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Payments built forpharmaceutical wholesalers

Bring payments from thousands of pharmacies onto one platform. Hand long terms to the bank, and see your field reps’ payments the same day.

Request a free demoHow it works

From Global Pharma to Audio, leading brands run their B2B payments on Tahsildar.

Global Pharma
Hekimpan
Genpa
Caudalie
Çetur
Adel
Audio
In a pharmaceutical wholesaler’s picking area, a worker scans a medicine box
Pharmacy payments by card, in instalments or by payment link
Problems and solutions

The payment problems pharmaceutical wholesalers know best

Pharmaceutical wholesalers, dermocosmetics and medical product distributors and companies selling to pharmacies run into the same issues. Tahsildar has a ready answer for each.

01 · TermsLong terms for pharmacies, a cash squeeze for wholesalersWhen pharmacies are paid late, so is the wholesaler; terms stretch over months.SolutionDealer Financing02 · FieldField reps collecting pharmacy by pharmacyReps collect cheques, notes and cash; payments are confirmed only when handed in at night.SolutionPhysical POSOnline Payments03 · Bulk paymentsReminding thousands of pharmacies one by oneBalances falling due are chased by phone; the open balance list lives in Excel.SolutionOnline Payments04 · OrdersDermocosmetics and medical product ordersNon-drug products come with promotions and box units; orders get mixed up by phone.SolutionDealer Order Management05 · ReconciliationThousands of pharmacy accounts posted by handCard, transfer, cheque and note payments arrive through different channels; reconciliation is a daily burden.SolutionERP / CRM Integration06 · Pharmacy riskComing soonA struggling pharmacy is noticed lateA pharmacy whose orders fall or payments slip is often noticed only when it pays late.SolutionCommercial ScoringDBS Reporting
Problem 1 · Terms

Long terms for pharmacies, a cash squeeze for wholesalers

Pharmacies are often paid late themselves, so their payments to wholesalers stretch over long terms. The wholesaler pays its own suppliers on short terms while waiting months for pharmacies, and the risk of notes and cheques stays with the wholesaler.

Solution

  • The pharmacy chooses Dealer Financing at checkout; once the loan is disbursed, the amount goes straight to your company
  • Up to TRY 2 million in commercial credit with Fibabanka; up to TRY 2 million for sole proprietorships with İşbank İşPay
  • Terms of up to 18 months, company-specific pricing and cost sharing with Fibabanka
  • Your company never becomes the pharmacy’s debtor or guarantor; the bank makes the credit decision
  • From the payment screen, without visiting a branch
Dealer Financing
Monthly pharmacy order
Kadıköy Pharmacy · TRY 420,000
Illustrative example
The usual way
  1. The pharmacy signs a 120-day promissory note
  2. The wholesaler pays its suppliers on short terms
  3. Whether the note is paid depends on the pharmacy’s own payments
With Tahsildar
  1. The pharmacy chooses to pay with financing at checkout · Fibabanka
  2. Once the loan is disbursed, the amount lands in your account
  3. The term sits between the pharmacy and the bank; you are not a guarantor

Terms don’t tie up your cash. The amount is in your account on the day the loan is disbursed.

Problem 2 · Field

Field reps collecting pharmacy by pharmacy

Field reps go from pharmacy to pharmacy collecting cheques, promissory notes and cash. Payments reach accounting only when handed in at night, and which pharmacy paid what becomes clear the next day.

Solution

  • Assign a Physical POS to your field rep, who takes card payments at the pharmacy
  • Single-payment sales land on your company card the next day at 0% fee, weekends and public holidays included
  • See which POS is with which rep and how much came in from each pharmacy on one screen
  • Payment links reach pharmacies that can’t be visited by SMS or QR code
  • Automatic reminders go to pharmacies before the due date
ServiceGet a free POS pricing quote from at least 3 payment institutions.
Physical POSOnline Payments
Field rep route
1 rep · 22 pharmacies
Illustrative example
The usual way
  1. The rep collects cheques and notes
  2. Payments are handed in at night
  3. Who paid only becomes clear the next day
With Tahsildar
  1. The pharmacy pays by card on the rep’s POS
  2. Single-payment sales on your card the next day at 0% fee
  3. All reps’ payments on one screen

Field payments show the same day. Fewer cheques and notes to pick up.

Problem 3 · Bulk payments

Reminding thousands of pharmacies one by one

A wholesaler works with thousands of pharmacies. Balances falling due are chased by phone, payment promises are written into a ledger, and the open balance list is updated in Excel every day.

Solution

  • Send bulk payment links to all your pharmacies in one click; links go out automatically by SMS and email
  • Track who opened and who paid on one screen
  • Automatic reminders go out before the due date; late payments show in the panel and your finance team is notified
  • Pharmacies pay by card in a single payment or up to 12 instalments
  • Set the amount, description and validity for each link
Online Payments
Month-end balances
Pharmacies · 1,860 accounts
Illustrative example
The usual way
  1. The finance team calls pharmacies one by one
  2. Payment promises are written into a ledger
  3. The open balance list is updated in Excel
With Tahsildar
  1. Bulk payment links go to 1,860 pharmacies
  2. Automatic reminders go out before the due date
  3. Paid and due on one screen
Paid
1,512
Due
281
Overdue
67

Reminders go out on their own. Every pharmacy’s status on one screen.

Problem 4 · Orders

Dermocosmetics and medical product orders

Promotions, box and case units change often for dermocosmetics, supplements and medical products. Pharmacies order by phone or message, and promotion terms are applied by hand.

Solution

  • Pharmacies order from your private B2B storefront using group-specific price lists
  • Category and brand discounts, volume target discounts, gift vouchers and coupons
  • Units of measure (box, case) and stock by warehouse
  • The basket closes with payment: card in instalments, bank transfer (EFT and havale), Dealer Financing or on account
  • Your field reps enter orders during pharmacy visits; orders and payments sync to your ERP
ServiceOur team uploads your products, price lists and settings during onboarding.
Dealer Order Management
Pharmacy order
Dermocosmetics · 9 lines
Illustrative example
The usual way
  1. The pharmacy orders by message
  2. Promotion terms are applied by hand
  3. Payment is chased separately
With Tahsildar
  1. The pharmacy builds the basket with its own price list
  2. Promotions and coupons apply in the basket
  3. Pays by card, bank transfer or on account

Promotions apply to orders automatically. Orders and payments sync to your ERP.

Problem 5 · Reconciliation

Thousands of pharmacy accounts posted by hand

Card, transfer, cheque and promissory note payments from pharmacies are spread across different banks. Posting each to the right account and separating refunds is a daily burden for accounting.

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
ERP / CRM Integration
End-of-day payments
740 payments · 5 banks
Illustrative example
The usual way
  1. Each bank statement is downloaded separately
  2. The customer is found from the description and the payment posted by hand
  3. Refunds are kept on a separate list
With Tahsildar
  1. Every payment posts to the pharmacy’s account in the ERP
  2. Refunds and voids post to the right account too
  3. A failed sync shows up with its reason

Less double entry, an ERP that stays current. End-of-day reconciliation gets shorter.

Problem 6 · Pharmacy riskComing soon

A struggling pharmacy is noticed late

Spotting the pharmacy that’s starting to struggle among thousands is hard. Falling orders and slipping payments start months earlier, but are often noticed only when a payment is late.

Solution

  • Commercial Scoring: your whole pharmacy network monitored weekly, with deterioration visible 60–90 days before a late payment
  • Improving and deteriorating pharmacies listed separately; a notification when a grade changes
  • Track by region, sales rep and group
  • DBS Reporting: DBS credit limits, invoices and maturities across all banks in one panel
  • No paperwork from pharmacies, no extra integration

Both products are in development. Commercial Scoring is for companies that run dealer payments on Tahsildar; DBS Reporting is reporting only.

Commercial ScoringDBS Reporting
Pharmacy scores
This week · by region
Illustrative example
The usual way
  1. A pharmacy’s orders fall without anyone noticing
  2. Payments start to slip
  3. Terms change only after a late payment
With Tahsildar
  1. A pharmacy with weakening purchase continuity is flagged
  2. A notification when the grade changes
  3. Terms are reviewed before any late payment

Term decisions backed by data. See risk before a payment is late.

Pharmaceutical wholesale

Frequently asked questions

Can’t find the answer you need? Review your pharmacy network’s payment set-up with our team.

+90 850 532 75 05

Pharmaceutical wholesalers and dermocosmetics, supplement and medical product distributors selling to pharmacies. You track payments from thousands of pharmacies on one screen.

By credit card in a single payment or in instalments, or with Dealer Financing. With Dealer Financing, the amount goes straight to your company once the loan is disbursed, and the pharmacy repays the bank on term. Your company never becomes the pharmacy’s debtor or guarantor; the bank makes the credit decision.

Yes. Assign a Physical POS to your field rep; single-payment sales land on your company card the next day at 0% fee. You see which POS is with which rep and how much came in from each pharmacy on one screen.

Yes. In Online Payments you send bulk payment links to all your pharmacies in one click, and links go out automatically by SMS and email. You set up automatic reminders before the due date.

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.

Onboarding and migration

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.

Request a demo

Let’s plan your wholesale payments together

Fill in the form and we’ll review your pharmacy, field rep and term structure with you in a free demo.

Demo request

Pharmaceutical wholesale

Monthly volume