Digital payments keep mobile businesses moving

When a baseball smashes through your bay window, a quick home repair is really your only option.

To make this mobile fix-it as fast and frictionless as possiblepossible, service providers are rolling out digital payments, billing and ordering.

“The easier you make it easy for the customer to pay, the faster you’ll get paid,” said Michael Casella, executive vice president of Main Street Computerssaid PYMNTS.

Casella was describing one of the benefits of text-to-pay, a feature the company added to its software for the automotive and flat glass industry last year.

It’s common for a flat glass installer to quote and later get a call from the B2B customer saying they’d like to go ahead with the job, Casella said. If the installer requests a deposit for the job, they can immediately access the software, put the deposit on a work order and text it directly to the customer’s phone.

“They just click on the link, it opens a secure website and they can enter their information to process the payment,” Casella said.

Deploy secure links and QR codes

In addition to enabling this rapid response, text-to-pay also offers a means of circumventing two barriers common not only to the glass industry, but also to other industries and to personal life: the trend of e- emails to get lost in cluttered inboxes and phone calls. not be answered.

“Nowadays it’s pretty common, everyone has a phone with them and nobody answers the phone anymore,” Casella said. “But if you text them, they’ll definitely see it.”

For B2B customers who prefer email, Mainstreet’s software offers the ability to email an invoice that includes both a link and a QR code. Customers can click on the link to a secure website or, if they have printed a copy of the invoice, they can scan the QR code to also go directly to payment.

We have a complete accounting package, so, with our customer accounts, they can send their customer statements, and on that statement, we offer the same they can use our “pay now” link to pay with their credit card or scan the QR code,” Casella said.

The software can accept almost any type of payment method, Casella said. Credit card payments have become common for B2B payments. With Mainstreet’s payment processing system, additional service fees may be added to recover money paid in fees by the company to credit card processors.

“A few years ago it was much more common for a business to pay by check, but more and more businesses are paying by credit card,” Casella said.

Activation of “progressive billing”

Text-to-pay is just one of the latest features added to Mainstreet’s suite of software packages and features designed to meet the unique needs of the glass industry. a in quotes, invoicing and B2B invoicing clients.

For example, for flat glass installers, common jobs include table tops and shower enclosures for residential customers, and high-rise storefronts and windows for commercial customers.

With a residential customer and a job that can cost several thousand dollars, the installer typically takes a deposit to order the materials and then collects the remaining money after the job is complete, Casella said.

With a commercial customer and a project that could cost tens of thousands or hundreds of thousands of dollars and take several months, on the other hand, the installer will bill over time as the project elements are completed, Casella said. Examples of this include projects around apartment buildings, hotels, or residential builders building many homes in a neighborhood.

For this type of project, Mainstreet has implemented a system called “progress billing”. The installer creates a work order with everything that is going to be on the job and later, as certain parts of the job are completed, enters and invoices only those things.

“As things change over time – which they always do – they have the ability to do what’s called a ‘change order’ to change that initial work,” Casella said.

Verification of invoices before they are sent

For automotive glass installers, much of their business is insurance-based. A common problem in this segment of the industry is that if something on the installer’s invoice does not match the shipment from the insurance company, the audit on the insurance side will reject the invoice and the will send back for correction.

To avoid this delay, Mainstreet’s software checks a draft invoice against the submission, ensuring that all fields are completed correctly before an invoice is submitted.

“The vast majority of their invoices need to be processed, and they need to be paid promptly – which is, of course, very important to all of our customers,” Casella said.


About: Results from PYMNTS’ new study, “The Super App Shift: How Consumers Want To Save, Shop And Spend In The Connected Economy,” a collaboration with PayPal, analyzed responses from 9,904 consumers in Australia, Germany, UK and USA. and showed strong demand for one super multi-functional app rather than using dozens of individual apps.

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