Finance Hub has a lot of surfaces, but the money underneath moves in one straight line: an order becomes an invoice, your customer pays, and the payment lands in your bank account with your books already squared. This article follows that line end to end and answers the questions distributors ask most: when your customers owe you, how you get paid, when you get paid, what comes out along the way, and what happens when a payment reverses.
The short version
An order becomes an invoice. Your ERP generates the invoice and its due date, and every invoice ties back to the order it came from.
Your customer pays that invoice by its due date, using card, ACH, check, or a payment link.
Pepper collects the payment, verifies the funds, and batches it with your other payments for the day.
Pepper pays you out. You get a daily payout to your bank, with a statement that breaks down everything inside it.
The payment posts back to your ERP, so your books close without double entry.
When a payment is due
Before any of this, your customer has to owe you, and that starts in your ERP, not in Pepper.
Payment terms are the window a customer has to pay after they are invoiced, and you set those terms in your ERP. When an order is placed, it flows to your ERP, which generates the invoice and its due date from the terms you have set for that customer. Pepper reflects that invoice and its due date. In most cases Pepper does not generate the invoice itself.
So the due date you and your customer see comes from your ERP terms. A customer on due-on-receipt owes you right away. A customer on Net 30 owes you thirty days from the invoice date. Because terms live in your ERP, the same order can be due on different dates for different customers, and Pepper shows each invoice's due date to you and to your customer.
One payout, not a hundred transactions
You do not track individual card and ACH transactions as they clear. Pepper collects every payment your customers make, batches them, and sends you a single payout on a set schedule. Each payout arrives with an email that breaks down which invoices and customers it covers. Card or ACH, the money comes together on the same cadence, so reconciliation is one line of work instead of dozens.
When you get paid
Payouts run daily. How fast a payment reaches your account depends on its size, not on how it was paid.
Payments under $5,000 reach you the next business day, which covers about 99% of distributor transaction volume. Payments of $5,000 and over settle in three business days.
Two more details worth knowing:
For American Express, your business name can take one to two days to appear on the customer's statement.
AutoPay runs against a 6 PM cutoff in your time zone. Payments started before the cutoff are picked up that day.
What comes out of a payout
Your payout is the net amount, not the gross. A few things come out before the money reaches you, and each one appears as its own line on your statement, so nothing is hidden.
Processing fees. Every card and ACH payment carries a processing fee, which is what you pay Pepper to move the money. You choose when that fee comes out, before or after your payout.
Taken before payout, Pepper deducts the fee first and deposits the net amount. This fits when your customer covers the fee: on a $100 invoice with the fee passed on, the customer pays $102 and you receive $100.
Taken after payout, Pepper deposits the full amount your customer paid, then pulls the fees separately on a schedule you set, daily or weekly. This is useful for ACH when the customer does not pay the fee, because your deposit matches exactly what the customer paid: on a $100 invoice, the customer pays $100, you receive $100, and the fee comes out afterward.
Refunds. Any full or partial refund you issue reduces the payout, since that money goes back to the customer.
Reversals and their fees. If a payment reverses after you were paid, the amount is clawed back and a flat $10 fee per chargeback is applied. Both show as separate line items, covered in the next section.
Because every deduction is itemized, you can always tie your net deposit back to the gross activity behind it.
When a payment reverses
Pepper pays you quickly, sometimes before a payment is permanently final. An ACH debit can bounce days later, and a card charge can be disputed weeks later. When a payment you were already paid for reverses, Finance Hub handles it for you automatically:
The invoice goes back to owed, so it shows as an open balance again for you and your customer.
The reversed amount is clawed back as a CHARGEBACK line item, on the same daily or weekly schedule your account uses for fees.
A flat $10 fee per chargeback appears as a separate line item on the same payout, and it applies regardless of how the dispute is resolved.
Pepper emails your admins with the customer name, the amount, the affected invoices, the payment method, and the reason.
This is why a payout total will not always match your gross sales for the period. The clawback is the counterweight to daily payouts: it lets Pepper pay you fast, and it keeps every reversal visible on your statement instead of leaving an unexplained gap. To cut down on reversals in the first place, Pepper recommends enabling Plaid for ACH, which verifies the customer's bank and available balance before a payment goes through.
For chargeback types, dispute deadlines, and how to submit evidence, see the Chargebacks on Pepper article.
Where the details live
This article is the map. For the turn-by-turn, the existing Finance Hub articles go deeper:
Finance Hub: Distributor FAQ covers payment methods, AutoPay frequency, partial payments, and passthrough fees.
Chargebacks on Pepper covers reversal reasons, dispute deadlines, and how to submit evidence.
Processing Checks covers how scanned checks match back to invoices.
Payment Status Glossary defines every status on the Transaction History page.
Getting Started with Finance Hub covers turning on payments and first-time setup.