IndustriesB2B payments built forthe metals industry
Bring payments for high-value metal sales with fast-moving prices onto one platform, from steel to aluminium profiles. Get paid on orders without waiting on cheques, and spread raw material payments over time.
From Altınmarka to Erkunt, leading brands run their B2B payments on Tahsildar.
The payment problems metals companies know best
Steel, aluminium and copper producers, profile, sheet and pipe makers, metal service centres and distributors working with dealer networks run into the same issues. Tahsildar has a ready answer for each.
Dealer Financing
Online Payments
Payment Orchestration
POS Reporting
Dealer Payments
Supplier Payments
DBS Reporting
Commercial ScoringPost-dated cheques on high-value orders
Metal orders reach high amounts in a single go and are often paid with post-dated cheques. The receivable waits with you until maturity, and one bounced cheque means a serious loss in a thin-margin business.
Solution
- Your dealer chooses Dealer Financing at checkout; once the loan is disbursed, the amount goes straight to your company
- No waiting on cheque or promissory note maturities; your dealer repays the bank on term
- Your company never becomes the dealer’s debtor or guarantor; the bank makes the credit decision
- With Fibabanka and İşbank İşPay (DijiKolay Finansman), without visiting a branch
- Terms of up to 18 months, company-specific pricing and cost sharing with Fibabanka
Your dealer chooses Dealer Financing at checkout; once the loan is disbursed, the amount goes straight to your company- The dealer hands over a 120-day post-dated cheque
- You finance the order for four months
- Whether the cheque clears stays uncertain until maturity
- The dealer chooses to pay with financing at checkout · İşbank İşPay, incorporated company
- Once the loan is disbursed, the amount lands in your account
- The term sits between your dealer and the bank; you are not a guarantor
The risk on big orders doesn’t stay with you. The amount is in your account on the day the loan is disbursed.
Payments pending while prices move
Metal prices move quickly with commodity markets and exchange rates. Prices shift between the day you quote and the day payment arrives, and a late payment erodes the order’s margin.
Solution
- Send a payment link with the quote or proforma; the customer pays by card the same day
- You set how long the link stays valid; it closes when it expires
- You decide whether the amount is fixed or editable
- Track with timestamps whether each link was opened and paid
- Single payment or up to 12 instalments; bulk links to all your dealers in one click
- The proforma goes out by email
- The transfer arrives a few days later
- Prices move in the meantime
- A link valid for 24 hours goes out with the proforma
- The customer pays by card the same day
- The link closes when it expires
The price is locked at payment. Less time between quote and payment.
The extra cost of working with several banks
Dealers pay with cards from different banks and in different instalments. On high-value transactions even a small rate difference adds up, and whether the rate charged matches your agreement often goes unchecked.
Solution
- Payment Orchestration routes every payment to the most suitable POS according to your rules
- 23 banks and 23 payment institutions; separate POS, instalment and fee set-ups for each dealer
- Open or close instalments for your dealers; absorb the instalment interest or pass it on
- POS Reporting compares the agreed rate with the rate charged on every transaction and alerts you to deviations
- Payouts are verified against your bank account; POS terminals outside Tahsildar are covered too
- The payment goes through whichever bank POS is open
- The fee only shows up on the month-end statement
- A rate difference that goes unnoticed becomes a loss
- A rule routes the transaction to the best POS for this card and instalment
- The rate charged is checked against your agreement
- The payout is verified against your bank account
The cost of every transaction is visible. You get an alert when a rate deviates.
Mail order and card details by phone
For remote dealers and industrial customers, card details are still taken over the phone or on a mail order form. Card data circulating inside the company is a risk for both security and Turkey’s data protection law (KVKK).
Solution
- Send a payment link by SMS, email or QR code; your customer enters their own card details
- Payment is made on a secure page on your company’s own domain, with 3D Secure
- Dealers pay you 24/7 from their own screen with Dealer Payments
- Set a separate payment set-up and credit limit for each dealer
- Tahsildar runs on PCI-DSS compliant infrastructure and data is processed under KVKK
- The customer fills in a mail order form
- The form arrives by email and is keyed into the POS
- Card data stays in email
- A payment link goes out by SMS
- The customer pays on a secure page with 3D Secure
- The payment shows in the panel and posts to the right account
Card data never passes through your team. No more mail order forms.
Paying for raw materials now, selling on terms
Billets, coils, scrap and alloys are usually bought on immediate or short terms. Sales to dealers and industrial customers are on credit, and with high amounts the gap strains working capital.
Solution
- See supplier payables from your ERP on one screen and pay them in bulk with your corporate card in one click
- Your supplier is paid the next business day, with no need for factoring
- Keep your cash longer: up to 40 days on a single payment, up to 12 months in instalments; no interest, only a card fee
- You decide whether the card fee stays with the supplier or with your company
- Once paid, the payable closes in your ERP; our team handles supplier onboarding
- The raw material supplier is paid by bank transfer straight away
- Dealer payments arrive 120 days later
- The gap is covered from working capital
- One bulk corporate card payment to three suppliers
- Suppliers are paid the next business day
- You keep your cash for up to 40 days on a single payment
A shorter cash cycle. No interest, only a card fee.
Dealer limits and risk scattered
In metals, credit sales to dealers commonly run through several banks under Turkey’s Direct Debit System (DBS). On high-value shipments, how much limit each dealer has left at each bank sits on separate screens, and a struggling dealer is often noticed late.
Solution
- DBS Reporting: DBS credit limits, utilisation, invoices and maturities across all banks in one panel
- An alert before a dealer’s limit is used up; settled and outstanding invoices tracked separately
- Commercial Scoring: your whole dealer network monitored weekly, with deterioration visible 60–90 days before a late payment
- No paperwork from dealers, no extra integration
Both products are in development. DBS Reporting is reporting only; Commercial Scoring is for companies that run dealer payments on Tahsildar.
- Three banks’ DBS screens are checked one by one
- A used-up limit is noticed at shipment
- A struggling dealer shows up when a payment is late
- Limit and utilisation at all three banks on one screen
- An alert before the limit is used up
- A notification when the dealer’s grade changes
Shipment decisions backed by data. See the dealer’s limit and direction before you ship.
Frequently asked questions
Can’t find the answer you need? Review your dealer and industrial customers’ payment set-up with our team.
+90 850 532 75 05Metals companies selling to dealers, service centres or industrial customers: steel, aluminium and copper producers, profile, sheet and pipe makers, metal service centres and distributors. As the parent company, you track payments across your whole network on one screen.
Yes. With Dealer Financing, your dealer pays with credit of up to TRY 2 million with Fibabanka, and with İşbank İşPay up to TRY 2 million for sole proprietorships and up to TRY 10 million for incorporated companies within limits set at the branch. Once the loan is disbursed, the amount goes straight to your company; the bank makes the credit decision and may review larger amounts further.
Yes. In Online Payments you set the amount, description and validity of each link, and the link closes when it expires. Your customer pays by card through the link, in a single payment or in instalments.
Yes. Payment Orchestration is integrated with 23 banks and 23 payment institutions and routes every payment to the most suitable POS according to your rules. POS Reporting compares the agreed rate with the rate charged across all your POS terminals, whether or not they run through Tahsildar.
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.
Your DBS agreements and credit limits stay with your banks. While you take card and financing payments through Tahsildar, DBS Reporting will let you track DBS credit limits, invoices and maturities across all banks in one panel. DBS Reporting is in development and is reporting only.
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 metals payments together
Fill in the form and we’ll review your high-value order, dealer and raw material payments with you in a free demo.