists, and other hierarchy levels. Once the order is placed, stock allocation happens automatically with delivery note and invoice generation.

Credit Limit Check During Order Placement
Payment Type Selection at Order Level
Auto Stock Allocation with FIFO/LIFO Logic
Delivery Note & Invoice Generation
Distributor & Super Stockist Order Processing
Order Blocking for Over-Limit Customers
Manual Retailer Order Creation by Distributors

Payment Workflows, Mobile Access & Notification Triggers

The credit management software extends across mobile approvals, automated notification triggers, and configurable workflows for payment-related processes across the distribution network.

Payment Approval Workflows

Similar to CRM workflows, users can create payment and credit approval workflows with conditions, real-time triggers, notifications, Email triggers, and WhatsApp messages. Approval workflows support up to 7 levels deep with role-based or hierarchy-based routing. By default, there are no approvals until workflows are configured.

Credit Exception Approval Workflows
Credit Note Request Approval Routing
High-Value Order Approval Triggers
Email & WhatsApp Notification on Approval Requests
Manager → Manager's Manager Escalation
Workflow Versioning Without Impacting Live Configurations
Draft & Publish Workflow Management
Pending Payment Approvals in Dashboard

Mobile Payment & Approval Access

Pending approvals are visible in the mobile app's Market section. Field teams can view customer dashboards, place orders with payment type selection, process returns, and track order history. The app dashboard shows active targets, analytics, and recent orders with payment status.

Pending Payment Approvals in Mobile App
Customer Dashboard with Outstanding Visibility
Order Placement with Payment Type Selection
Return Processing from Mobile App
PDF Order Generation
Order History & Recent Customer Activity
AI Assistant for Payment Queries (e.g., "Show my pending orders")
Credit Status Visibility During Market Visits

Customer-Wise Payment Tracking

Customer Master manages all retailers, distributors, super stockists, and other customer users. Distributors and super stockists are particularly important because inventory and order flow work against them. Each customer has credit limit configuration, outstanding tracking, and payment history visibility.

Retailer, Distributor & Super Stockist Payment Tracking
Customer-Wise Outstanding Balance Monitoring
Credit Limit Per Customer Configuration
Payment History & Allocation Records
Customer Ledger with Invoice-Level Details
Over-Limit Customer Identification
Bulk Customer Import with Credit Settings
App-Based Customer Creation with Credit Configuration

Geography-Wise Payment & Pricing

Pricing interacts with payment management as a product may sell for ₹100 in North India and ₹150 in South India. Outstanding balances and credit limits can be tracked territory-wise using the configurable geography hierarchy linked across the system.

Territory-Wise Outstanding Tracking
Geography-Based Pricing Impact on Receivables
Region-Wise Payment Collection Analytics
Customer-Type Pricing (Super Stockist vs Distributor vs Retailer)
Configurable Geography Hierarchy for Reports
Location Mapping Against Customers for Payment Tracking

Organization & Regional Settings

Organization-level configurations include GST details, contact details, company branding, and financial year settings. Regional settings include time zone, date format, and time format. These settings are reflected across all invoices, payment records, and reports in the system.

GST Details & PAN Configuration for India
Financial Year Settings for Payment Alignment
Time Zone & Date Format Configuration
Company Branding on Invoices & Reports
Bank Details for Payment Processing
Invoice Template Configuration (Compact & Detailed)
Organization Logo & Color Branding

Payment Analytics & Outstanding Reports

The platform provides centralized visibility into outstanding balances, credit utilization, payment allocation, and customer ledger activity through configurable dashboards and 24+ default reports. Filters can be applied based on customer, territory, status, and other parameters.

Outstanding & Credit Reports

Track outstanding balances, credit limit utilization, and over-limit status across the distribution network. Reports open in a side panel where users can explore data without leaving the current screen, apply filters, and export directly.

Customer-Wise Outstanding Balance Reports
Credit Limit Utilization Analytics
Over-Limit Customer Tracking (e.g., ₹2,79,765 Over Limit)
Credit Exception Approval Reports
Credit Note Status & History
Territory-Wise Outstanding Distribution
Customer Ledger Reports
Aging Analysis of Outstanding Balances

Payment Collection Reports

Monitor payment collection, allocation, and pending invoice status across distributors, super stockists, and retailers.

Payment Mode-Wise Collection Reports
Invoice Allocation Status Reports
Pending Invoice Tracking
Customer-Wise Payment History
Allocated vs Unallocated Payment Reports
Payment Reference Number Tracking
Distributor-Wise Collection Analytics
Territory-Wise Payment Collection

Return & Credit Note Reports

Track returns, credit note generation, and approval status across hierarchy levels. Returns can be initiated at retailer, distributor, super stockist, or field sales level.

Return Status by Hierarchy Level
Credit Note Generation Tracking
Return Reason Analysis
Credit Note Approval Status
Return Value & Credit Note Value Reports
GST-Compliant Return Reports for India
GRN Discrepancy Reports

Dashboard KPIs & Real-Time Charts

The dashboard loads the last 30 days' data by default and shows KPIs, charts, top products, and all related analytics. Everything can be exported.

Today's Revenue & Order Count
Outstanding Balance Overview
Over-Limit Customer Count
Sales Trend Charts
Order Status Distribution (Delivered, Processing, Pending)
Active Users & Coverage Dashboard
Recent Payment Activity
Customizable Date Range & Filters

Report Exporting & Caching

We already have around 24 default reports in the system. Once a report is exported, it is available in a dedicated Exports section for the next 7 days, so users do not need to regenerate the same report repeatedly. This helps reduce load on the system because reports are generated in real time.

24+ Default Reports Available
CSV Format Export Support
7-Day Export Cache for Re-Access Without Regeneration
Configurable Filters (Customer, Territory, Status, Custom Fields)
Side Panel Report Exploration
Shared Export Access Across Team Members
Date-Wise & Territory-Wise Filtering
Real-Time Report Generation

Key Features & Benefits of Payment Management

Discover how our credit management software helps distribution businesses track payments, manage credit limits, allocate invoices, and process credit notes across distributors, super stockists, and retailers.

Invoice Payment Allocation

Record payments by selecting customer, payment mode, and reference number. Auto allocate, manually allocate, or record payments without allocation against pending invoices.

Credit Limit Management

Configure customer credit limits. Stop orders after breach, allow first order only, or block future orders until outstanding dues are cleared. Over-limit status tracked in real time.

Outstanding Tracking

The system automatically shows all pending invoices and outstanding balances. For example, ₹2,79,765 over limit when credit limit is ₹0 with processed orders visible in real time.

Credit Note Processing

If a ₹100 order has ₹50 damaged stock returned, a ₹50 credit note is generated after approval by the higher-level party. Credit note requests go through configurable approval flows.

High-Value Approvals

If retailer credit limit is ₹1 crore but they place a ₹5 crore order, explicit approval is required. Once approved, the credit limit can also be updated simultaneously.

Returns Management

Select order, enter return reason, process return. Returns can be initiated at retailer, distributor, super stockist, or field sales levels with automatic credit note generation.

Invoice Configuration

Configure company name, GST details, PAN number, bank details, and branding on invoices. Compact and detailed invoice templates available, auto-applied to all generated invoices.

Approval Workflows

Configure up to 7-level approval hierarchies for credit exceptions with role-based routing, escalation rules, Email and WhatsApp notifications, and workflow versioning.

GRN Reconciliation

Track ordered vs received quantities for distributors and super stockists. System notifies higher-level entity on discrepancy. Post-GST workflow supports full acceptance with later dispute handling.

Mobile Payment Access

Pending approvals visible in mobile app. Field teams can view customer dashboards, outstanding balances, place orders with payment type selection, and process returns on the go.

24+ Reports & Export

Access outstanding reports, credit limit analytics, payment collection reports, and invoice status dashboards with CSV export and 7-day cached exports for team-wide access.

Fully Configurable

Configure credit limits, approval workflows, invoice templates, GST settings, and financial year alignment. Every organization configures the payment system according to their business structure.

Who Uses Payment & Credit Management Software?

Built for businesses managing credit limits, outstanding balances, payment allocation, and invoice reconciliation across multi-tier distribution networks in India and globally.

FMCG & CPG Companies – Track outstanding balances across distributors and retailers in India. Manage credit limits with configurable controls to stop orders after breach or block future orders until dues are cleared
Beverage & Alcohol Brands – Manage distributor credit limits with approval workflows for high-value orders. Auto and manual payment allocation against pending invoices across on-trade and off-trade channels
Consumer Durables – Configure dealer credit limits with over-limit tracking (e.g., ₹2,79,765 over limit). Process returns with automatic credit note generation after higher-level approval
Personal Care & Cosmetics – Track payment collection across beauty retail and kirana networks in India. Field teams view customer outstanding balances and payment status from the mobile app during market visits
Pharmaceuticals – Manage stockist and distributor credit limits with GST-compliant invoice configuration. Track outstanding balances, credit notes, and return processing across pharmacy chains in India
Food & Snacks Brands – Configure credit limit exceptions for high-value orders (e.g., ₹1 crore limit, ₹5 crore order) with multi-level approval workflows. Track payment allocation across distribution territories
Building Materials & Cement – Manage dealer credit management with outstanding tracking and invoice payment allocation. Configure compact and detailed invoice templates with GST and PAN details for India
Electronics & Appliances – Track distributor payment collection, credit limit utilization, and outstanding balances across the distribution network. 24+ reports with CSV export and 7-day cached access

Customers Speak

With 1Channel, we've achieved 100% digitisation in sales team movement, order management, and inventory visibility, transforming the way we operate. The most beautiful thing about 1Channel is its ability to be completely customised to meet our organisation's unique requirements.

Vishwadeep Sharma

Grayforce Industries Ltd.

1Channel is one of the best CRM software for field teams. It helps us collect data from over 100 field salespeople across the Gulf region and send instant analytical reports. When we walk into the office in the morning, the automatic sales reports are already waiting in our mailbox.

Christian Gibbons

General Manager, Tad Network

Thanks to 1Channel SFA tool, we have managed to automate our manual sales process across Asia and Australia into a mobility-based solution, with details of every account over the cloud. Key account managers can see results, any time, across the region.

Anita Hemrajani

Associate Director, Pernod Ricard Asia

1Channel SFA tool has made a huge impact on our sales reports, making it easy to track number of customer visits with realistic numbers. The support has been excellent. I am glad to be working with the right partner who understands our requirements.

Mario Gibson Nadar

Manager – Training, Sugar Cosmetics

Before 1Channel CRM software, we evaluated many sales CRM apps and choose them over the others for the innumerable configuration options that meet our business requirements. It is now very easy for us to manage field sales operations in a simple click.

Payment & Credit Management Software

Trusted By Leading Organizations

Why Choose Our Payment Management Software?

How Our Payment Management Software Works

Comprehensive Payment & Credit Management Features

Payment Recording & Invoice Allocation

Payment Dashboard Metrics

Credit Limit Configuration & Controls

Invoice Configuration & Templates

Credit Management, Returns & Approval Workflows

Credit Limit Exception Approvals

Returns & Credit Note Processing

GRN & Invoice Reconciliation

Order-Level Credit Validation

Payment Workflows, Mobile Access & Notification Triggers

Payment Approval Workflows

Mobile Payment & Approval Access

Customer-Wise Payment Tracking

Geography-Wise Payment & Pricing

Organization & Regional Settings

Payment Analytics & Outstanding Reports

Outstanding & Credit Reports

Payment Collection Reports

Return & Credit Note Reports

Dashboard KPIs & Real-Time Charts

Report Exporting & Caching

Key Features & Benefits of Payment Management

Invoice Payment Allocation

Credit Limit Management

Outstanding Tracking

Credit Note Processing

High-Value Approvals

Returns Management

Invoice Configuration

Approval Workflows

GRN Reconciliation

Mobile Payment Access

24+ Reports & Export

Fully Configurable

Who Uses Payment & Credit Management Software?

PRICING

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Distributor Analytics & Reporting

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Frequently Asked Questions (FAQs)

What is payment management software?▼

How does invoice payment allocation work?▼

How does credit limit management work?▼

How are credit notes generated from returns?▼

How does the system handle high-value order approvals?▼

Does credit limit validation happen during order placement?▼

Can invoice templates be configured?▼

How does GRN reconciliation work with payments?▼

What payment reports and analytics are available?▼

Is the payment tracking system cloud-based?▼