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A Leading Electronics Retailer Increased Volume by $611M and Fully Automated Their Underwriting Process

Case Study Overview

TreviPay powers a B2B closed-loop credit solution for a Fortune 500 electronics retailer, supporting more than 6,000 active credit customers across 900+ U.S. stores and 140+ Canadian locations. For this retailer, TreviPay facilitates frictionless purchasing on terms for electronics, appliances and related services across multiple channels—including in-store, direct sales and online—while automating credit approvals and invoicing at scale. 

With a 15+ year partnership, TreviPay has expanded its solution to meet the evolving needs of six key verticals, including:

Healthcare

Promotions & Alternative Financing

Education

Multi-Dwelling /Builders

Hospitality

Enterprise Accounts

Why This Retailer Stands Out

Fortune 500 company for consecutive years
40% of total revenue comes from private-label brands
30% of total sales comes from online transactions
94% of customers are on Net 30 payments with an average order value of $475

The Challenge

This Fortune 500 retailer identified a massive B2B revenue opportunity but lacked the technological infrastructure to meet the modern demands of commercial customers and accounts payable (A/P) departments.

Key challenges included:


  • Lack of purchase controls and SKU-level invoice detail to meet A/P department expectations

  • Limited scalability for the B2B program at a national and international level 

  • Inability to unify multiple sales channels under one streamlined B2B solution 

The TreviPay Solution

TreviPay implemented a B2B payment and credit solution tailored to support the retailer’s rapid commercial program growth, providing:

  • Net 30 payment terms and exclusive lines of credit
  • Seamless omnichannel purchasing across in-store, direct and online sales
  • Automated fraud checks and real-time API-driven application decisioning
  • Custom dashboards for enhanced business intelligence

 

Program Impact

  • More than 600 customers receive credit lines of $250,000+
  • 62% of SMB customers receive credit lines of $15,000 or less
  • White-label online application simplifies onboarding
  • Automated underwriting eliminates manual reviews
  • Customized purchase controls mitigate risk and streamline operations

How It Works: TreviPay’s B2B Credit Solution

TreviPay’s fully integrated payment process includes:

  • Branded Online Application – Seamless credit approvals in seconds
  • Omnichannel Supported Transactions – Consistent experience across all sales channels
  • Authorization & Settlement – Instant approvals with automated fraud screening
  • Billing & Invoicing – SKU-level detail on invoices
  • Buyer Payment – Streamlined electronic invoicing and flexible payment options

Results: 15 Years of Growth & Innovation

Today, the end-to-end underwriting process is fully automated, enabling customers to be onboarded within seconds of application receipt. By integrating the solution with multiple business systems, from the retailer’s in-store POS to internal ordering systems for sellers, TreviPay was able to streamline business processes, decrease manual work and improve the customer experience. 

$611 Million in Additional Volume

Since partnering with TreviPay, the retailer has added over $611 million in program volume—expanding its B2B reach, increasing transaction efficiency and reducing risk exposure. 

End-to-End Automation for Instant Customer Onboarding 

TreviPay’s real-time underwriting and API-driven decisioning have eliminated manual onboarding delays, allowing new business customers to be approved and ready to purchase within seconds.

Optimized for Vertical-Specific Needs

TreviPay has continuously refined its credit and payment processes to accommodate the unique purchasing behaviors of the retailer’s diverse B2B clientele, allowing them to scale into new markets with confidence.

The TreviPay Payment Solution

Step 1

White-Label Online Application

Step 2

Omnichannel
Supported Transactions

Step 3

Authorization

Step 4

Settlement

Step 5

Billing & Invoicing

Step 6

Buyer Payment

Customer Benefits: Enhanced Digital Tools & Purchase Flexibility

TreviPay’s customer portal provides real-time access to:

  • General account information
  • Purchase history
  • Account aging data
  • Specific invoices
  • User management tools (add, remove or modify users)
  • Card activation & deactivation
  • Electronic invoicing & payment capabilities

Evolution of the TreviPay Partnership

This section will highlight how TreviPay has continuously adapted to meet the retailer’s evolving needs, including:

  • Key milestones and strategic initiatives
  • New business opportunities and vertical expansions
  • Additional features and enhancements for B2B customers
  • Examples of success stories and program adoption trends

 

 

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– Johnathan Longlastname, Title

About TreviPay

At TreviPay, we believe loyalty begins at the payment™. Thousands of sellers use our global B2B payments network to provide choice and convenience to buyers, expand into new markets and automate accounts receivables. With 40 years of expertise, integrations into leading eCommerce and ERP platforms, and flexible trade credit solutions, TreviPay serves industry leaders across manufacturing, retail and transportation.
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