Wholesale and direct ecommerce payments for RUO merchants

Describe how each channel actually works

A wholesale buyer may start with a quote or purchase order and pay an invoice. A direct ecommerce order may start in a cart and be paid immediately at checkout. A business that operates both should show the reviewer where orders begin, when payment is taken, and which records are kept.

Show the differences that affect payment review

• Report normal and unusually large order values separately if wholesale orders are larger.
• Explain invoice due dates, partial payments, shipment timing, and who authorizes payment for the buyer.
• For direct checkout, show where pricing, shipping, and refund information is visible before a customer pays.
• Identify which channels have prior payment history and which are forecast activity.

Verify that each payment channel is within scope

Review your terms for the website and payment methods the acquiring arrangement covers. Ask before moving payments into a new channel, such as switching from a storefront checkout to invoicing or adding payments by phone. Update order records and reconciliation procedures for each approved workflow.