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.
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.
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.
Multi-Channel Order Reconciliation
Orders from stores, website, mobile app, and marketplaces all need to reconcile against payments, shipments, and returns across every channel.
Complex Cash Application
Customer payments arrive via wire, ACH, card settlement, marketplace payouts, and lockbox, each with different remittance formats and matching complexity.
Where the Return Comes From
Three levers: AP cost, margin recovered from deductions, and cash application accuracy across every channel.
From $12 to $3.60 per invoice, applied across your entire supplier base at scale
Systematic investigation and dispute of invalid deductions protects the margin you earned
AI cash application across wire, ACH, marketplace payouts, and card settlement
Representative outcomes. We’ll build a specific business case against your invoice volumes, deduction history, and payment channel mix before you commit.
From Supplier Invoice to Cash Applied
Three stages, fully automated. Here’s what each one looks like in your retail environment.
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, and store
- Exception-only workflow for your AP team
Investigate and Recover Trade Deductions
Every deduction gets categorized, investigated, and routed for recovery automatically. Promotional deductions matched against agreements, shortage claims validated against receiving, chargebacks compared to rate agreements. Valid deductions clear, invalid ones get disputed with full context.
- Automatic deduction categorization by type
- Promotional deduction matching against agreements
- Chargeback validation against rate cards
- Dispute workflow with full supporting evidence
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, card, lockbox, and marketplace
- Remittance parsing for customer-specific formats
- Exception routing with full match context
- Learning from your corrections over time
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.
Products Built for Retail Operations
Four products that cover the full retail finance cycle, from supplier invoice to multi-channel cash applied.
AP Invoice Automation
High-volume supplier invoice capture and processing. AI extracts, codes to GL, matches to POs, and routes by cost center.
Learn moreDeductions Management
Categorize, investigate, and dispute trade and non-trade deductions. Protect your margin systematically.
Learn moreCash Application
AI-powered cash matching across wire, ACH, lockbox, card settlement, and marketplace payout channels.
Learn moreEcommerce
B2B and B2C digital commerce integrated natively with your Oracle ERP for unified order-to-cash.
Learn moreWhy Retail Teams Choose OAN
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.