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Accounts Receivable Management
Avoid payment defaults in online pharmaceutical retail: How KLEVERBILL secures your liquidity and reduces costs
The pharmaceutical industry is undergoing significant change. More and more pharmacies, medical supply stores, and pharmaceutical specialty retailers are operating their own online shops to sell products directly to end consumers or medical institutions. However, with digital sales, an old challenge is also growing: purchasing on account — and the associated payment delays or defaults.

Valentin Bayh
5
min read
Contributors

Valentin Bayh
Managing Director | SFG Receivables Management
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The pharma world is going digital – but payments often remain analog
The pharmaceutical industry is undergoing significant change. More and more pharmacies, medical supply stores, and pharmaceutical distributors are operating their own online shops to sell products directly to end customers or medical institutions. Yet with digital sales, an old problem is also growing: purchase on account – and the associated payment delays or defaults.
Many online orders are shipped before payment is received. The invoice is enclosed with the delivery or sent by email. If payment does not arrive, often – nothing. Manual follow-up is time-consuming, error-prone, and ties up valuable resources. That is exactly where KLEVERBILL comes in.
As a digital solution for automated accounts receivable management, KLEVERBILL helps reliably monitor incoming payments, send reminders automatically, and improve liquidity – especially in online shops with high order volumes and invoice-based shipping.
The issue: purchase on account – convenient for customers, risky for providers
Especially in pharmaceutical distribution, the purchase on invoice remains very popular – among end customers, medical practices, care facilities, and clinics. Shipping is often fast, but payment is not always made on time. Typical challenges include:
Invoices are overlooked or paid late
There is insufficient capacity for consistent follow-up
Incoming payments must be checked manually
Reminders are sent too late or not at all
Liquidity bottlenecks arise despite a solid order situation
This particularly affects smaller or growing online shops, which can end up in a critical liquidity bottleneck, even when revenue is actually strong.
The solution: automate the payment flow with KLEVERBILL
KLEVERBILL is a solution designed specifically for digital invoice dispatch and is ideally suited to pharma online shops. It automates the entire process from invoice generation through dispatch to reminders, thereby significantly reducing costs, effort, and payment defaults.
10 strong reasons to use KLEVERBILL in pharma e-commerce
Create and send the invoice immediately after shipping
With just a few clicks, you send the invoice – by email or traditionally by post, fully automated from the system.
Automatic monitoring of incoming payments
KLEVERBILL detects whether and when a payment has been made – and responds automatically if the payment deadline is exceeded.
Send payment reminders and dunning notices automatically
No time for dunning? KLEVERBILL handles it for you – friendly, legally compliant, and in your corporate design.
Connect your bank account
By integrating your account, the system recognizes on a daily basis which invoices have already been paid.
Faster cash flow through automated processes
Thanks to structured follow-up and dunning management, you noticeably improve your liquidity and payment collection rate.
Fewer inquiries – better customer communication
Every reminder contains clear details on invoice number, amount, due date, and contact information – transparent and customer-friendly.
Fewer payment defaults among private and business customers
KLEVERBILL ensures that no one “forgets” to pay – and, if needed, automatically initiates further steps, e.g. transfer to collections.
Scalable for small and large online shops
Whether you send 50 or 5,000 invoices per month – KLEVERBILL adapts flexibly to your size.
Professional external presence through standardized dunning management
A consistent, structured presence strengthens customer trust and improves your market image.
Up to 99% cost savings compared with a manual process
Less staffing effort, faster processes, higher payment rates – especially in a dynamic market, a real competitive advantage.
Increasing cost pressure in the pharmaceutical industry: digitalization is mandatory
The pharma and healthcare market is becoming more complex. Rising shipping costs, high return rates, increasing raw material prices, and margin pressure mean that every payment default matters. Added to this is the growing competitive pressure from large platforms and mail-order pharmacies.
Companies that do not focus on digital efficiency will fall behind. With KLEVERBILL, you not only save costs, but also gain a reliable process for securing payments – from order completion to receipt of payment.
Conclusion: With KLEVERBILL, you keep the overview – and secure your revenue
Pharma online shops need lean processes, reliable payment flows, and a clear overview of open receivables. With KLEVERBILL, you get exactly that – without extensive IT projects or lengthy onboarding.
You benefit from:
Automated invoicing and dunning
Reduced error rates
Fewer payment defaults
Better liquidity
Professional external presentation
Test it now – and sustainably improve payment processes

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