White-label factoring portal
PAY 10|4 gives your factoring company its own app and portal, under your name. Carriers apply, add brokers, submit invoices, get funded and see every dollar from one phone. Your team works the same records from the office.
Pat RiveraCarriers judge every factor by the apps from the biggest names, like OTR Solutions, RTS Financial and Outgo. PAY 10|4 puts an app of the same class in front of your carriers, with your name on it and your terms inside it.
For your carriers
No calls to ask where a payment is. No guessing what came out of a funding. The carrier opens the app and it is there.
BrokersInvoicesPaymentsThe carrier enters its DOT number and the application fills in from FMCSA. Documents upload from the phone and the agreement is signed on screen.
Fuel advances on a load and fuel card charges, each shown with how and when it comes off a funding.
Every carrier has an account manager. Questions go in the app and every email carries the manager's phone and email.
When a broker pays, the carrier sees the days it took, the fee and the remaining balance coming back.
End-of-day and end-of-month statements as a PDF or a portal link, on the schedule the factor chooses.
The Notice of Assignment goes to the broker with e-signature, and a copy always goes to the carrier.
Transparency
Carriers leave factors they cannot read. In PAY 10|4 the carrier sees the same numbers your staff see, in plain words.
Advance, fuel, chargebacks being recovered, reserve withheld, remaining balances paid and the bank fee, down to what was sent.
The reserve (escrow) takes the program's percentage from each invoice until the cap is reached, then stops. If a chargeback is taken from it, the carrier watches it build back up.
From the reserve, from the next invoice, or split over several. The carrier is told which, and sees each part come off.
The statement emailed at the end of the day is the same record the carrier opens in the portal later.
END-OF-DAY STATEMENTFor factoring companies
PAY 10|4 does not decide how your company does business. Each program carries its own rules, and you can change a rule on a single chargeback or fuel charge when the situation calls for it.
FMCSA authority, insurance and every uploaded document are read and checked before your underwriter opens the file.
Requests are timed against your business hours, escalate before they go late and approve for every carrier at once.
One combined PDF is split into its documents and compared: amounts, load numbers, signatures and the broker on the rate confirmation.
Select verified invoices and the funding computes itself from the program: advance, reserve, deductions and balances due.
Post a broker check or ACH across invoices, close short pays and charge back with the recovery plan you choose.
Notices of Assignment and release letters on your letterhead, signed online or returned on paper, copied to the carrier.
Underwriting, verification, funding and collections each see what they need. Every decision is in the audit log.
A carrier cannot switch where the money goes on its own. Changes need your approval and a call-back.
Broker credit and history
Every broker page shows your company's own record next to the credit bureau reports your staff keep on file.
Live bureau lookups connect through your company's own bureau account.
Integrations
PAY 10|4 is designed to exchange invoices, payments and status with the systems carriers and factoring companies already run.
SYS 10|4 is the fully automated carrier TMS from the same company, and the two are built to work as one. A delivered load in SYS 10|4 becomes an invoice packet for its PAY 10|4 factor, without a second upload, and carriers on SYS 10|4 can pick a PAY 10|4 factoring company from inside their TMS.
Carrier and broker authority, bond and insurance status, checked on application and on every broker lookup.
Insurance certificates, W-9s, IDs, invoices, rate confirmations, PODs, lumper receipts and bureau reports.
Every email goes out from your own company mailbox, with your wording.
Agreements, Notices of Assignment, release letters and statements, signed and filed in the portal.
Submit invoices, read status and receive events from any TMS or back-office system.
QuickBooks Online, Oracle NetSuite and Microsoft Dynamics 365 Business Central, for fundings, fees and payments.
TransCredit and Ansonia lookups through your company's own bureau account.
Connectors for Workday, Infor and Epicor through the PAY 10|4 API.
PAY 10|4 uses only American companies regulated by US law for its third-party services.
Emails, in your name
These are the real PAY 10|4 email templates, filled with sample data. Each factoring company edits the wording, turns emails on or off and sends from its own address. Switch the brand to see the white label.
White label
Security and control
What carriers expect
| What a carrier wants from its factor's app | PAY 10|4 |
|---|---|
| Apply from the phone, with the company filled in from FMCSA | Yes |
| Check a broker before taking the load | Yes |
| Submit an invoice packet as one PDF from the phone | Yes |
| See each funding itemized, down to the bank fee | Yes |
| See the reserve (escrow) and how far it is from the cap | Yes |
| Know how a chargeback will be recovered, part by part | Yes |
| Fuel advances and fuel card charges in the same place | Yes |
| Daily and monthly statements by email | Yes |
| A named account manager on every email | Yes |
| Invoices straight from the carrier's TMS | With SYS 10|4 |
See it with your brand
We set up a demo portal with your logo and a sample program, so your team can walk through a carrier's day and your own.
Download the company profile (PDF)Or email info@sys104.com
