Cut+Dry

Pay, built for your AR & finance team

Self-guided, at your own pace. See what Pay does, what it costs you to stay manual, and exactly how setup works.

Hero video · 45–60 sec A short welcome from the Cut+Dry team
Start here

Your bank moves money. Pay collects it.

Most distributors compare our fees to their bank's and stop there. Fair. But your bank only moves money. It doesn't remind, follow up, match the deposit to the invoice, or key it into your ERP. Your AR team does all of that by hand.

Pay is a collection platform, not a processor. Reminders go out on their own, AutoPay collects on schedule, and every payment posts back to your ERP with the invoice detail attached.

Video 1 · 90 sec "Why Pay is not just another processing fee"
Proven in the field

What it looks like once it's running

22.0%
faster collections
23.7 days
average collection time, down from 30.3
45.0%
more invoices paid online in a year
Cook's Company Produce
"We are getting paid faster with digital payments and auto postings, and customer feedback has been extremely positive. Cut+Dry has been a big win for sales and accounting."
Joe Quach, Cook's Company Produce
What you get

The repetitive work, handled

For your customers

  • One portal: every outstanding and past-due invoice in one view
  • Pay one invoice, batch-pay many, schedule a payment, or set AutoPay
  • They see what they owe when they log in to order, a second nudge beyond email

For your AR team

  • Aging view by customer; filter to anyone past due and collect in two clicks
  • No bank portal, no manual cash application
  • Every payment posts back to your ERP, invoice-level detail already matched
Video 2 · 90 sec "What your AR team actually gets"
PortalCustomer portalOutstanding and past-due invoices, batch pay.
AR viewAging viewFilter past due, collect in two clicks.
AutoPayAutoPay setupCustomer turns on AutoPay.
Before we go further

What's an FTNI?

FTNI is the payment-tech partner that lets your bank receive ACH payments through Cut+Dry Pay. Think of it as the plumbing behind Pay.

What it is

  • Not a product or subscription you buy
  • A one-time setup
  • Only used when a customer pays an ACH invoice

How it works

  • ACH funds move straight from your customer's bank to yours
  • Cut+Dry never holds your ACH money
  • FTNI sends your bank a daily file; your bank deposits one combined amount, usually the next business day
If your bank can't support FTNI: ACH still works. It routes through Cut+Dry's processing bank instead, so funds pass through us first and land a few days slower.
Where the money goes

Direct for ACH. One clean deposit for cards.

ACH PAYMENTS · DIRECT, BANK TO BANK Customer's bank FTNI Your bank next business day Cut+Dry never touches the funds CARD PAYMENTS · THROUGH CUT+DRY, ~2-BUSINESS-DAY PAYOUT Customer pays by card card Cut+Dry merchant of record ~2 business days Your bank one daily deposit + daily report, posts to your ERP broken down by customer & invoice
  • ACH: customer bank to your bank via FTNI, next business day. Cut+Dry never touches the funds.
  • Card: funds to Cut+Dry first, then a single payout to you in about 2 business days (pay Mon, you get it Wed).
  • Ten card payments in a day = one deposit, plus an Excel report and ERP posting broken down by customer and invoice.
Video 3 · 90 sec "Where your money goes, and when"
You stay in control

Automated, never on autopilot

Pay takes the busywork off your team without taking the relationship out of your hands. Customers pay when they choose, payment methods keep themselves current, and looping in a bookkeeper takes one click.

  • Everyday accounts: a reminder with a pay-now link. The customer pays when they choose.
  • Expiring or changed cards: the customer is alerted automatically to update, so AutoPay never lapses.
  • Outside bookkeeper: send a secure invite to view and pay specific invoices, no account setup needed.
  • A saved method is only ever charged with the customer's authorization on file, with a time-stamped record.
Video 4 · 75–90 sec "See it in action: past-due to paid"
What setup looks like

Runs in parallel. Won't slow your launch.

  • FTNI (the bank-to-bank ACH connection) is the one piece with a clock, typically 6–8 weeks depending on how fast your bank moves.
  • It runs parallel to ordering setup. Not a blocker, as long as we start it early.
  • We test together before any real customer: validate invoice data, run real ACH and card test payments, confirm payout lands and posts back to your ERP.
  • You enable Pay customer by customer, at your own pace. No forced switch-over.
Video 5 · 90 sec "Getting set up, without slowing your launch"
Straight answers

Questions we hear most

Scroll sideways for more →
How and when is the $1 invoice fee billed?
It's billed monthly on your Cut+Dry SaaS invoice, based on the invoices paid the prior month. It's not taken out of your payouts. Your deposits land in full, and the fee shows as its own line on the monthly bill. Credit memos don't count toward it.
Who absorbs the 3.0% credit card fee?
Your call, per customer. Pass the full 3.0% to the customer, split it (e.g. customer 2.5% / you 0.5%), or absorb it into your cost of goods. The fee covers the card networks' processing cost.
Is ACH free for our customers?
Yes. ACH costs your customers nothing. The per-invoice fee is yours and appears on your monthly bill, and card payments carry the 3.0% you can pass, split, or absorb.
Is our customers' card and bank information stored securely?
Yes. Cut+Dry doesn't store card numbers or bank account details. When a payment method is added, it goes straight to PCI-certified processing partners, who return a secure token. Only that token is stored, never the actual numbers.
How does my bookkeeper match a deposit back to specific invoices?
For card payouts, copy the TRX descriptor from the portal (Pay > Payouts) or your daily summary email and search your bank for it. For ACH, your bank builds the descriptor, so match those by tying the deposit total to the payout record. Every payout comes with an invoice-level report.
What if a balance in Cut+Dry doesn't match our ERP?
Invoice data syncs from your ERP on a schedule, usually once or twice a day, so the common cause is timing: a payment applied in your ERP after the last sync shows up on the next one. If a mismatch lasts past 24 hours, send us the invoice number and we'll investigate.
Is the Pay tab all our receivables, or just Cut+Dry orders?
The Orders tab shows Cut+Dry orders only. The Pay tab shows your full invoice history pulled from your ERP, including invoices from other channels, so it's your complete receivables view in one place.
Will payouts and payments sync to my ERP?
Yes. Payments post back automatically with invoice-level detail, and the daily card payout comes with an Excel report by email plus an ERP posting broken down by customer and invoice.
Can I keep ordering staff from seeing invoices and balances?
Yes. The Pay tab is role-based. Only bookkeeper and admin roles see invoice and payment data; employee and manager roles don't.
Our customer has multiple locations, can one login handle all of them?
Yes. A customer or outside bookkeeper added to multiple location profiles uses one login to switch between units, see each site's invoice history, and pay across locations individually or in one batch. And if someone needs to pay without an account at all, your AR team can send a secure Guest Pay link to view and pay a specific invoice, no app or signup required.
Will automated emails overwhelm our customers?
You control them. Notifications can be turned on or off by type and by user or customer role, and customers can opt out themselves. Email isn't the only channel either: customers see what they owe when they log in to order.
What happens if an AutoPay charge fails?
It retries up to three times, then emails both the customer and your team with the reason (e.g. insufficient funds), so the right person can follow up.
A customer returned an item, can they short-pay the invoice?
The clean way is a credit. Your team issues a credit in your ERP (the source of truth), which reduces the invoice balance before payment. Partial payment exists, but it's for customers paying down a large balance, not for disputes.
What about COD or high-risk accounts?
Pay can place a credit card hold at order placement, like a hotel pre-auth. When the invoice issues after delivery, the hold is released and the final amount is charged automatically, no action needed from the customer. Holds require a card, not a checking account.
What if our bank can't support FTNI?
ACH still works. It routes through Cut+Dry's processing bank instead of bank-to-bank, so funds pass through us first and land a few days slower. FTNI is the faster path when your bank supports it.
Can Pay be used by customers who don't order through the app?
Yes. They can use the Pay portal on its own for invoicing and payment, without placing orders through the platform.
Cut+Dry

Ready when you are

The one piece with a clock on it is FTNI, typically 6–8 weeks depending on your bank. The sooner we send the bank intro, the sooner the clock starts. Pick the option that fits your team below.

Option 1 Contact your DTM directly
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Your DTM owns the FTNI bank intro. Let them know you're ready and they'll send the bank outreach. You just need to share your bank contact's name and email.

Email [DTM Name] →
Option 2 Your team reaches out to your bank
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If you'd like to initiate directly, use this template. Fill in the bracketed fields, then send from your email client.

Option 3 DTM sends the bank intro on your behalf
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Share your bank contact's name and email with your DTM. They'll send this intro and handle the back-and-forth from there. Here's what goes out:

What happens after this email:
  1. FTNI replies with available dates for the setup call.
  2. Setup call: your bank + FTNI, ~30–45 min. You don't need to be on it.
  3. Bank and FTNI establish the ACH connection on the backend, 6–8 weeks.
  4. Once live, ACH payments route directly from your customers' bank accounts to yours, next business day.