Retail & Ecommerce

Finance Operations Built for Retail & Ecommerce

Thousands of supplier invoices daily, trade deductions quietly eroding margin, and cash coming in from five different channels. OAN handles the full AP-to-cash cycle at retail scale, built on the Oracle stack you already run.

70%
Cost Reduction
95%
Auto-Match Rate
6-8 wks
To Production
Recovered
Margin Lost
Retail Revenue
Multi-Channel · This Month
Real-time
Stores
$4.8M
Ecommerce
$3.2M
Marketplace
$2.4M
B2B Portal
$1.0M
Suppliers
1,240
Auto-match
95%
Deductions
$0.8M
$11.4M · 4 channels Margin protected
Sound Familiar?

Retail Finance Has Unique Complexity

High volumes, thin margins, and payments arriving from every direction. Generic tools weren’t built for this. You need automation that understands retail.

High Supplier Invoice Volume

Thousands of vendor invoices every day from merchandise suppliers, logistics, packaging, store services, and marketing. Volume grows faster than AP can hire.

1000s invoices daily

Trade Deductions Eroding Margins

Promotional deductions, markdowns, chargebacks, and shortage claims quietly eat your margin. Most go uninvestigated because the recovery is slower than the loss.

2-5% of revenue lost

Multi-Channel Order Reconciliation

Orders from stores, website, mobile app, and marketplaces all need to reconcile against payments, shipments, and returns across every channel.

4+ payment channels

Complex Cash Application

Customer payments arrive via wire, ACH, card settlement, marketplace payouts, and lockbox, each with different remittance formats and matching complexity.

5+ remittance formats
The Return

Where the Return Comes From

Three levers: AP cost, margin recovered from deductions, and cash application accuracy across every channel.

70%
Processing cost reduction

From $12 to $3.60 per invoice, applied across your entire supplier base at scale

Recovered
Margin lost to deductions

Systematic investigation and dispute of invalid deductions protects the margin you earned

95%
Multi-channel auto-match rate

AI cash application across wire, ACH, marketplace payouts, and card settlement

How It Works

From Supplier Invoice to Cash Applied

Three retail-specific stages handled end-to-end. Here is what each one looks like in your environment.

STEP 01

Capture High-Volume Supplier Invoices Automatically

Thousands of invoices arrive daily from merchandise suppliers, logistics, and service vendors. OAN captures them from every channel, extracts header and line data, matches to POs, and codes to GL by cost center, category, and store. Your AP team handles exceptions only.

High-volume multi-channel capture at retail scale
AI data extraction across supplier formats
Auto-coding by cost center, category, store
Exception-only routing to AP team
High-Volume Invoice Capture
LIVE
INV-GMC-4821 · EDI
AI extracting…
Vendor
Global Merchandise Co.
Invoice #
INV-GMC-4821
Amount
$284,320.00
Category
Softlines · Apparel
Store
Multi · 42 locations
Split across 42 stores · 96%
STEP 02

Investigate and Recover Trade Deductions

Promotional deductions, markdowns, chargebacks, and shortage claims quietly eat margin. OAN categorizes every deduction, attaches supporting documentation, and routes invalid ones for systematic recovery — turning a recurring loss back into a manageable workflow.

Automatic categorization of trade and non-trade deductions
Documentation pulled from EDI 812, claim notes, and supplier portals
Investigation queues with margin-impact prioritization
Recovery success tracking by category and supplier
Deduction Investigation
LIVE
Open Deductions
2 valid 2 disputing
Promotional
Summer Sale Co
$12,400
Shortage Claim
Merchandise X
$4,820
Chargeback
Store Services
$1,240
Markdown
Fashion Co
$8,900
$13.7K margin recovered
this week
STEP 03

Multi-Channel Cash Application

Customer payments flood in from wire, ACH, lockbox, card settlement, and marketplace payouts, each with different remittance structures. OAN matches them all automatically using AI that learns your customer payment patterns. Unmatched payments route with context, not as a blank queue.

AI matching across wire, ACH, lockbox, card, marketplace
Remittance parsing for each channel format
Learning from your historical match patterns
Unmatched payments route with context, not blank queue
Multi-Channel Cash App
LIVE
Today’s Remittances
5 channels
Wire · BoA
Match: 100%
$48,200
ACH · Chase
Match: 100%
$22,400
Marketplace
Match: 98%
$18,920
Card Settle
Match: 100%
$12,100
Lockbox
Match: 94%
$8,340
$109,960 · 95% auto-matched
5 channels
Enterprise Ready

Ready for Enterprise From Day One

OAN runs on Oracle APEX, Oracle Database, WebCenter Content, and OCI, the stack your Oracle team already manages. No new cloud tenant, no new identity store, no new perimeter to defend.

Built on Oracle APEX + Database
Runs on Oracle stack your DBAs already manage
Inherits your security posture
Oracle Identity, TDE, SOC 2 Type II. No new perimeter.
Scales with Oracle Database
Handles retail volumes with Oracle RAC horizontal scale
Deploys in 6-8 weeks
Pre-built retail workflows, no new cloud tenant
Your Oracle Stack
LIVE
OAN runs on what you already own
Oracle APEX
Application runtime
Oracle Database
System of record
Oracle WebCenter
Content management
Oracle OCI
Cloud infrastructure
Zero new perimeterZero new licenses
Why OAN

Why Retail Teams Choose OAN

Handles retail-scale invoice volumes without adding headcount
Trade and non-trade deduction management built for retail
Multi-channel cash application across every payment source
Oracle EBS and Fusion integration for multi-entity retail operations
B2B and B2C ecommerce integrated with ERP natively
Go-live in 6-8 weeks with retail-ready configuration
Runs on the Oracle stack you already own, no new licenses, no new perimeter
Trusted by Retail Finance Teams

Ready to Automate Retail Finance?

Talk to a retail finance specialist. We'll map your supplier mix, deduction history, and payment channels, then show you exactly where OAN fits.