A nationally recognized bakery and coffeehouse chain partners with major retailers to distribute products across thousands of locations. When one of its largest wholesale partners — Sam’s Club — transitioned to scan‑based trading (SBT), Fintech supported the conversion and ensured alignment between Sam’s Club and existing Wal‑Mart operations.
Soon after launch, unexplained payment variances surfaced across both retailers. What initially appeared minor quickly revealed a growing financial issue that required immediate investigation.
Following Sam’s Club’s transition to SBT in March 2025, the bakery began seeing short payments that could not be explained by product performance, reporting delays, or transaction errors. No operational issues were apparent, and both retailers were functioning under established agreements.
Because SBT transactions are reconciled at scale and with little margin for error, these discrepancies posed a risk to revenue accuracy and partner trust. Without fast resolution, the issue could continue compounding over time.
The bakery relied on Fintech to perform a detailed review of payment data, retailer agreements, and transaction logic across both retailers.
Fintech’s teams identified the root cause:
A 1% early‑pay discount included in Wal‑Mart’s agreement was being unintentionally applied twice after Sam’s Club’s SBT conversion — once correctly, and once as if Sam’s Club were a separate entity rather than part of the same book of business.
Fintech acted as a neutral third party, validating the issue through system audits and data trails and providing the bakery with clear, defensible findings.
Fintech’s resolution was built on four core capabilities:
Historic Partner Knowledge
Fintech’s long‑standing experience with both the bakery and Wal‑Mart allowed the team to quickly identify where Sam’s Club processes diverged after the conversion. This context reduced discovery time and focused analysis on the most likely failure points.
SBT Expertise and Best Practices
Dedicated SBT specialists applied proven frameworks used across multiple retailers and supplier models. Their experience helped isolate the discount logic error and confirm it through controlled testing.
Comprehensive Forensic Review
Finance, engineering, and SBT operations teams collaborated on a neutral review of contracts, remittance data, and payment flows. Fintech traced how Sam’s Club remittance files were being routed and clarified how payments should be allocated moving forward.
Process Realignment and Communication
Fintech worked alongside the bakery, Wal‑Mart, and Sam’s Club to correct discount logic, update documentation, and implement safeguards to prevent future errors during large‑scale SBT transitions.
With Fintech’s findings, the bakery was able to invoice Wal‑Mart for over $320,000 in recovered payments tied to the incorrect discount application.
Beyond recovery, the resolution delivered lasting value:
As the world’s premier third-party SBT provider — managing 67% of all third-party programs nationwide, 63,000+ retail doors, and 3,500 supplier partners — Fintech brings unmatched expertise in turning data into accountability and efficiency.
Through transparent reporting, validated data flows, and collaborative remediation, Fintech helps both suppliers and retailers achieve measurable profitability and stronger partnerships.