Early Pay Discount at checkout (Acumatica)

Early Pay Discount lets you reward customers who pay ahead of the due date. If an invoice uses an Acumatica credit term that includes a cash discount, Paystand shows that discount to the payer at checkout and lowers the amount they owe. When they pay, the invoice closes in Acumatica with the discount recorded as cash discount taken.

You do not calculate or apply anything by hand. The discount comes from the credit term already on the invoice.

Example: Invoice AR015140 is for $1,000.00 on term 2%10NET30. A customer opens checkout on day six and sees a line reading Early Pay Discount (2% until 09/20/2025) −$20.00. They pay $970.00 after bank network savings. In Acumatica the invoice closes with Balance $0.00 and $20.00 in Cash Discount Taken.

How it works

1. You set the cash discount on a credit term in Acumatica, the same term you already assign to invoices.
2. Paystand keeps a copy of those terms through a push notification you set up once in Acumatica.
3. When a payer opens checkout for an invoice on a discounted term, and the discount date has not passed, Paystand shows the discount and reduces the amount payable.
4. After payment, Paystand posts the payment to Acumatica with the discount applied, and the invoice closes.

Requirements

• Checkout V5. Early Pay Discount only appears on Checkout V5. It is not available on earlier checkout versions.
• Early Pay Discount enabled on your Paystand account. Contact Paystand Support or your Customer Success Manager to have it turned on.
• An Acumatica credit term with a cash discount percentage, set up as described below.
• The payment terms push notification, so Paystand receives your terms. This is not part of the standard Paystand customization package and is set up separately.
• The checkout option turned on for each Payment Experience that should show the discount.

Step 1 — Set the cash discount on your credit term

In Acumatica, open Credit Terms (CS206500) and select the term you want to use, or create a new one.

Fill in the cash discount fields:

A term only produces a discount at checkout when all of the following are true:

• The term has a discount percentage greater than zero, and a number of discount days.
• The term is visible and in use, not retired.

Paystand reads the discount percentage only. A credit term set up as a flat dollar amount rather than a percentage does not produce a discount at checkout in Acumatica.

Assign the term to invoices the way you do today. Paystand matches each invoice to its term by name.

Step 2 — Connect your payment terms to Paystand

Paystand needs to know when a credit term is created or changed. Acumatica sends that update through a push notification, the same mechanism your invoice and customer syncs already use.

This connection is not included in the standard Paystand customization package. Contact Paystand Support to have it set up, or follow the steps below if you manage your own Acumatica configuration.

Create a Generic Inquiry for payment terms

1. Go to Configuration → Customization → Generic Inquiries (SM208000) and click + to add a new inquiry.
2. Set Inquiry Title to PaystandPaymentTerms, Screen Title to Paystand Payment Terms, and Primary Screen to CS101000.
3. On the Tables tab, add the object PX.Objects.CS.Terms with the alias Terms.
4. On the Results Grid tab, add the columns below, all with Object set to Terms.
5. Save, and note the screen ID Acumatica assigns.

Point a push notification at Paystand

1. Go to More Items → Integration → Push Notifications.
2. Create a destination for the PaystandPaymentTerms inquiry.
3. Set the fields below, then activate the destination.

Push notifications fire on changes made in the Acumatica interface. When you are testing, edit and save the credit term in Acumatica directly rather than through its API.

Step 3 — Turn on the discount for your Payment Experience

The discount is off by default, and you control it for each Payment Experience separately. You can run one checkout experience that shows discounts and another that does not.

1. In the Paystand Dashboard, go to Integrations → Payment Experience.
2. Click Edit on the Payment Experience you want to update.
3. Scroll to Enable Payment Methods.
4. Check Show Early Pay Discount at checkout.
5. Click Save.

If you do not see this option, your account is either not on Checkout V5 or does not have Early Pay Discount enabled yet. Contact Paystand Support.

What your customer sees

When an invoice qualifies, checkout shows the discount as its own green line in the Payment Summary, with the rate and the deadline. The savings banner at the top combines it with any bank network savings.

The payer does not opt in or enter a code. The reduced total is simply what they are asked to pay.

When a payer settles several invoices in one payment, checkout shows the combined discount. The information icon next to the line opens a per-invoice breakdown.

When a discount is not offered

If an invoice does not qualify, checkout simply shows the full amount. Your customer never sees an error or a message about a missed discount.

A discount is not offered when:

• The discount date has already passed.
• The invoice has a partial payment on it. The discount applies only when the payer covers the whole remaining balance in a single payment.
• The invoice's term has no discount percentage or no discount days, or the term has been retired in Acumatica.
• The discount would equal or exceed the invoice balance. Paystand treats that as a setup error and leaves the invoice at full price rather than zeroing it out.
• The invoice's term was created or changed in Acumatica before the push notification was set up, and has not been saved since.
• Show Early Pay Discount at checkout is not checked on the Payment Experience being used.

What happens in Acumatica after payment

Paystand posts the payment with the discount applied. The result is the same as a discounted payment entered in Acumatica by hand:

• The invoice moves to Closed, with Balance at 0.00.
• Amount Paid reflects the cash the payer actually sent.
• The difference appears in Cash Discount Taken on the invoice.

Your credit term and your cash discount account continue to control how the discount posts to the general ledger.

Frequently asked questions

Do I need a new credit term for this?

No. Use the terms you already have. If a term already carries a cash discount percentage, adding the push notification and checking the box is all it takes.

Can I offer a flat dollar discount instead of a percentage?

Not in Acumatica. Paystand reads the discount percentage from the credit term, so set the discount as a percentage.

I changed a term in Acumatica. How long until checkout reflects it?

The update is sent as soon as you save the term. If a change does not appear, check that it was saved in the Acumatica interface rather than through the API, and that the push notification destination is still active.

I retired a term in Acumatica. Will customers still see its discount?

No. Once Acumatica sends the update, Paystand stops offering that discount.

Can I show discounts to some customers but not others?

Yes, by Payment Experience. Keep Show Early Pay Discount at checkout checked on one Payment Experience and unchecked on another, then assign each customer the experience you want.

A customer paid part of an invoice earlier in the month. Can they still get the discount on the rest?

No. The discount applies only when the full remaining balance is paid in one payment, because Acumatica does not take a cash discount on an invoice that already has payments applied.

The discount is not showing up and I have checked everything on this page. What now?

Contact Paystand Support with the invoice number and the term name. Support can confirm whether Paystand received that term and whether the invoice qualifies.