Featured Blog: The Hidden Margin Leak Retailers Still Haven’t Solved

The Next Chapter in Scan-Based Trading Starts Here

Where Your Products, Pricing, and Payments Finally Align

Manage scan-based trading programs across every retailer without the operational burden.

Request a Demo

How it Works

Vendors and Retailers have a mutually validated, shared price book.

Deliver

Vendors deliver products directly to the stores and transmit delievery data to Fintech

Transmit

Retailers transmit daily
sales data to Fintech

Validate

Fintech validates the sales data against the mutually validated price to ensure accuracy

Pay

An automated, accurate payment
is made to the vendor

Optimize

Vendors optimize on-hand inventory for data-driven forecasting and restocking

Proven at Scale — Trusted by Retailers & Vendors Nationwide

Built by pioneers in scan-based trading with 20+ years of experience. Working with grocery, convenience, chain drug, and mass retailers.

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80,000+ Retail Doors
Supported Nationwide

150+ Retail Partners and
3,500 Vendor Partners

2.1M+ Daily Transactions and
150,000 Payments Made Annually

What is Fintech SBT? 

Scan-based trading (SBT) is a shared inventory model where DSD vendors retain ownership of products until they are scanned at the register, triggering an automated, accurate payment from the retailer to the supplier.  
 
Vendors gain direct visibility into sell-through performance across store locations and can identify patterns leading to lost sales. Together with their retail trading partners, both sides align around actual consumer demand and put the right products in the right stores at the right time.  

Unlike direct retailer pay-on-scan programs or fragmented solutions, Fintech SBT combines clean, validated data, daily inventory visibility, and accurate, automated payments with expert support to build trust and grow revenue through scalable supply chain partnerships.

Fintech SBT is the perfect trading program for DSD vendors to land shelf space with leading national retailers. 

Stop Operating Your Business from Your Inbox 

If you’re still managing your retailer partnerships from your email, you’re not in a position to scale for growth. The sales data you need is buried in an Excel file and it only gives you a snapshot in time.
  
Establishing one connection with Fintech SBT replaces retailer-by-retailer set-up, EDI compliance, manual reporting, and reconciliation. Everything is automated, freeing up your time to focus on growing your sales with data-driven decision-making.

Success Story

Scaling Retail Growth Through One Connection

From 1 Program to 50 Retailers – With 50 Retailer Systems 
 
Fantasy Farms grew their fresh cut flower retail footprint from one retailer to 50 retailers by using Fintech SBT. Now, it’s a core part of their business model as they provide fresh cut flowers, potted plants, and snacks at more than 8,000 locations, blossoming up to over 30,000 during peak holidays.
 
Now, instead of managing retail requirements with 50 different trading partners, they run their business through one Fintech SBT connection. Centralized sales visibility helps them monitor daily performance, manage replenishment, and support expansion at scale.  
Fantasy Farms Business Case Logo

Featured In

Read the full Retail TouchPoints article here.

"The not-so-secret benefit of SBT for wholesalers and suppliers is that it can provide a treasure trove of data — not just overall sales figures delivered after the holiday but near-real-time, store-level sales data that allows Fantasy Farms to adjust anything from bouquet mixes to color assortments, based on what’s actually selling. Given the short sales window, these high levels of visibility can help both maximize sales and minimize waste."

Adam Blair, Retail TouchPoints

Click here to read our Fantasy Farms case study.

Measurable Value for Vendors

Built to Move the Metrics That Matter

Drive Sales

  • Eliminate out-of-stocks and better manage shelf performance with high-quality, daily sales data across all retail partners in one place.
  • Improve assortment decisions, replenishment plans, and sell-through velocity with performance insights by SKU, retailer, or location. 
  • Earn shelf space faster with retailers who are willing to experiment when they're taking less risk.

Operate Confidently

  • More predictable cash flow with automated POS-driven payments and remittance with easier settlement. 
  • Reduce dispute friction with a mutually validated price book shared with your retail partners.
  • Back-office integrations mean data doesn't get trapped in a silo — it flows where you need it.

Reclaim Time

  • Stop downloading weekly reports and get access to daily sales insights so you can respond faster to changes in consumer demand. 
  • Replace spreadsheets and manual reconciliation, spending less time on administration with retailer-by-retailer programs and more time on strategic growth and retailer performance. 
  • Stop wasting drivers' time at the loading dock and save hours spent calculating and reconciling invoice credits.

Scale for Growth 

  • Establish the systems and processes that will enable your team to expand retail partnerships and service more locations. 
  • One connection with all of your retail partnerships, so your data is in a centralized location. 
  • With unlimited seats, all of your organization can access the same information. 

Success Story

Scaling New Products Through Fintech SBT

One Connection to Fintech Enabled Rapid Retail Expansion 
 
Topaz Distribution, a comic book distributor, needed a way to launch and scale new products without asking retailers to take an unnecessary risk on inventory that didn’t have a proven sales record. Traditional onboarding processes, EDI compliance requirements, and expansion models required more time and IT effort than the category could support. 

Growth with Fintech SBT in just 12 months:

18x

Retailer Growth

From 1 to 18
0 %

6.6x

Location Growth

From 790 to 5,190
0 %

Click here to read our Topaz Distribution case study.

Why Vendors Choose Fintech SBT

Mutually Validated Price Book

The price book sits at the center of the supplier and retailer relationship. It’s either the foundation of a smooth partnership, or the root cause of resources being wasted on needless disputes.
 
Stop managing your price book from your inbox and spreadsheets and start getting faster, more accurate payments without wasting time on manual reconciliation. 

Request a Demo

See how one Fintech SBT connection can replace the manual work across all your retail partnerships.

Complete the form or email us at sales@sbt.fintech.com.

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