IndustriesB2B payments built foragriculture
Bring payments for seeds, fertiliser, feed, crop protection and machinery onto one platform, from dealers to farmers. Accept agricultural cards and get paid without waiting for the harvest.
From Hilton to Arnica, leading brands run their B2B payments on Tahsildar.
The payment problems agribusinesses know best
Seed, fertiliser, crop protection and feed producers, irrigation and farm machinery firms, and distributors working with dealer and farmer networks run into the same issues. Tahsildar has a ready answer for each.
Dealer Financing
Agricultural cards
Physical POS
Online Payments
Dealer Payments
Dealer Order Management
ERP / CRM Integration
Commercial Scoring
DBS ReportingPayment depends on the harvest
Seeds, fertiliser and crop protection are sold at the start of the season, and farmers pay from harvest income. You carry the receivable for the months in between, and a bad season pushes your whole payment plan back.
Solution
- Your dealer or the farmer chooses Dealer Financing at checkout; once the loan is disbursed, the amount goes straight to your company
- Fibabanka agricultural credit of up to TRY 2 million for local farmers
- Terms of up to 18 months with Fibabanka; you choose the term to match the harvest
- Your company never becomes the dealer’s or farmer’s debtor or guarantor; the bank makes the credit decision
- Cost sharing: cover part or all of the cost, with no separate payment
Your dealer or the farmer chooses Dealer Financing at checkout; once the loan is disbursed, the amount goes straight to your company- The dealer signs a promissory note due after harvest
- You finance the order for eight months
- If the harvest is poor, the note is rolled over
- The dealer chooses to pay with financing at checkout · Fibabanka
- Once the loan is disbursed, the amount lands in your account
- The term sits between the dealer and the bank; you are not a guarantor
The harvest no longer shifts your payments. The amount is in your account on the day the loan is disbursed.
Accept agricultural cards
Agricultural cards are a Turkey-specific card type: farmers buy inputs with a card from their bank and repay the bank in line with the harvest. Tahsildar integrates with banks’ agricultural POS, so agricultural card payments arrive alongside the rest of your payments.
Solution
- Integrated with banks’ agricultural POS; agricultural POS from payment institutions are available too
- Agricultural POS runs as a virtual POS: send a payment link by SMS or QR code and the farmer pays by agricultural card from their phone
- Agricultural card payments show up in the same panel as your other payments and sync to your ERP
- Deferral period, fees and settlement terms are set by the card-issuing bank and the POS
Card names belong to the issuing banks. Card and deferral terms are set by the banks.
Getting paid in the field, the village and the dealer counter
Sales to farmers often happen in the field, in the village or at the dealer’s counter. Field reps come back with cash and cheques, and payments only show up once they are written into a ledger or spreadsheet in the evening.
Solution
- Assign a Physical POS to your field rep, who takes card payments in the field independently of the dealer
- Single-payment sales land on your company card the next day at 0% fee
- Payment links reach remote farmers by SMS or QR code; they pay by credit card or agricultural card
- See which POS is with which rep and how much came in from each point on one screen
- Automatic reminders go out to farmers before the due date
- The rep collects cash and cheques
- Payments are written into a ledger in the evening
- Who paid only becomes clear in accounting the next day
- Farmers pay by card on the rep’s POS
- Remote farmers receive a payment link by SMS
- All payments show on one screen
Field payments are on record. Less cash to carry, fewer cheques to pick up.
The parent company, dealer and farmer chain
In agriculture, sales often move through a parent company, dealer and farmer chain. The dealer collects from farmers and pays you separately; the receivable building up in the middle only shows when the dealer fails to pay.
Solution
- Dealers and sub-dealers take payments from farmers and pay you from the same screen
- Payments can go to the dealer’s IBAN, or come straight to you and post to the dealer’s account as a credit
- Set a separate payment set-up and credit limit for each dealer
- In the parent company, dealer and sub-dealer chain, everyone sees their own reports and you see the whole network
- Dealers log in on your own domain and see your brand
- The dealer collects cash and cheques from farmers
- Your payment arrives by bank transfer at month-end
- The dealer’s open receivables are invisible to you
- Farmers pay by card from the dealer’s screen
- The payment comes to you and posts to the dealer’s account as a credit
- Dealer and farmer payments in the same report
The whole chain is visible. You see which dealer collected from which farmer.
Orders pile up at the start of the season
In planting and spring seasons, orders for seeds, fertiliser and crop protection pile into a few weeks. Orders are taken by phone, and dealer-specific prices and warehouse stock are checked one by one.
Solution
- Dealers order from your private B2B storefront using price lists specific to their dealer group
- Stock by warehouse; units of measure and unit conversion (sack, case, litre)
- Volume target discounts, category and brand discounts
- The basket closes with payment: card in instalments, bank transfer (EFT and havale), Dealer Financing or on account
- Your field team enters sales rep orders and sub-dealers place their own
- The dealer calls to ask about price and stock
- The order is noted and the warehouse called separately
- Payment is left until the end of the season
- The dealer builds the basket with their own price list and warehouse stock
- Volume target discounts apply in the basket
- Pays by card or financing; the order syncs to the ERP
Peak season doesn’t jam the phones. Orders and payments sync to your ERP.
Cheques, transfers, cards: scattered payments
Farmers and dealers pay by cheque, bank transfer, card and financing, spread across different banks. Working out which payment belongs to which customer account becomes accounting’s longest job at the end of the season.
Solution
- Dealers pay from their own screen, so the payer is known; the payment posts to their customer account in your ERP
- Payments, POS transactions, refunds and voids post to the right customer account
- Customer master data, balances, open items and invoices sync from your ERP to Tahsildar
- Bi-directional sync with SAP and Turkey’s leading ERPs (Logo, Mikro, Nebim); no middleware
- Sync timing is set in the panel and every sync is logged
- Each bank statement is downloaded separately
- The customer is found from the description and the payment posted by hand
- Dealer reconciliation is done by phone
- Every payment posts to the dealer’s customer account in the ERP
- Refunds and voids post to the right account too
- A failed sync shows up with its reason
Less double entry, an ERP that stays current. End-of-season reconciliation gets shorter.
The effect of a bad season on dealers is noticed late
Drought, frost or falling prices hit the farmer’s ability to pay first, then the dealer’s. A dealer’s purchases and payment pattern start changing months before, but the problem is often noticed only when a payment is late.
Solution
- Commercial Scoring: your whole dealer network monitored continuously, with deterioration visible weeks before a late payment
- Improving and deteriorating dealers listed separately; a notification when a grade changes
- Track by region, sales rep and dealer group
- DBS Reporting: DBS credit limits, invoices and maturities across all banks in one panel
- No paperwork from dealers, no extra integration
Both products are in development. Commercial Scoring is for companies that run dealer payments on Tahsildar; DBS Reporting is reporting only.
- A dealer’s purchases fall without anyone noticing
- Payment is late at the end of the season
- Credit terms change only after the late payment
- A dealer with weakening purchase continuity is flagged
- A notification when the grade changes
- Terms are reviewed before any late payment
See risk before the season ends. Decide before a payment is late.
Frequently asked questions
Can’t find the answer you need? Review your dealer and farmer network’s payment set-up with our team.
+90 850 532 75 05Agricultural companies selling through dealer or farmer networks: seed, fertiliser, crop protection and feed producers and distributors, and irrigation and farm machinery firms. As the parent company, you track dealer and farmer payments on one screen.
With Dealer Financing. Fibabanka agricultural credit of up to TRY 2 million is available to local farmers; once the loan is disbursed, the amount goes straight to your company and the farmer repays the bank on term. You can offer terms of up to 18 months with Fibabanka; the bank makes the credit decision.
Yes. Agricultural cards are a Turkey-specific card type for farmers, and Tahsildar integrates with banks’ agricultural POS: you can accept Ziraat Bankası Başak Kart, İşbank İmece Kart, VakıfBank TarımKart, TEB Harman Kart, DenizBank Üretici Kart, Şekerbank Hasat Kart and Kuveyt Türk Tohum Kart. Agricultural POS runs as a virtual POS, so you can also send farmers a payment link. For agricultural POS from payment institutions, use our free POS pricing quote service; rates are set by the payment institutions.
Assign a Physical POS to your field rep or send the farmer a payment link by SMS or QR code. Single-payment Physical POS sales land on your company card the next day at 0% fee; paying by link needs no website.
Yes. With Dealer Payments, dealers and sub-dealers take payments from farmers on their own screen. Payments can go to the dealer’s IBAN, or come to you and post to the dealer’s account as a credit; you decide the set-up.
Tahsildar syncs bi-directionally with SAP and Turkey’s leading ERPs (Logo, Mikro, Nebim), as well as other widely used ERPs. Customer master data, balances and open items come from your ERP; payments, POS transactions, refunds and voids post to the right customer account. No middleware is needed; you only grant access.
Our infrastructure is built for peak periods: it scales automatically with load and balances traffic, so it can absorb the higher payment volumes of harvest season. Systems are monitored 24/7 and our team is alerted automatically if anything unusual happens. If you have more than one POS set up, payments fail over automatically to a backup acquirer when a bank or payment institution has an issue.
Most set-ups go live within 24 hours, depending on your infrastructure. You set everything up together with your dedicated onboarding specialist, and your existing dealer data and customer accounts are migrated at no extra cost. Tahsildar is offered as a package. We’ll work out the products and plan that fit you in a free demo. Onboarding support, your dedicated account managers and web services / API come at no extra cost.
Let’s plan payments across your agricultural network
Fill in the form and we’ll review payments across your dealer and farmer network with you in a free demo.