Case Study: Carter Machinery achieves 84% touchless payments and controls card acceptance costs with Billtrust

Caterpillar dealer increases touchless payments by preserving customer payment options and managing their payment acceptance costs

Carter Machinery, a long-standing Caterpillar dealer, needed to control rising credit card acceptance costs while preserving customers’ preferred online payment options. To address inconsistent surcharge application and low recovery from surcharging, Carter partnered with Billtrust and its digital invoicing and payments services (including Billtrust’s eSolutions team) to drive portal adoption and standardize surcharge policies.

Billtrust helped Carter run customer engagement campaigns, enhance surcharge configuration and increase electronic invoicing and portal usage. Six months after the engagement ACH rose from 61% to 82% of TPV, credit card TPV fell from 38% to 16%, touchless payments increased from 65% to 84%, digital invoice rate reached 76%, and the convenience fee moved to 3% with better waiver consistency—improving compliance, preserving payment choice and reducing processing costs.

Carter Machinery

Trey Shartzer

Credit Manager