IndustriesPayments built forcooperatives and unions
Bring payments for inputs onto one platform, from the union to cooperatives and from cooperatives to members. Get paid without waiting for the harvest, and see every cooperative’s payments on one screen.
From Pankobirlik to İşbir, leading brands run their B2B payments on Tahsildar.
The payment problems cooperatives know best
Unions of agricultural sales cooperatives, producer unions and cooperative networks selling seeds, fertiliser, feed and crop protection to their members run into the same issues. Tahsildar has a ready answer for each.
Dealer Payments
Dealer Financing
Physical POS
Online Payments
ERP / CRM IntegrationA scattered union, cooperative and member chain
Input sales move through a chain from the union to cooperatives and from cooperatives to members. The cooperative collects from members and pays the union separately, so how much is owed at each cooperative is invisible to the union.
Solution
- Cooperatives take payments from members and pay the union from the same screen
- Payments can go to the cooperative’s IBAN, or come straight to the union and post to the cooperative’s account as a credit
- Set a separate payment set-up and credit limit for each cooperative
- Across the union and cooperative chain, everyone sees their own reports and the union sees the whole network
- Cooperatives log in on the union’s domain and see its brand
Cooperatives take payments from members and pay the union from the same screen- The cooperative collects cash and notes from members
- Payment to the union arrives by transfer at the end of the period
- The cooperative’s open receivables are invisible to the union
- Members pay by card from the cooperative’s screen
- The payment goes to the union and posts to the cooperative’s account as a credit
- Cooperative and member payments in the same report
The whole chain is visible. You see which cooperative collected from which member.
Input costs wait until the harvest
Seeds, fertiliser and crop protection go out to members at the start of the season, and members pay from harvest income. The union and cooperatives carry the receivable for months, and a bad season pushes payment into the next year.
Solution
- The member or cooperative chooses Dealer Financing at checkout; once the loan is disbursed, the amount goes straight to the union
- 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
- The union never becomes the member’s or cooperative’s debtor or guarantor; the bank makes the credit decision
- Cost sharing: your share is netted off the proceeds, with no separate invoice
- The member signs a note due after harvest
- The union carries the input cost for eight months
- If the harvest is poor, the note is rolled over
- The member chooses to pay with financing at checkout · Fibabanka
- Once the loan is disbursed, the amount goes to the union
- The term sits between the member and the bank; the union is not a guarantor
The harvest doesn’t shift your payments. The amount is in your account on the day the loan is disbursed.
Getting paid in villages and at the cooperative counter
Members often live in villages far from town, and payment is taken in cash or promissory notes at the cooperative counter. Field teams write payments into a ledger, and the union’s head office sees them only days later.
Solution
- Place a Physical POS at the cooperative counter or with your field team
- Single-payment sales land on your card the next day at 0% fee
- Payment links reach remote members by SMS or QR code; no website or app needed
- See which POS is at which cooperative and how much came in from each point on one screen
- Automatic reminders go to members before the due date
Agricultural cards are a Turkey-specific card type for farmers. 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; we integrate with banks’ agricultural POS.
ServiceGet a free quote for agricultural POS from payment institutions; we compare at least 3 quotes for you.- Members pay in cash or with notes
- Payments are written into a ledger
- Head office sees them days later
- Members pay by card on the counter POS
- Remote members receive a payment link by SMS
- Payments from every cooperative on one screen
Village payments are on record. Head office sees payments the same day.
Tracking member shares and recurring payments
Membership shares, service fees and input instalments are tracked separately for each member. Reminders are made by phone, and who has paid becomes clear only from lists at the end of the period.
Solution
- Set a monthly or custom payment schedule once; each payment starts automatically when it falls due
- Set up the schedule for a single member or, with bulk recurring payments, for all members
- Retry rules for failed transactions
- Set the amount, description and validity for each payment
- Members pay by card in a single payment or up to 12 instalments
- Members are reminded one by one
- Paid members are marked on a list
- Gaps are noticed at the end of the period
- A recurring schedule is set up once
- Each payment starts automatically when due
- Failed transactions are retried
Recurring payments run themselves. Every member’s status on one screen.
Cooperative and member accounts in separate systems
Member payments are collected at cooperatives, at different banks and in cash. The union’s accounting team works out which payment belongs to which cooperative and member and keys it into the ERP by hand.
Solution
- Payments are made from the cooperative’s or member’s own screen, so the payer is known; they post to the right account in your ERP
- Payments, POS transactions, refunds and voids post to the right customer account
- Customer master data, balances and open items 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
- Cooperative lists arrive by email
- Bank statements are downloaded one by one
- Payments are keyed into the ERP by hand
- Every payment posts to the right 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. End-of-period reconciliation gets shorter.
Frequently asked questions
Can’t find the answer you need? Review your union and cooperative payment set-up with our team.
+90 850 532 75 05Structures that sell inputs to members or member cooperatives and take regular payments: unions of agricultural sales cooperatives, producer unions and cooperative networks selling inputs to their members. As the union, you track payments across every cooperative on one screen.
Yes. With Dealer Payments, cooperatives take member payments on their own screen. Payments can go to the cooperative’s IBAN, or come to the union and post to the cooperative’s account as a credit; you decide the set-up.
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 the union and the member repays the bank on term. 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.
Yes. In Online Payments you set a monthly or custom payment schedule once, and each payment starts automatically when it falls due. You can set it up for a single member or all members.
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.
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 your union’s payments together
Fill in the form and we’ll review your cooperative and member payments with you in a free demo.