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Payables: Dynamic Discounting

Payables:
Dynamic Discounting

Pay earlier to save money.

Dynamic Discounting is the smarter, more flexible Discount

Many will be familiar with cash discounts or the classic 2 to 3 percent for payment within a defined period. Dynamic Discounting is much more versatile. On the basis of a flexibly defined interest rate, the customer can pay the supplier early on any day up to the actual due date of an invoice, deducting a dynamic discount. Customers pay the invoice when the supplier wants them to. This allows the customer to use free liquidity to generate attractive returns. As a result, a supplier no longer has to wait until the end of the agreed payment term for his money and at the same time reduces his receivables portfolio. The more stable the supplier’s financing, the more stable the supply chain’s value creation. Best of all, with Traxpay, implementation is simple and requires no adjustments to existing business processes.

In contrast to the static discount, with Dynamic Discounting the specific discount depends on the timing of payment and is available on favorable terms on any day.

Traxpay makes Dynamic Discounting very simple

As obvious as the advantages of Dynamic Discounting are, implementation would be extremely complicated if you had to manually enter and record each discount condition for all invoices. But don’t worry: the Traxpay Dynamic Financing Platform© avoids this effort. The customer independently determines how much liquidity should be made available, at what conditions and for which suppliers. Suppliers, on the other hand, can use the Traxpay Dynamic Financing Platform© to determine which invoices they want to have paid earlier and when.

Implementing a Dynamic Discounting program is easy: Traxpay supports you in determining the terms and conditions, your discount revenue potential, plus the selection and onboarding of your suppliers.

The three most important advantages for buyers:

1

High returns on liquidity

With Dynamic Discounting via Traxpay, buyers leverage their liquidity by providing their suppliers with an automated and sustainable early payment option in exchange for a dynamic cash discount. In addition, suppliers gain transparency over the invoicing process since all invoices approved by the customer are clearly displayed.

2

Strengthen supply chains

By granting an early payment option, buyers strengthen their suppliers in a targeted manner. This is because they receive the liquidity they frequently need from the buyer and can thus avoid having to draw on credit lines and/or factoring.

3

An emphasis on sustainability

With Traxpay, buyers have the opportunity to consciously grant special conditions to suppliers who act in a particularly sustainable manner and thus promote sustainable business.

The three most important advantages for suppliers:

1

Simple and free to use

Suppliers log on to the platform via their web browser and immediately receive an overview of all invoices accepted by the buyer. With a simple click, the early payment is triggered – done.

2

Flexible and bank-independent

Only the invoice amounts that are actually needed to secure liquidity need to be accelerated. There is no obligation to accelerate all receivables – although this can of course be set up easily and quickly.

3

A more stable business relationship

With Dynamic Discounting, suppliers receive their money earlier and reduce the customer’s payment risk. This reduces the cost of credit default insurance. Dynamic discounting stabilizes the liquidity supply and at the same time strengthens the relationship with the customer.

The three most important advantages for buyers:

1

High returns on liquidity

With Dynamic Discounting via Traxpay, buyers leverage their liquidity by providing their suppliers with an automated and sustainable early payment option in exchange for a dynamic cash discount. In addition, suppliers gain transparency over the invoicing process since all invoices approved by the customer are clearly displayed.

2

Strengthen supply chains

By granting an early payment option, buyers strengthen their suppliers in a targeted manner. This is because they receive the liquidity they frequently need from the buyer and can thus avoid having to draw on credit lines and/or factoring.

3

An emphasis on sustainability

With Traxpay, buyers have the opportunity to consciously grant special conditions to suppliers who act in a particularly sustainable manner and thus promote sustainable business.

The three most important advantages for suppliers:

1

Simple and free to use

Suppliers log on to the platform via their web browser and immediately receive an overview of all invoices accepted by the buyer. With a simple click, the early payment is triggered – done.

2

Flexible and bank-independent

Only the invoice amounts that are actually needed to secure liquidity need to be accelerated. There is no obligation to accelerate all receivables – although this can of course be set up easily and quickly.

3

A more stable business relationship

With Dynamic Discounting, suppliers receive their money earlier and reduce the customer’s payment risk. This reduces the cost of credit default insurance. Dynamic discounting stabilizes the liquidity supply and at the same time strengthens the relationship with the customer.

Read also

Reverse Factoring

Strengthen your supply chain and your working capital with help from selected financing partners.

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Digital Guarantees

A tailored, secure and cost-effective alternative to trade credit insurance.

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Sustainability

Reward your suppliers’ strong ESG characteristics with advantageous discounting terms.

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Any questions?

Sibel Kücükcolak Traxpay
  • Sibel Kücükcolak
  • Sales Executive
  • +49 69 597 721 535
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