The pharmaceutical industry faces unique payment challenges that demand specialized solutions. With global medicines spending projected to reach $1.9 trillion by 2027, and with material revenue leakage tied to chargebacks and rebates across the sector, selecting the right B2B payment platform is critical for protecting margins and ensuring audit-ready operations. Pharmaceutical manufacturers require platforms that handle high-value transactions (often six figures), support extended payment terms that can strain cash flow, and meet strong security and control requirements (PCI DSS; and where applicable HIPAA), plus enterprise audit controls (e.g., SOC 2/ISO 27001). For manufacturers looking to streamline their financial operations while offering flexible payment terms, Resolve's B2B Net Terms platform provides a comprehensive solution that addresses these specific industry challenges.
Resolve Pay offers pharmaceutical manufacturers a unique advantage: 100% non-recourse financing that eliminates credit risk while providing instant approvals and 24-hour funding. Unlike traditional factoring or payment processors, Resolve takes on the credit assessment, credit decision, and majority risk of late payments or defaults, allowing pharma companies to offer net terms without jeopardizing their cash flow.
Pharmaceutical manufacturers need to offer net terms without credit risk, with instant approvals supporting high-value B2B transactions.
Resolve's platform is particularly valuable for pharmaceutical manufacturers who need to extend credit to healthcare providers, hospitals, and distributors while maintaining healthy cash flow. The platform's ability to advance up to 100% of invoice value within 24 hours directly addresses the industry's extended payment cycle challenges. With a significant portion of pharma B2B sales made on credit, having a solution that manages the entire credit-to-cash lifecycle is essential.
The non-recourse nature of Resolve's financing means pharmaceutical manufacturers can confidently offer competitive payment terms to grow their customer base without worrying about default risk. This is particularly valuable in the pharmaceutical sector where building long-term relationships with healthcare providers and distributors often requires flexible credit terms.
"Resolve has positively impacted our cash flow. Their advance on each invoice we submit has translated into quicker receivables, directly contributing to healthier cash flow management," shared Luke Elliot, Co-Founder of RentAll Construction, a Resolve client.
Resolve's AI-powered underwriting provides instant credit approvals compared to the multi-day processes typical of traditional methods, enabling pharmaceutical manufacturers to respond quickly to customer orders. The platform's automated collections management reduces the administrative burden on AR teams while maintaining professional customer relationships.
Billtrust processes $1 trillion annually and has proven success specifically in the pharmaceutical sector. Their platform combines digital lockbox technology with AI-powered cash application that achieves 86.3% match rates, significantly reducing manual reconciliation for complex pharmaceutical invoices.
Large pharmaceutical manufacturers and distributors with complex AR needs and high transaction volumes.
Billtrust's pharmaceutical distributor case study demonstrates real-world value: a 2.9% to 2.1% drop in processing fees and $110,000 in annual savings. Given that pharmaceutical transactions can reach substantial values, their specialized handling of high-value pharmaceutical transactions provides significant operational efficiency.
A pharmaceutical distributor recaptured valuable employee time processing one-off credit card payments with Billtrust, achieving $110,000 in annual savings and significant processing fee reduction.
Curbstone is built specifically for pharmaceutical distribution, featuring native integration with Iptor Pharma ERP and addressing the industry's substantial chargeback challenges. Their PCI-validated Level 1 Service Provider status with remote tokenization ensures compliance with strict pharmaceutical security requirements.
Pharmaceutical manufacturers using Iptor Pharma ERP or those experiencing significant chargeback issues.
The pharmaceutical industry faces significant annual losses to chargebacks and rebate abuse, making Curbstone's specialized protection particularly valuable. Their out-of-the-box Iptor Pharma ERP integration eliminates the need for custom development, which is especially beneficial for manufacturers already using this industry-specific ERP system.
DEUNA provides payment orchestration specifically designed for pharmaceutical companies scaling globally. Their platform connects to 400+ global payment and fraud providers through a single integration, offering dynamic payment routing for higher approval rates and region-specific fraud mitigation for pharmaceutical transactions.
Pharmaceutical manufacturers with global operations requiring multi-region payment processing capabilities.
With the pharmaceutical market experiencing substantial growth, DEUNA's platform is built to support this scale. Their solution supports both B2B (corporate cards) and B2C (digital wallets) pharmaceutical sales, making them ideal for manufacturers serving diverse customer segments across multiple regions.
Xflow specializes in cross-border B2B payments with transparent FX rates and no hidden markups, offering significant cost savings compared to traditional banks. Their 45-day FX rate lock and automated FIRC/FIRA compliance documentation are particularly valuable for pharmaceutical manufacturers with global supply chains.
Pharmaceutical manufacturers with significant international transactions requiring FX optimization and compliance automation.
Pharmaceutical manufacturers frequently engage in cross-border transactions for raw materials, distribution, and sales. Xflow's automated compliance documentation for international pharmaceutical transactions (FIRC, AML, KYC) reduces administrative burden while their transparent FX rates protect margins on international deals.
Businesses process payments faster with digital platforms like Xflow, achieving significant savings on FX costs compared to traditional banking solutions.
Versapay processes $257 billion annually with strong customer satisfaction, offering a PayFac model that ensures faster onboarding for complex pharmaceutical use cases. Their Level 2/3 data capture reduces interchange fees by up to 40%, providing significant cost savings for high-value pharmaceutical transactions.
Pharmaceutical companies seeking comprehensive AR automation with healthcare experience.
Versapay's healthcare experience is demonstrated through successful pharmaceutical implementations. Their PayFac status enables faster onboarding than traditional payment processors, which is valuable for pharmaceutical companies needing to implement solutions quickly.
Stripe offers extensive developer tools and API documentation among payment platforms, supporting 135+ currencies for global pharmaceutical supply chains. Their robust fraud prevention and deep integration capabilities make them suitable for custom pharmaceutical workflows.
Pharmaceutical companies with in-house development teams needing robust global payment processing with extensive customization.
Pharmaceutical manufacturers often require custom integrations with internal systems, regulatory databases, and specialized workflows. Stripe's extensive APIs enable these customizations while their global reach supports international pharmaceutical supply chains and sales operations.
PayPal/Braintree leverages strong buyer trust and brand recognition in payment processing, making it ideal for pharmaceutical buyers who prefer established, trusted payment methods for high-value purchases. Braintree offers white-glove B2B service with deep reconciliation capabilities.
Pharmaceutical companies prioritizing buyer trust and brand recognition for high-value purchases.
Pharmaceutical buyers often prefer established, trusted payment brands for high-value purchases due to security concerns and compliance requirements. PayPal's brand recognition provides confidence, while Braintree's B2B-focused service offers the specialized features needed for pharmaceutical transactions.
Mastercard B2B Solutions provides enterprise-grade virtual card platforms for pharmaceutical procurement, with a global commercial card network optimized for high-value pharma transactions. Their partnership with TreviPay enables net-terms purchasing for pharmaceutical buyers.
Large pharmaceutical manufacturers needing virtual card solutions and global commercial card acceptance.
Large pharmaceutical manufacturers often use virtual cards for procurement and supplier payments. Mastercard's enterprise virtual card platform supports these high-value transactions while their TreviPay integration enables net-terms purchasing, addressing the industry's need for flexible payment terms.
Mastercard's partnership with TreviPay for B2B payment expansion (January 2024) enhances their net-terms capabilities for pharmaceutical buyers.
Payoneer offers multi-currency accounts and mass payout capabilities ideal for small-to-medium pharmaceutical manufacturers with global supplier networks. Their Zoho Books integration (April 2023) and strong marketplace integration support pharmaceutical e-commerce platforms.
Small-to-medium pharmaceutical manufacturers with global supplier networks needing multi-currency capabilities.
Small-to-medium pharmaceutical manufacturers often work with global supplier networks and require multi-currency capabilities to manage international payments efficiently. Payoneer's marketplace integration supports pharmaceutical e-commerce platforms, making it suitable for manufacturers selling through digital channels.
Payoneer's Zoho Books integration announced in April 2023 enhances accounting capabilities for pharmaceutical SMEs.
Selecting the right B2B payment platform for pharmaceutical manufacturing requires careful evaluation of your specific operational needs, transaction volumes, and growth trajectory. The pharmaceutical industry's unique challenges—including high-value transactions, extended payment terms, strict regulatory compliance, and complex global supply chains—demand payment solutions purpose-built for these requirements.
For pharmaceutical manufacturers seeking to eliminate credit risk while maintaining healthy cash flow, Resolve Pay's non-recourse financing model offers a compelling solution. The platform's ability to advance up to 100% of invoice value within 24 hours while assuming the credit risk enables manufacturers to offer competitive net terms without jeopardizing their financial position. This becomes particularly valuable when working with healthcare providers, hospitals, and distributors who expect flexible payment options.
The instant credit approval capabilities powered by AI underwriting accelerate the order-to-cash cycle, enabling pharmaceutical manufacturers to respond quickly to customer orders without the multi-day delays typical of traditional credit evaluation processes. Combined with seamless ERP integration supporting NetSuite, QuickBooks, and SAP, Resolve Pay provides pharmaceutical manufacturers with a comprehensive platform that addresses both immediate cash flow needs and long-term customer relationship management.
As the pharmaceutical market continues its substantial growth trajectory, having a B2B payment platform that scales with your business while maintaining security, compliance, and operational efficiency becomes increasingly critical. Whether you're a large enterprise manufacturer processing high transaction volumes or a growing pharmaceutical company looking to expand your customer base through flexible payment terms, the right payment platform serves as strategic infrastructure that supports sustainable growth.
Platforms like Resolve Pay address the pharmaceutical industry's extended payment terms by advancing up to 100% of invoice value within 24 hours while customers maintain their standard payment terms. This non-recourse financing model eliminates the cash flow strain without requiring customers to change their payment behavior. The manufacturer receives immediate funding while the payment platform manages credit risk and collections.
AI powers instant credit decisions, automated cash application with high match rates, and intelligent payment routing for higher approval rates. For pharmaceutical manufacturers, AI reduces manual processing of complex invoices and accelerates credit decisions from days to seconds. This automation enables faster order fulfillment and improved customer experience while reducing administrative overhead on AR teams.
B2B payment platforms improve cash flow through invoice financing, automated AR workflows that reduce DSO (Days Sales Outstanding), and interchange optimization that reduces processing fees. Platforms offering non-recourse financing provide immediate access to capital while eliminating credit risk. Additionally, automated collections management and payment reminders reduce the time and resources required to manage accounts receivable.
Pharmaceutical manufacturers should prioritize platforms offering PCI DSS compliance, HIPAA compliance capabilities, FDA-aware security protocols, and robust fraud prevention systems. Look for features like tokenization, encrypted data transmission, secure API integrations, and comprehensive audit trails. Platforms with industry-specific certifications demonstrate their understanding of pharmaceutical regulatory requirements and commitment to maintaining appropriate security standards.
Yes, leading B2B payment platforms offer native integrations with major ERP systems commonly used in pharmaceutical manufacturing, including NetSuite, SAP, QuickBooks, Microsoft Dynamics, and industry-specific systems like Iptor Pharma. These integrations enable automated invoice synchronization, real-time payment updates, and seamless financial reconciliation. When evaluating platforms, verify that they support your specific ERP system and understand the depth of integration available—some platforms offer basic data export while others provide comprehensive two-way synchronization with automated workflows.
This post is to be used for informational purposes only and does not constitute formal legal, business, or tax advice. Each person should consult his or her own attorney, business advisor, or tax advisor with respect to matters referenced in this post. Resolve assumes no liability for actions taken in reliance upon the information contained herein.