Credit Card - Smart ACH for Epicor Prophet 21 ERP 

Prophet 21® Wholesale Distribution Software: Credit cards, ACH payment processing & automated account receivable  

Simplify your Account Receivable processes with modular, cloud-based AR and payment acceptance solutions which integrate easily to P21. Unified Payment Group’s compliant surcharge solution for 0% cost credit card acceptance and our entire suite of automated AR and cash application solutions, including dynamic e-invoicing, pay-by-text, online, mobile/curbside payments, and more come with concierge level support and 24/7 customer service by U.S.-based experts. When you call Unified, you’ll speak to experts from the payment and treasury management industries who know you and your business.

P21-Integrated AR Technology with Compliant Surcharge Solution Eliminates Credit Card Acceptance Fees


The fees wholesaler-distributors pay to accept credit cards, interchange, dues, and assessments, often represent the most significant portion of their order to cash fees paid and can be much larger than their other treasury management costs.


Visa’s recent rate increase in July of this year and the adjustment planned for April are the card brand’s largest fee increases to B2B processing in more than a decade. These rate adjustments target Card-Not-Present transactions, those most common in wholesale distribution.


Modular, cloud-based AR and payment acceptance solutions from Unified Payments Group, including compliant surcharge technology for credit card payments, mitigate credit card acceptance fees and integrate easily with Epicor Prophet 21.


M&A Supply Company, a P21 user and wholesale-distributor of heating & air conditioning equipment and supplies for more than 50 years, understands balancing the cost of accepting credit cards with offering the option to customers who may need it. 


M&A Supply contacted Unified Payments for a complimentary, custom AR Consultation and to learn more about Unified’s compliant surcharge solution which passes credit card processing fees on to customers at the point-of-sale. After just 3-months of leveraging Unified’s Online Payment Acceptance, Enhanced ACH Processing, and Compliant Credit Card Surcharge solutions, M&A has experienced significant savings and benefits including:


  • Saved more than $216,000 in their first six months using integrated surcharge and ACH processing.

  • Increased customer satisfaction and self-service driven by integrated online payment solution.

  • Reduced effective rate from 2.85% to 0.05%.

  • Automated cash application for payments received.

Founded in 1969 and based in Nashville, TN, M&A Supply remains a

family-owned business and has grown to become one of the largest

privately held independent wholesalers in the country with more than

15 locations in three states.


Unified’s compliant surcharge solution for credit card acceptance and

their entire suite of automated AR and cash app solutions, including

dynamic e-invoicing, pay-by-text, online and mobile/curbside payments,

and more are supported 24/7 by U.S.-based experts. All Unified solutions

come with on-going consultation and concierge support by experts from the payment and treasury management industries.


Receive Your Complimentary AR Savings Consultation to understand what a P21-integrated compliant surcharge solution for credit card acceptance can mean for your business.


Watch this Video to See How Unified Payments Group Simplifies AR.

On Demand Webinar: Learn how a P21 user saved over $216,000 in their first six months using Smart AR solutions


Call 888.440.0117 or visit to get started.


Please contact us if we can help -or- be a resource in your P21 Adventures!

We appreciate the opportunity to be (or to become) your Partner-in-P21.