Deduction recovery for CPG brands

Retailers take money out of your invoices. We get it back.

See every deduction, what it's for and where it stands. PackPay pulls them out of your remittances, finds the documents that settle them, and builds the dispute your team sends.

See what you're owed

Early investor:Regions Bank

What a week of deductions looks like

Example, not a customer's data
CustomerTypeAmountRecommendation
UNFIShortage or not received$4,912.18 Dispute this deductionSigned proof of delivery shows all 480 cases received.
KeHEPricing or cost difference$1,842.60 Dispute this deductionInvoice matches the price file in effect on the order date.
PublixPromotion and MCB$2,114.84 Dispute this deductionBilled at 15%. The promotion agreement says 10%.
KrogerShortage or not received$1,875.00 Request more informationNo proof of delivery found in Drive or Gmail. Link one and the analysis continues.
WalmartCompliance fine$2,149.75 Accept this deductionDelivered three days outside the window. The fine is valid.

The problem

Deductions arrive faster than anyone can check them.

Most weeks nobody gets through the pile. That much is annoying but survivable.

The small ones get written off.

The big ones get filed late and denied.

Nobody sees every short pay in one place.

What isn't survivable:

$100,000

A keying error creates a deduction that was never real, and it goes out the door because nobody was looking.

What would you do with the money you're currently writing off?

You paid for the ingredients, the co-packing and the marketing. Then part of what you earned doesn't arrive, and chasing it costs more than it's worth. So you let it go. Next month it happens again.

If you don't know that number, it's the first thing we'd find out together.

The ones you should pay

Most retailer deductions are valid. They still have to be right.

Recovery gets the attention, but it's the smaller half of the job. The bigger half is getting the deductions you should pay coded and closed correctly. A valid deduction in the wrong GL code is its own expensive problem.

What everyone sees

Every deduction, and where it stands

Open deductions by customer, by type, by month. Plus the number nobody has today: how long each one has been sitting.

Open deductions · September
CustomerOpenValueOldest
UNFI34$41,20712d
KeHE28$22,9409d
Publix19$18,33231d
Kroger11$9,415107d

Coded the same way twice

The same deduction type from the same customer lands in the same GL code every time.

Trade stays clean

Deductions miscoded into the trade bucket make next year's promotion plan wrong. Getting the expense right protects the plan built on top of it.

Nothing gets written off by accident

A deduction you chose to accept looks different from one that slipped through.

How it works

How PackPay works a deduction: find it, prove it, hand it over.

PackPay reads every remittance, pulls the backup, and works each deduction to a decision. Thirty minutes of research becomes about thirty seconds of review.

One · Find

Every short pay in one queue

Every deduction shows up as soon as the payment does, including the small ones that get written off without a look. Each one is sorted by type and marked with what it needs from you, so nothing sits until someone gets around to it.

Issues · Needs your decision
TypeCustomerAmountStatus
Shortage or not receivedUNFI$4,912.18Needs review
Pricing or cost differenceKeHE$1,842.60Needs review
Promotion and MCBPublix$2,114.84Needs review
Shortage or not receivedKroger$1,875.00Needs input
Two · Prove

The backup, already pulled

Nobody wants to download fifteen PDFs to work one remittance, then do it again tomorrow. PackPay searches your file storage and email for the invoice, BOL, POD or deal sheet that settles it.

UNFI · Shortage or not received · $4,912.18
DocumentSourceVerified
Deduction backup from the customerGmail✓
InvoiceQuickBooks✓
Purchase orderGmail✓
Proof of deliveryGoogle Drive✓
RejectApprove
Three · Hand off

Ready to send, and followed up

PackPay drafts the dispute email for that customer, with each deduction listed and the reason it should be reversed. Someone on your team approves it and sends it from your own inbox. PackPay reads the reply and follows up if the customer goes quiet.

UNFI · Deduction 842317
  • Analysis completed, ready for reviewMar 4
  • You approved the disputeMar 5
  • Dispute email draftedMar 5
  • Sent to UNFI from your GmailMar 5
  • Awaiting responseFollow-up Mar 12

Deadlines, codes, and backup

Why deduction disputes don't get recovered.

Every retailer sets its own rules, and they change by deduction type. Here is what stops the money coming back.

The window closes

Every customer sets its own deadline. A deduction found late is money gone, regardless of who was right.

The codes are theirs, not yours

A retailer's reason codes are the same for every brand they buy from. Learn them once and you've learned them for good. Nobody hands you the list.

The backup has to match

A shortage needs the POD. A promotion needs the deal sheet with the dates and the rate. Miss one document and it comes back rejected.

Each one wants it differently

Same deduction, same backup, five different portals and five different formats. One of them wants an email.

Then you do it again for every other deduction on the remittance. That's the part that doesn't scale with headcount.

Who PackPay is for

CPG brands selling into retail, and whoever owns the deductions.

Founders and finance leads

See it before it's gone

You want to know what's being taken and whether anyone is checking. And you'd rather add capacity than another headcount.

AR and accounting

Stop downloading PDFs

You already know which deductions are wrong. What you don't have is the hours to prove it, fifteen times, before the window closes.

Brokers

Recovery across the portfolio

You feel this multiplied across every brand you manage, in email and spreadsheets, with no way to see it in one place.

Where the backup lives

Your deduction backup is scattered across all of these.

The remittance is in a portal. The invoice is in your accounting system. The POD is in a shared drive and the deal sheet is in somebody's inbox. PackPay starts at the short-paid payment and goes and gets the rest.

QuickBooks
NetSuite
SAP
Sage
Excel
Outlook
Gmail
Teams
SharePoint
Google Drive
and the rest
of your stack

PackPay reads from these systems to find the backup, and only writes what your team approves: a dispute email sent from your inbox, or a journal entry for a write-off. It does not move money and does not connect to your bank. Tell us your stack on the call and we'll tell you exactly where you stand.

Who we are

Three people in Birmingham.

We're early. There's a working product, a handful of design partners, and a lot still being decided. Talk to us and you're talking to one of these three.

Jeremy Carter, founder of PackPay

Jeremy Carter

Founder

Ran an experience business for nearly ten years, then built the warehouse inventory system he couldn't buy and ran it in production himself. He learned there how much damage a report that's almost right can do.

Trey Sweeney, software at PackPay

Trey Sweeney

Software

Auburn engineering, then an AI company, where he built systems that read a company's technical documents and hand back the answer with the citation attached. That's most of what winning a deduction dispute is.

Laine White, growth at PackPay

Laine White

Growth

Spent three years learning 150 businesses she knew nothing about on day one, from community banks to jail cell doors. The work was always the same: understand how the business actually makes money before touching anything else.

Questions CPG brands ask before they hand over their remittances.

What systems does PackPay work with?

PackPay works with the systems a brand's deduction backup already lives in: the accounting system, email and file storage. It reads from them to find the backup, and it only writes when someone on your team approves it: a dispute email sent from your own inbox, or a journal entry for a write-off. PackPay does not move money and does not connect to a brand's bank. Stacks differ a lot between brands, so the fastest answer is a call. Tell PackPay's team what you run and they'll tell you exactly where you stand.

Which retailers and distributors does PackPay cover?

PackPay works deductions from any retailer or distributor whose remittances reach a brand's accounting system or inbox, including UNFI, KeHE, Walmart, Kroger, Target and Publix.

Does PackPay file disputes for you?

No. PackPay drafts the dispute with the reason written out, and a person on the brand's team approves it and sends it from their own inbox. A dispute is easier to win the first time than the second, because retailers reject on missing documents and wrong reason codes, and the person who knows the account also knows what the paperwork doesn't, like a rate a salesperson agreed to that never made it into the contract. That review takes seconds and protects the claim. PackPay then reads the reply and follows up if the customer goes quiet.

How long does it take to get PackPay running?

Connecting your accounting system and the place your documents live takes minutes. Getting to full coverage takes longer, because customers, GL codes and deduction types all have to be mapped. PackPay gives a brand a real timeline on the first call rather than a number off a website.

Is PackPay useful for a brand that already has someone handling deductions?

Yes. The constraint is usually hours, not skill. PackPay does the research, so the person who knows your accounts spends their time deciding and disputing instead of downloading PDFs. That's capacity without adding headcount.

What does PackPay cost?

Design partners pay nothing while PackPay is being built, and get discounted pricing when it launches. PackPay is taking a limited number of design partners right now. Standard pricing for everyone else is being set alongside those first partners.

What is a retailer deduction?

A retailer deduction is money a retailer or distributor subtracts from an invoice before paying it, citing a shortage, a compliance failure, damaged product, a pricing difference or a promotional allowance. Some are correct. The ones that aren't are recoverable if a brand can prove it inside the filing window. PackPay works both kinds and tells a brand which is which.

What would you do with the money you're currently writing off?

Book thirty minutes. We'll look at one remittance together and tell you how much you can still collect, whether or not you work with us.

See what you're owed

Not ready to put time on the calendar? Leave your email and we'll keep you posted as we build.

We're taking a small number of design partners right now. They pay nothing while we build, and get discounted pricing when we launch.

See what you're owed