Why Use Credit Card & ACH Processing in Apparel Management Software / Apparel ERP (Benefits Overview)

Cash flow is oxygen for fashion brands. Running payments through your apparel ERP turns slow, manual collections into a fast, automated workflow.

• Get paid faster: deposits, pre-authorizations, and invoice click-to-pay shrink DSO from months to days.
• Reduce risk: authorize before you ship; capture on fulfillment; fewer unpaid orders.
• Lower costs: route large invoices to ACH, enable customer-specific surcharges where allowed, and avoid high accounting-only processor rates.
• Save time: eliminate double entry and reconciliation errors with automatic posting to accounting.
• Happier buyers: card, ACH, self-service, and multi-currency—buyers pay how and when they want.

Scenario: Without Wholesale Credit Card Processing, Checks Create Costly Delays

Imagine this: a boutique orders 100 units. They offer to pay by card, but you don’t process cards—so you accept a check. Now you’re tracking payments manually, waiting on the mail, and reconciling by hand. Over time, that stack of paper turns your passion into a hassle. Integrated B2B credit card processing inside AIMS360 replaces that chaos with a secure, automated order-to-cash flow.

Authorization & Capture in B2B Credit Card Processing (How It Works for Fashion Wholesale)

Authorization (hold). Place a hold for the order total—no money moves yet. Example: you’ll ship a dress; first authorize the amount, then create the shipment.

Capture (charge). When the shipment is ready, capture to complete the transaction for up to the authorized amount.

Partial shipments / multi-capture. Fashion often ships in waves. Capture each shipment against the same authorization (or additional auths) so payments match what left the dock.

Deposits & Prepayments in Apparel ERP Systems (Next-Day Funding & Working Capital)

Take a deposit at order entry to secure inventory and fund materials. Deposits via credit card or ACH fund quickly (often next business day) and auto-apply to the invoice at shipment—real cash before goods leave your warehouse.

Pre-Authorizations with Estimated Freight in Software for Apparel Industry

A pre-authorization works like a hotel hold so you ship with confidence.

• Order-level pre-auth: include estimated shipping (weights, carton dimensions, destination, carrier rules) so the hold closely matches the final invoice.
• Pick-ticket pre-auth: confirm funds before pulling product—avoid pack → unpack → restock when a card fails late.
• Batch pre-auth: authorize dozens or hundreds of pick tickets on busy ship days; ops works a clean “approved” queue while AR resolves a short exception list.
• Hold window: typical auths last up to ~30 days (varies by card network); refresh holds if dates shift.

Warehouse benefit: securing approvals before picking reduces costly pack/unpack churn and 3PL rework.

Omnichannel Payments in a B2B Wholesale Platform / Apparel ERP (Marketplaces, Shopify, POS)

Sell everywhere and keep one ledger.

• Wholesale marketplaces (JOOR, NuOrder, Faire, FashionGo): if buyers prepay or pre-authorize there, AIMS360 mirrors the paid status (no double charge). If it’s a preorder with no deposit, it isn’t charged on the marketplace; AIMS360 will charge at invoice/ship time (card or ACH).
• Shopify & Shopify POS: retail payments import to AIMS360 automatically. Phone/showroom orders can be charged directly in AIMS360 so AR stays accurate.

Invoice Click-to-Pay & Card-on-File in a B2B Wholesale Platform

Turn invoices into one-click payments (card or ACH) from any device. Store multiple tokenized cards per account for repeat purchases. Buyers can add/update/delete cards in their profile—fast pay, zero risk to you.

Record-Keeping & Apparel Accounting Software Sync (QuickBooks Desktop/Online & NetSuite)

Every transaction posts with line-item clarity and syncs automatically to QuickBooks Desktop, QuickBooks Online, and NetSuite. No duplicate entry. Clean reconciliations. Real-time AR.

PCI Tokenization & Security in Apparel ERP Systems (Plain-English)

• Full card numbers never live in AIMS360.
• Data is tokenized and stored in the payment gateway’s secure vault; you see only the last four digits.
• Authorize, capture, and refund without touching raw card data; aligned with PCI DSS for simpler audits and lower risk.

Fraud & Risk Management in Apparel ERP / B2B Credit Card Processing (AVS, CCV, Velocity, Reviews)

Protect margins without adding friction.

Velocity filters (rate & source controls). Limit transactions per minute/hour/day and throttle attempts from the same IP to reduce testing attacks; tune thresholds for market week or peak seasons.

Transaction settings (data validation & amount controls). AVS street/ZIP matching, CCV/CVV checks, min/max amount rules, and gateway risk criteria (e.g., Authorize.net) to auto-flag suspicious attempts.

Filter actions (when rules trigger). Process & report, authorize & hold for manual review (up to 30 days), hold for review before authorization (up to 5 days), decline, and email notifications for suspicious activity.

Pairing pre-auth with these tools reduces chargebacks and prevents costly warehouse rework.

Costs: Save vs Accounting-Only Processors with B2B Credit Card Processing + ACH

AIMS360 typically delivers lower wholesale-oriented card rates and low-cost ACH than accounting-only processors. Add fewer declines (pre-auth + invoice links) plus zero double entry, and the total cost to collect drops—often by hundreds to thousands per month.

Setup: How to Use AIMS360 FREE Credit Card Processing (Included with Your Subscription)

1. Enable payments (included). Contact AIMS360 to turn on payments—no added software fees.
2. Collect cards securely (multiple ways, including batch).
3. • Customer Edit module: send secure card-entry links to one or many customers (batch supported) to refresh cards on file.
4. • Order module: from any order (or multiple selected orders), send card-entry links in batch to request a deposit, pre-auth, or card on file before pick/pack.
5. • Invoice module: from one or many invoices, send click-to-pay links in batch for card or ACH payment. Buyers enter details; AIMS360 tokenizes the card. Store multiple cards per account.
6. Pre-ship calculation & authorization. Before pick/pack, AIMS360 calculates merchandise + tax + estimated freight so you can obtain an authorization (and optional deposit) aligned to the expected total.
7. Authorization window & multi-auth. Holds typically last up to ~30 days (varies by network). Use multi-authorization for long lead times or staggered deliveries.
8. Capture at ship. Once the order is picked, packed, and has tracking, capture to complete the charge before goods leave the dock. Partial shipments support multi-capture against the same auth.
9. Accounting sync. Payments, deposits, credits, and refunds sync automatically to QuickBooks Desktop, QuickBooks Online, and NetSuite.

Access your AIMS360 credit card processing system via your portal link. For help, open a Zendesk ticket or email support@aims360.com.

Benefits Recap for Software for Fashion / Apparel ERP

• Record keeping: every purchase tracked—no lost info.
• Security: centralized, tokenized, PCI-aligned processing.
• Get paid sooner: deposits + next-day funding, pre-auths, click-to-pay.
• Cut input time: eliminate double entry; automate posting.
• Fast reorders: store multiple cards; card-on-file.
• Buyer incentive: pre-auth holds the charge until ship, giving boutiques time to pay their card bill.

Frequently Asked Questions (FAQ)

Do I still need JOOR Pay or NuOrder Payments if I use AIMS360?

You can use both. If a buyer prepays or pre-authorizes on JOOR/NuOrder/Faire/FashionGo, AIMS360 records that payment so you don’t double-charge. If an order is a preorder with no deposit, it is not charged on the marketplace—AIMS360 will handle the charge at invoice/ship time (card or ACH). Prepaid stays with the platform; unpaid or balance-due orders are charged in AIMS360.

Is it legal to charge a B2B credit card processing fee in California?

Generally yes, with proper disclosure and no surcharge on debit/prepaid. AIMS360 supports customer-specific surcharge rules so you can apply fees consistently and offer ACH as a no-fee option. (Not legal advice—confirm current rules in your jurisdiction.)

What cards and payment types does AIMS360 accept?

Visa, Mastercard, American Express, Discover, Debit Cards, Gift Credit Cards, and ACH bank transfers—embedded in your apparel ERP workflow for wholesale orders and invoices.

How fast do we get funded?

Cards typically fund next business day; ACH usually funds in 1–3 business days depending on bank and risk checks.

Will this be cheaper than QuickBooks Payments or our current processor?

In many wholesale scenarios, yes. AIMS360 pairs wholesale-oriented card rates with low-cost ACH, fewer reversals (pre-auth + invoice links), and no double entry—reducing the total cost to collect.

We offer Net 30/60—how does this help?

Keep terms and modernize collections. Send secure invoice links so buyers can pay online (card or ACH) when due—fewer delays, cleaner reconciliation.

How secure is storing cards in AIMS360?

AIMS360 uses PCI-compliant tokenization. Full card numbers never touch the ERP; only last-4 shows for reference. Sensitive data stays in the gateway vault.

Can customers manage their own cards?

Yes. In Weblink, buyers can add, update, or delete tokenized cards and pay deposits or invoices in a few clicks.

How does Remotelink help sales reps at tradeshows?

Reps can capture deposits or pre-auths on the spot (including swipe for physical cards), then orders and payments sync to AIMS360 immediately.

Can a 3PL ship for us and still ensure payment clears?

Yes. Use pick-ticket pre-authorization (and batch pre-auth) before the 3PL pulls inventory. It cuts pack→unpack cycles and speeds dock-to-door operations.

What if a pre-authorization expires before we ship?

AIMS360 tracks authorization status and alerts you to refresh holds if dates shift. You can obtain a new or supplemental authorization and capture when the goods are ready.

Do you support ACH for large wholesale invoices?

Yes. ACH is ideal for high-value orders due to lower fees. Invoice links allow buyers to choose ACH at checkout; funds typically clear in 1–3 business days.

What fraud controls are supported?

Velocity filters, AVS, CCV/CVV, amount rules, and gateway risk criteria (e.g., Authorize.net). Actions include process & report, authorize & hold for manual review (up to 30 days), hold for review before authorization (up to 5 days), decline, and email notifications for suspicious activity.

How do refunds/credits flow to accounting?

Issue refunds/credits in AIMS360; they sync automatically to QuickBooks Desktop/Online and NetSuite with line-item detail.