Finance Hub gives distributors the tools to accept digital payments, reduce overdue balances, and get paid faster. It is built directly into the Pepper workflow your team already uses. This article walks through everything you need to do to go live, from initial verification to your first customer payment. A PDF version of this guide is also available to download at the end of this article.
What Finance Hub Includes
Finance Hub is a suite of payment and AR tools available through the Pepper Management Center (PMC). Once live, your team can:
Autopay - Set up recurring payment schedules so customers are charged automatically on a daily, weekly, or monthly cadence.
Statement Emails - Send customers real-time balance statements with a direct pay link before invoices go overdue.
Payment Plans - Convert aging balances into installment plans that customers accept and pay on schedule.
Next-Day Payouts - Receive funds from 99% of transactions the next business day.
Pay-by-Link - Send a payment link directly to a customer so they can pay in one step.
Automatic Reconciliation - Payments auto-apply to the correct invoice and post bi-directionally to your ERP.
Ordering and payments in one place: Finance Hub is the only platform where ordering, invoicing, and payments run in the same workflow.
Your Path to Go-Live
There are four steps between signing up and accepting your first digital payment.
Complete KYC: Know Your Customer (KYC) verification is required before Finance Hub can go live. Your signatory - typically a CFO, controller, or finance lead - completes this through Pepper's onboarding flow. Most distributors finish in under 10 minutes, and approval is typically same-day.
You'll need: legal business name, EIN, registered address, and the signatory's personal identity details.Connect Your ERP and Verify Invoices: Pepper syncs invoices from your ERP automatically. Before go-live, your CSM will confirm the integration is running cleanly. This includes verifying that invoices are syncing and amounts match your ERP, that customer accounts are mapped correctly in Pepper, and that a test payment has been processed successfully.
Attend Training: Your CSM leads a live walkthrough of Finance Hub before go-live. Sessions typically run 60–90 minutes and cover everything your team needs to manage payments independently. Invite your AR lead, controller, and anyone who will manage payments day-to-day. Your CSM can record the session if team members can't attend live.
Go Live: Once training is complete and your go-live date is confirmed with your CSM, Finance Hub is activated and you can start accepting digital payments from day one.
Before Your Training Session
Align on these decisions before training so your team is ready to go live right after.
Fee passthrough
Decide whether you will pass ACH and card processing fees to customers or absorb them. This can be configured at the customer level and by payment method in PMC.
Autopay setup
Decide whether you'll create autopay schedules for customers, and if so, what frequency - daily, weekly, or monthly. Daily autopay is recommended, as it catches invoices as soon as they're due and keeps cash flow steady.
Autopay cutoff
Invoices must be submitted by 6 PM in your time zone to be included in that day's autopay run.
Who attends training
Invite your AR lead, controller, and anyone who will manage payments day-to-day.
What's Covered in Training
Your training session covers:
Finance Hub walkthrough - A live tour of all Payments tabs in PMC: Unpaid Invoices, Direct Charge, Autopay Settings, Transaction History, and more.
Processing payments - How to charge a customer directly, send a payment link, and reconcile a transaction in your ERP.
Setting up autopay - Creating schedules, enrolling customers, and previewing the next run before charges go out.
Customer experience demo - Exactly what your customers see: invoice view, payment flow, and confirmation.
Statement emails - Sending real-time balance statements so customers can self-serve before invoices go overdue.
After training, you'll leave with Finance Hub configured and tested, at least one autopay schedule created, your team able to process payments independently, and a confirmed go-live date.
After Go-Live
The first few weeks after go-live are the most important for getting your setup working well. A few things to prioritize:
Check Transaction History daily. Failed payments show up immediately. A declined card or ACH failure is easiest to address early.
Enroll customers in autopay. The faster customers are on autopay, the faster your DSO drops. Your CSM can help prioritize which accounts to start with.
Use Statement Emails proactively. Send balance statements before due dates. Customers who see their balance in advance pay faster.
Use Payment Plans for aging AR. For customers with large overdue balances, a payment plan is more effective than repeated reminders.
Finance Hub Tools at a Glance
All Finance Hub tools are available in the Payments section of PMC. Each links to a dedicated help article for step-by-step instructions.
Tool | What it does | Help Article |
Unpaid Invoices | View all outstanding invoices across your customer base. Pay on a customer's behalf or send a payment link directly from this view. | |
Direct Charge | Bill customers for fees, adjustments, or credits not tied to a standard order. Charge a saved method immediately or send a payment link. | |
Terminal | Process in-person card payments for walk-up and will-call customers. Requires hardware - contact your CSM to order. | |
Process Checks | Scan physical checks and match them to open invoices without leaving the platform. No separate check-processing workflow required. | |
Transaction History | Full log of all payment activity, statuses, and timestamps. Use for auditing, reconciliation, and resolving customer disputes. | |
Autopay Settings | Create recurring schedules (daily, weekly, monthly). Customers opt in and are charged automatically each run - credits apply first. | |
Statement Emails | Send real-time account statements so customers see their balance before invoices go overdue. Reduces late payments proactively. | |
Payment Plans | Convert aging balances into installment plans. Customers accept via email; invoices auto-reconcile oldest-first with each run. | |
Payment Groups | Organize customers into groups to apply shared payment settings, reporting views, or collection rules across accounts. |
Support Resources
Your CSM - Your first point of contact for anything Finance Hub related.
Help Center - help.usepepper.com - articles on all Finance Hub workflows, updated as the product evolves.
In-app chat - Live support chat is available directly inside Pepper for quick questions.
Finance Hub FAQ - help.usepepper.com/en/articles/10432744 - answers to the most common setup and payment questions.
Finance Hub User Guide Download the full user guide for a complete walkthrough of Finance Hub - from onboarding to day-to-day payment management.