Merchanter + Ontik
Automated Trade Payments & Credit Control for Builders’ Merchants
Chasing payments is one of the most time-consuming and frustrating parts of running a merchant business. The Merchanter and Ontik integration is designed to change that.
Ontik is a digital trade credit and payments platform built specifically for builders’ merchants. Integrated with Merchanter, it helps automate payment collection, improve cash flow, and give both finance teams and branches better visibility and control over customer accounts.
The result? Less manual chasing, fewer late payments, and a smoother experience for your customers.
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Who is this integration for?
The Merchanter + Ontik integration is ideal for:
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Builders’ merchants managing trade credit accounts
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Finance teams looking to reduce time spent chasing payments
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Branch teams needing visibility of customer credit at point of sale
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Merchants wanting to improve cash flow without damaging relationships
If you already use Merchanter to manage sales, stock, and customer accounts, Ontik adds a powerful layer of automated payments and credit control on top.
Why integrate Merchanter with Ontik?
Merchanter is designed to work alongside best-in-class specialist platforms. By integrating with Ontik, you’re not replacing your ERP — you’re extending it, adding smarter tools where they matter most.
It’s about choosing the right system for each job, and making sure they work together seamlessly.
Take the pressure off credit control
Collecting payment from the trade is hard work. Payments often arrive late, valuable time is spent chasing debt, and card fees eat into already tight margins. Ontik automates much of this process, reducing the reliance on manual follow-ups and freeing up your team’s time.
Improve cash flow without upsetting customers
Ontik provides a mobile-friendly payment experience designed around how tradespeople actually work. Customers receive clear payment requests, multiple payment options, and a simple way to settle outstanding invoices without phone calls or awkward conversations.
Give branches and finance teams the same view
By linking Ontik with Merchanter, both branch teams and finance staff can see the same, up-to-date account information. That shared visibility makes it easier to manage credit limits, spot overdue balances early, and take action before problems escalate.
Built for merchants, not generic finance teams
Ontik already powers automated payment collection across hundreds of merchant branches in the UK. It’s designed specifically for trade accounts, credit customers, and the realities of merchant operations.
How does it work?
Once the integration is set up, everything moves smoothly between Merchanter and Ontik:
Live connection to Merchanter
Ontik connects directly to Merchanter, using live account and invoice data to drive payment automation. This creates a single, reliable source of truth for customer balances and outstanding invoices.
Automated payment requests
Payment links can be sent automatically or triggered as part of your credit control workflow. Customers receive clear, branded requests showing exactly what they owe, what’s overdue, and what’s due next.
End-to-end payment cycle
From payment request to reconciliation, Ontik supports the full payment lifecycle. Once a customer pays, the information flows back, keeping records accurate and up to date without manual intervention
Better experience for trade customers
Payments are designed for mobile use, with multiple bank options and a simple, familiar interface. Customers can pay when it suits them, while you retain control of credit terms and limits.
