Invoice Payments in the Clarity eCommerce Framework is the self-service capability that lets B2B NET-terms customers view, pay, and reconcile invoices online from the Customer Portal, without picking up the phone, mailing a check, or emailing AP for a status update. The Invoices Tab in the User Dashboard lists every open invoice owed by the Account, whether the terms are NET30, NET60, NET90, or a custom contract. Each line shows balance, due date, the originating order, and Sales-Group lifecycle status so the buyer knows exactly what they're paying and why. The same UI lets the buyer drill into a single invoice to pay it or select multiple invoices and consolidate them into one transaction.
What makes the Invoice Payments module distinct from a generic “pay-online” bolt-on is that it sits on the same data source the B2B platform runs on. Invoices sync from your ERP through Clarity Connect, so balances are always correct. The payment UI uses the same PCI-compliant Wallet that powers checkout, so the buyer doesn't re-enter card data they've already stored. Account Credit applies at the Account level, letting any authorized User draw against a pre-paid balance. Sales Groups thread invoices back to the originating quote and order so a CFO can see the full chain. Admin staff also get an Invoices admin module for back-office invoice management with notes, modifications, and attachments. And to top it all off, it's fully automated with no human interference.
Invoice Payments is a core component of the Clarity platform's B2B layer, working alongside Account Hierarchy (which carries the Account Credit balance and authorized Users), the Customer Portal (which is where the Invoices live), Order Management (which produces the invoices through Sales Groups), and the same payment-processing engine that supports L2/L3 interchange optimization, the PCI Wallet, partial payments, payment plans, account credits and compliant surcharge capture for B2B card transactions.
Most B2B sellers run AR the same way they did in 1998: invoices in the mail, payments by check or wire, status by email, reconciliation by spreadsheet. Every step is manual, every step has friction, and every step costs both sides time and money that doesn't need to be spent.
The standard B2B workflow is an emailed PDF that AP downloads, prints, attaches to a 3-way match, and pays by check 30 days later. Buyers want to pay online. Sellers want to be paid online. Neither side has a self-service portal that just works.
A mid-size distributor might owe you 40 invoices at month-end. Forcing them through 40 separate card transactions or 40 separate ACH initiations is a non-starter. They want to clear them all in one click. Most carts don't support it.
A standard consumer-grade card processor hits B2B transactions with the same interchange tier as a coffee shop swipe. Without sending Level 2 / Level 3 line-item data, you forfeit B2B-eligible interchange rates, leaving up to 35% in unnecessary processing cost on the table.
When a customer pays a $100K deposit against future shipments, that's an account-level balance that needs to be drawable against every invoice. Treating it as “a customer service case” means every draw is a phone call and a manual journal entry.
An invoice in aerospace, defense, life sciences, or food/bev is a controlled document with attached BOL, certifications, tax exemption forms, and inspection paperwork. It's not just a balance. Email-PDF workflows lose that paperwork constantly.
If invoice status doesn't flow back to the ERP automatically, AR reconciles by hand at month-end. Online payments don't post. Offline checks aren't reflected in the buyer's view. Partial payments confuse everyone. The two systems contradict each other.
The cost of inaction is real. Industry benchmarks put the fully-loaded cost of processing a manual B2B invoice payment between $15 and $40 per invoice: postage, AP labor, AR labor, reconciliation, exception handling, dispute resolution. A mid-market seller running 20,000 invoices a year is leaving $300K to $800K of pure AR-throughput cost on the table, before counting the interchange savings from L2/L3 optimization or the working-capital benefit of getting paid faster. Online invoice payments aren't a nice-to-have anymore. They're table stakes.
Six platform capabilities that turn invoice payment from a phone-call-and-spreadsheet operation into a self-service portal experience, with consolidated multi-invoice pay, applied Account Credit, the PCI-compliant Wallet, L2/L3 interchange optimization, attached paperwork, and ERP AR reconciliation built in.
Every open NET30, NET60, or NET90 invoice for the Account appears in a single Invoices Tab in the Customer Portal: balance, due date, originating order number, attached files, and Sales-Group lifecycle status, sortable and filterable by any authorized User.
Per the platform: the Invoices Module's payment UI submits payment toward one or multiple Invoices in a single transaction. The buyer checks the invoices, the system totals them, payment posts once, and funds allocate across every selected invoice automatically.
The same Wallet that powers Checkout powers Invoice Payments. Cards and bank accounts are tokenized through the payment processor. PAN data never touches your servers. The Wallet is shared at the Account level with role-permissioned access so finance staff and buyers see the right methods.
Pre-paid contract balances and lines of credit attached to the Account (via Account Balances and Credit Limits) can be applied against selected invoices at payment time. Credit covers what it can. Remainder falls through to card or ACH in the same flow with no extra step.
Attach BOL, BOM, certifications, tax exemption forms, packing lists, or customer-side POs to any invoice. The Invoices admin module gives staff full invoice management (notes, modifications, attachments) while buyers see the paperwork alongside the invoice in the portal.
Clarity Payments sends Level 2 / Level 3 line-item data on B2B card transactions for up to 35% interchange savings. Partial payments are supported. Surcharge capture passes processing fees through where merchant policy allows. One-click re-order pulls any past invoice's line items into a new cart.
One AR ledger across storefront and ERP. Invoice creation, payment events, applied Account Credit, partial payments, status changes, and attachments sync bi-directionally with your ERP customer master and AR sub-ledger through Clarity Connect. Supported ERPs include SAP S/4HANA / ECC, Oracle NetSuite / EBS / JDE, Microsoft Dynamics 365 (Business Central, F&O), Sage Intacct / X3 / 100, Acumatica, Epicor Kinetic, Infor CloudSuite / M3 / SyteLine, SYSPRO, and 17+ more. The ERP stays the system of truth for AR. The storefront is the buyer-facing self-service layer with consistent invoice data on both sides.
A walkthrough of the Dashboard Invoice Payments experience: opening the Invoices Tab, selecting one or many invoices, applying Account Credit, running the payment through the PCI Wallet, and reconciling back to your ERP. This is the payment UI the rest of the CEF B2B platform is built to feed.
Seven steps from opening the Invoices Tab to a reconciled AR posting in your ERP.
The buyer signs into the Customer Portal and opens the Invoices Tab in the User Dashboard. Every invoice owed by the Account (NET30, NET60, and NET90 terms included) is listed with balance, due date, originating order, and Sales-Group lifecycle status.
The buyer either drills into a single invoice to pay or checks multiple invoices to consolidate. The payment UI accepts a list of invoices and treats them as one transaction. The customer enters payment once, the platform allocates the funds across every selected invoice.
If the Account carries a pre-paid balance or open line of credit, the buyer applies Account Credit toward the selected invoices. Remaining balance falls through to a card or ACH payment in the same flow.
The buyer selects a card or bank account from the PCI-compliant Wallet, or adds a new one. The Wallet is shared at the Account level, so finance Users see methods stored by buyer Users and vice-versa, with role permissions enforced.
Partial payments are supported: the customer can pay a portion of one invoice now and the remainder later. Surcharge capture applies when the merchant's policy passes processing fees through to the buyer, with the surcharge calculated and displayed before submission.
On submit, Clarity's Payment Processing engine sends Level 2 / Level 3 line-item data (invoice number, tax, customer code, freight, unit prices) to the processor, qualifying the B2B card transaction for interchange savings up to 35%. ACH transactions clear at flat fees.
Cleared payments and updated invoice statuses sync bi-directionally to the ERP customer master and AR ledger through Clarity Connect (SAP, NetSuite, Dynamics 365, Sage, Acumatica, Epicor, Infor, SYSPRO, and 17+ more), so finance never reconciles by hand.
Online invoice payments do more than save AP and AR time. They accelerate cash, cut processing cost, eliminate reconciliation pain, and turn the AR experience from a friction point into a competitive advantage.
Self-service invoice payment with stored Wallet methods cuts the friction that lets buyers procrastinate. Online-pay AR portals routinely move customer payment behavior 5–15 days earlier on average, freeing working capital that was previously stuck in receivables.
B2B card transactions qualify for Level 2 / Level 3 interchange rates, which run substantially below consumer-grade swipe rates, when full line-item data is transmitted. Clarity Payments sends L2/L3 by default, and those savings drop straight to operating margin.
Online payments post to the ERP AR ledger through Clarity Connect at the moment of capture, carrying the invoice number, customer code, applied Account Credit, and any partial-payment allocation. Month-end reconciliation stops being a forensic exercise.
Buyers facing 20 or 30 month-end invoices clear them in one transaction. That single pay-many-as-one capability routinely accounts for the majority of online payment volume on a Clarity B2B portal because it's the experience their AP team has been asking for for years.
Card and bank-account data is tokenized through the payment processor and stored in the PCI-compliant Wallet, never on your servers. PCI audit scope drops dramatically, breach risk drops in kind, and the buyer's stored methods follow them across Checkout and Invoice Pay.
The Invoices Tab lets a buyer re-order any past invoice's line items in a single click, turning a repeat purchase into a 10-second transaction. Combined with stored Wallet methods and shared Address Book, this is the single biggest predictor of repeat-order velocity on B2B portals.
The people who benefit span every B2B persona. AP teams on the buy side get a self-service portal that respects how they actually work: multi-invoice pay, stored methods, attached paperwork, partial pay. AR teams on the sell side stop chasing checks, mailing statements, and reconciling spreadsheets. CFOs see working capital improve as DSO compresses and processing cost drops with L2/L3 interchange. Buyers and finance leads see every open invoice and every applied credit in one Invoices Tab. And your own customer-service team stops answering “what's my balance?” calls because every authorized User on the Account already knows.
Schedule a 30-minute walkthrough and we'll show Invoice Payments running against a sandbox of your own open invoices, with multi-invoice consolidated pay, applied Account Credit, the PCI-compliant Wallet, L2/L3 interchange optimization, attached BOLs and certifications, partial-payment support, and a live AR sync to your ERP through Clarity Connect. NET30, NET60, NET90, or custom terms: whatever your B2B billing model needs is already built in.
