HomeSolutionsInvoice to Cash
Solution · Invoice-to-Cash

From Deduction Complexity
to Agentic Precision

Retail brands lose 2–5% of revenue to deductions, chargebacks, and marketplace fees. Valence automates the entire invoice-to-cash workflow — ingesting, coding, validating, and filing disputes across 20+ retailer portals — with AI agents that work 24/7 so your AR team doesn't have to.

SOC 2 Type II7-day time to first value
app.valenceintel.com / deductions
Deductions Management — Q2 2026
20+ retailers · 2,847 processed this month
Live
Disputes Filed MTD
$2.14M
▲ 38%
Auto-Filed
1,247
▲ today
Win Rate
87%
▲ +20%
Disputes FiledBenchmark
Auto-disputed
+$284,720
Avg cycle time
<1 day
The Transformation

What changes when you deploy Valence

From a 90-day manual slog across 5 departments to autonomous agentic automation — in days, not quarters.

Cycle Time
90–120 day avg cycle
<1 day reconciliation
30-day average payback from go-live
Active Work per Dispute
22–44 hrs total
0–5 minutes
Agents handle extraction, coding & filing autonomously
Dispute Win Rate
40–60% baseline
+20% increase
Retailer-specific intelligence + deterministic coding
Cost per Dispute
$75–150 internal
<$1 internal cost
2× team throughput on same or smaller headcount
Platform Capabilities

Built for every dimension of retail deductions complexity

Centralize every deduction, chargeback, and trade claim across every major retailer. Valence ingests remittance and backup docs, codes the deduction, validates against your contracts, and files disputes automatically.

Auto-matching cash application

95%+ auto-match rates on remittance to open invoice, with AI disambiguation on partial and short pays.

Deduction coding & validation

Every deduction categorized, matched against contracts, and routed automatically — 99.99% coded within 72 hrs.

Root cause analytics

Trace every deduction to its operational source — labeling, ASN, compliance, EDI — and fix it upstream.

Trade deduction governance

Reconcile promotions and trade spend against deductions — the category that quietly sinks gross-to-net.

+20% dispute win rate

10 years of retailer nuance encoded per portal. More invalids identified. No missed submission windows.

20+ retailer portals automated

Walmart, Target, Kroger, Amazon, Costco — every portal auto-submitted. No logins, no timeouts, no rework.

Real-time reporting

CXO, Finance Manager, and Agent views. Root cause and next best action — live, not monthly Excel decks.

Prevention at the source

Pattern detection surfaces upstream issues in ordering, logistics, and trade that generate deductions at source.

Dispute Automation · Walmart #DC-4821
Auto-generated claim in 2 min 14 sec
1
Ingest remittance + backup docs
EDI 820 + Walmart Retail Link pulled
Complete
2
Code deduction reason
Classified: Compliance · ASN Late
Complete
3
Validate against contract
Invalid — grace period applies
Complete
4
Assemble claim package
POs, BOL, ASN, carrier record attached
Running
5
Submit via Retail Link
Queued — submission window open
Queued
Cycle Time
<1 day
vs. 90–120 day manual avg
Human Time / Dispute
0–5 min
vs. 22–44 hrs across 5 depts
Win Rate Lift
+20%
retailer nuance + no missed windows
Cost per Dispute
<$1
vs. $75–150 fully loaded
Live Platform

Every view your team needs, built in

CXO-level deduction dashboards, finance manager dispute queues, and agent-level automation logs — all in one platform, updated in real time.

Deductions Management — Finance Manager View
app.valenceintel.com / deductions
Deductions Management — Q2 2026
Across 6 retailers and 2 marketplaces
Live
Disputes Filed YTD
$4.28M
▲ 38%
Dispute Win Rate
87%
▲ 12%
DSO
34 days
▼ 11
Disputes FiledBenchmark
Root Cause Analytics — Prevention View
app.valenceintel.com / root-cause
Root Cause Analysis — Q2 2026
Upstream prevention opportunities identified
Live
Preventable
64%
▲ upstream fix
Top Retailer
Walmart
▼ OSD 38%
Avg Dispute Value
$1,840
▲ per claim
Deduction breakdown by root cause
OS&D Shorts
38%
Pricing Errors
24%
Trade/Promo
19%
Compliance
12%
Freight
7%
% of total deduction volume
Before & After

Manual process vs. agentic workflow

A direct comparison of the standard manual deduction dispute process versus the Valence agentic workflow — illustrating the time, cost, and efficiency transformation.

90–120d
avg cycle time
22–44h
total active work
40–60%
dispute win rate
$75–150
cost per deduction
Dept.
Phase 1
Receipt · 0–2 wks
Phase 2
Research · 2–5 wks
Phase 3
Prepare · 5–7 wks
Phase 4
Submit · 7–8 wks
Phase 5
Wait · 8–16 wks ⚠
Phase 6
Resolve · 14–18 wks
Retailer
Pays invoice short
Trigger: ACH / EDI
Issues approve or deny
SLA: 30–60d from submission
AR /
Finance
Receive remittance advice
EDI (SPS/TrueComm) · Bank portal
0.5h active · 1–3d wait
Match payment; code deduction type
ERP (SAP/Oracle/NetSuite) · Excel
2–4h active · 1–7d wait
⚠ Manual match; codes vary by retailer
Pull backup docs from retailer portal
Retail Link / POL / Vendor Central
2–4h active · 7–14d wait
⚠ Unique portal per retailer; timeouts
Assess claim validity vs. trade terms
TPM system · SharePoint · email
1–2h active · 3–7d wait (cross-fn.)
⚠ No single source of truth; siloed data
Draft dispute letter + justification
MS Word · no standard templates
1–2h active · 0d wait
⚠ Written from scratch every time
Assemble package: invoice, BOL, POD, promo
Email · SharePoint · Adobe · scanner
3–6h active · 2–7d wait
⚠ Docs in 5+ systems; high rework rate
Submit via retailer portal (one-by-one)
Retail Link / POL / Vendor Central
1–3h active · 0d wait
⚠ No bulk upload; char limits; timeouts
Log dispute ref. # in tracker + ERP
Deduction tool / Excel / ERP
0.5h active
Monitor retailer portal manually (no alerts)
Portals · calendar reminders
0.5h/wk · 30–60d retailer SLA
⚠ No push notifications; missed windows
Send follow-up escalation emails / calls
Email · phone · Salesforce
2–4h active · 2–4 wks additional wait
⚠ No SLA enforcement mechanism
Apply credit memo to AR (if approved)
SAP / Oracle / NetSuite
1–2h active
Write-off decision + journal entry (if denied)
ERP · email approval chain
1–4h active · 2–7d wait
⚠ Delayed P&L recognition; no live view
Sales /
Trade Mktg
Verify trade promo terms against deduction
SAP TPM / Adesso / Blacksmith / Excel
1–2h active · 3–5d wait
⚠ Deals often in email; no single system
Escalate to retailer buyer contact
Email · Salesforce · phone
1–2h active · 2–4 wks wait
⚠ Risks buyer relationship; often avoided
Logistics /
Ops
Provide BOL, POD, carrier delivery receipt
TMS (Manhattan/JDA) · 3PL portal · email
1–2h active · 3–7d wait (email req.)
⚠ Stored in 3PL system; manual retrieval
Mgmt /
Finance
Approve dispute package (dollar threshold)
Email · DocuSign (if any)
0.5h active · 2–7d wait
⚠ Long email chains; no workflow tool
Report on write-offs, recoveries, win rates
Excel · Power BI / ERP export
2–4h active · monthly cadence only
⚠ Manual Excel; no live dashboard
Time distribution — per deduction (90–120 day cycle)
Active work~22–44h totalP1–P4 waits~25 daysPhase 5: retailer response wait30–60 days · ~50% of total cyclePost-decision~15 days
Key systems landscape — manually stitched together
SAP / Oracle / NetSuiteHighRadius / CforiaRetail Link (Walmart)Partners Online (Target)Vendor Central (Amazon)SAP TPM / AdessoManhattan / JDA (TMS)SharePoint / email / Excel
AR / FinanceSales / TradeLogistics / OpsManagementRetailerWait block⚠ Pain point
VS.
<1 day
reconciliation time
0–5 min
active work per dispute
+20%
dispute win rate lift
<$1
internal cost per dispute
Five Agentic Modules — running continuously, in parallel
1
Data Aggregation & Normalization
What it replacesManual remittance downloads, ERP exports, portal logins & spreadsheet assembly

Pulls and normalizes ERP/AR data, retailer portals, carrier portals, and unstructured PDFs — automatically, daily. Transforms retailer PDF backups into structured tabular data.
⚡ Continuous · 0 min human
2
Deductions Coding
What it replacesManual reason-code decoding, 100+ code mapping, ERP entry, and cross-functional triage emails

Deterministic rule-based logic categorizes every deduction — OS&D, pricing, promos, fines, freight, returns. Full audit trail. 99.99% coded within 72 hours.
⚡ 72 hrs · 0 min human
3
Validation & RCA
What it replacesMulti-department review, 3PL chases, BOL/POD retrieval, trade-term validation emails

Tests each claim against retailer-specific rules. Retailer nuance encoded over 10 years — Walmart OSD patterns, Amazon penalty logic, Kroger swell double-dip detection.
⚡ Same day · 0–5 min human review
4
Dispute Filing & Workflow
What it replacesManual portal submissions, dispute letter drafting, follow-up emails, credit memo entry

Automated bill-back packet writing and submission across all 20+ retailer portals. Tracks resolution status. Auto-issues credit memos on approval. No missed deadlines.
⚡ Auto-submit · <1 min human
5
Insights Engine
What it replacesMonthly Excel reporting, manual root cause summaries, stale PowerPoint decks

Real-time dashboards: CXO view, Finance Manager view, Agent view. Root cause analytics surface prevention opportunities upstream. Next best action recommendations.
⚡ Real-time · continuous
Process view — agentic flow (what happens and when)
Layer
Module 1Data · Day 0
Module 2Code · <72 hrs
Module 3Validate · Same day
Module 4File & Track · Day 1–3
Module 5Insights · Continuous
Retailer /
Carrier
Remittance & deduction data auto-ingested
⚡ Daily pull · 0 min
Retailer-specific rule validation triggered
⚡ 10 yrs encoded nuance
Auto-submission to retailer portal
⚡ 20+ portals · no manual login
Resolution status monitored continuously
⚡ No missed windows
Valence
Agents
PDF backup → structured tabular data
⚡ Core moat · auto every retailer
ERP, portal & carrier data normalized
⚡ Single record of truth
Deterministic coding — every deduction
⚡ 99.99% coded <72 hrs
BOL/POD/ASN auto-attached to record
⚡ No 3PL email chases
Invalid claims flagged with evidence packet
⚡ +20% more invalids found vs manual
Valid deductions auto-accepted
⚡ ERP entry automated
Bill-back packet written & submitted
⚡ No drafting; no portals
Credit memo auto-issued on approval
⚡ Same-day reconciliation
Root cause patterns surfaced in real-time
⚡ Prevention at the source
Next best action recommendations
⚡ CXO · Finance Mgr · Agent views
AR /
Finance
(Human)
Review normalized deduction queue
⚡ 0–5 min · exception-only
✓ Optional
Confirm any edge-case coding flags
⚡ <1 min · rule-based flagging
✓ Exception only
Review pre-assembled evidence packets
⚡ 0–5 min · no manual doc chase
✓ Approve / reject
Approve high-dollar disputes if required
⚡ 1-click workflow · full audit trail
✓ Threshold-based
Review live dashboards & prevention alerts
⚡ Real-time · no monthly Excel deck
✓ Strategic focus
Mgmt /
Finance
CXO-level real-time deduction dashboard
⚡ Live · no monthly delay
Time distribution — per deduction (Valence agentic cycle)
Auto ingestDay 0Auto code<72 hrsValidate + submitDay 1–3Retailer review (auto-monitored — no human attention needed)30–45 days · zero manual monitoring requiredAuto credit memoSame-day on approval
Connects 20+ retailer and carrier portals with your existing ERP stack
SAP / Oracle / NetSuite (reads + writes)Retail Link (Walmart) — automatedVendor Central (Amazon) — automatedPartners Online (Target) — automated20+ additional retailer & carrier portalsTMS / 3PL / Carrier portalsTPM systems (SAP/Adesso/Blacksmith)
Side-by-Side: The Full Transformation
MetricManual Process (Status Quo)Valence Intelligence (Agentic)Improvement
Cycle Time
From deduction receipt to resolution
90–120 days
50% of time is pure retailer wait with no monitoring leverage
<1 day reconciliation
30-day average payback from go-live; retailer wait auto-monitored
↑ 90–99% faster
Active Work Time
Human labor per dispute
22–44 hours
Across AR, Sales, Logistics, Finance — email-driven, siloed
0–5 minutes
Exception-only human review; agents handle extraction, coding & filing
↑ 99%+ reduction
Dispute Win Rate
% of valid disputes filed and accepted
40–60% baseline
20% written off immediately due to bandwidth; missed deadlines permanent
+20% increase
No missed windows; 10 years of retailer nuance; +20% more invalids identified
↑ +20–30 pts
Cost per Dispute
Fully-loaded internal cost
$75–150
Labor across 5 departments; often exceeds the value of small deductions
<$1 internal
2× team throughput on same headcount; no BPO or outsourcing required
↑ 99%+ reduction
Source of Truth
Where deduction data lives
8+ fragmented systems
Excel, ERP, 3 retailer portals, email, SharePoint, TPM, 3PL — no single view
Single normalized platform
All data aggregated, structured, and searchable in one place
8 → 1 system
Reporting
How leadership gets visibility
Monthly Excel deck
4–6 weeks stale; manual compilation; 4–8 hrs/month to build
Real-time dashboards
CXO, Finance Manager, and Agent views; root cause and next best action live
Monthly → Real-time
Team Required
Departments actively involved per dispute
5 departments
AR, Sales, Logistics, Finance, Operations — coordinated by email
1 reviewer (exception only)
AR team reviews flagged exceptions only; all cross-functional data auto-gathered
5 teams → 1 touch
Retailer Portal Coverage
Portals actively connected
3–5 portals, manual
Each requires separate login, context-switching, unique formats
20+ portals, automated
Valence maintains all integrations continuously; clients always current
Manual → Always-on
Why Valence

Built differently. Proven in production.

There are many deduction tools. There is one Valence. Here is why CPG finance teams choose us over every alternative.

10+ Years of Retailer Intelligence

We have encoded a decade of retailer-specific nuance — Walmart OSD patterns, Amazon penalty logic, Kroger swell double-dip detection — into deterministic rules that no manual process can match.

10 years encoded per retailer portal

No Rip-and-Replace

Valence reads from and writes to your existing ERP — SAP, Oracle, NetSuite — plus connects to all 20+ retailer portals. Implementation takes days, not months. No system overhaul required.

Live in 3–5 days. No new ERP.

Financial-Grade Certainty

We use deterministic rule-based logic to code every deduction — not probabilistic AI. Every decision has a full audit trail. 99.99% coded within 72 hours. Built for finance teams that need to close the books.

99.99% coded in <72 hrs with full audit trail

Dispute Resolution & Prevention

Most tools file disputes. Valence also prevents them. Our root cause engine surfaces upstream patterns in ordering, ASN, trade, and logistics — so you fix the source, not just the symptom.

64% of deductions are preventable upstream

7-Day Time to First Value

The average Valence deployment has disputes filing within the first week. 30-day average payback from go-live. We handle all the integration work — you review the results.

30-day average payback from go-live

250+ CPG Brands, Proven at Scale

From $50M brands to Fortune 500 CPG companies. $100B+ in invoices processed annually. $3B+ in disputes filed. Valence is the category leader for a reason — our network effect makes every deployment smarter.

$3B+ in disputes filed · $100B+ invoices processed
Get Started

See what's leaking from your revenue today

Request a free leakage analysis — we'll show you exactly how much revenue you're leaving on the table and what Valence would identify and dispute. No commitment. Results in 48 hours.

SOC 2 Type II · Go-live in 3–5 days