
Recurring payment schedules and tokenization cuts manual work, accelerates collections, and boosts cashflow
Royal Furniture is a multi-location furniture retailer with 27 convenient locations across Alabama, Tennessee, and Mississippi. The company offers in-house installment financing in addition to external financing options.
Jarred Alsbrook oversees IT systems, user setup, and data flows. Vickie Smith manages a five-person collections team and uses PDCflow daily.
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The Challenge
Royal Furniture’s in-house installment program grew faster than its current payment software functionality could handle.
The owner initiated a search when it became clear that the team needed true recurring payments, faster repeat charges, and the ability to accept bank information by phone.
Royal Furniture’s payment setup worked well for their ecommerce business, but only supported one-time payments, and did not store payment tokens for quick reuse. These gaps slowed payment collection and created extra manual work for their collections department.
Jarred AlsbrookIT Director
The Solution
Royal Furniture runs PDCflow in the collections department. A team of collectors key payments by phone in the virtual terminal and set up automated recurring payments that work for each customer (on payday, every two weeks, monthly, etc.).
PDCflow’s recurring payment module provides flexibility for when payments are processed. Customers can even set up self-serve repayment schedules through a secure email or SMS Flow payment request.
PDCflow helps them hit their goals by:
- Enabling automated recurring payment schedules, freeing staff time with fewer reminder calls for payment collection
- Providing token recall for faster repeat charges
- Sending immediate return/exception alerts so they can recover quickly
- Delivering reliable daily exports into their custom account management system
Vickie SmithCollections Manager
The Results
Royal Furniture’s collections team uses PDCflow to key payments by phone and set up automated recurring payments, which has led to:
- Faster collections
- Fewer manual follow-ups
- Time savings on repeat charges
- Rapid payment exception/failure recovery
- Reliable data handoff into their account management system
Vickie SmithCollections Manager
Royal Furniture’s move to PDCflow was low-friction on both the people and systems. Onboarding the five-collector team required minimal training, with collectors describing the transition as smooth and easy. From an IT perspective, setting up users and assigning permissions was straightforward.
Operationally, PDCflow’s nightly exports arrive in a consistent format, import without errors, and are verified against the midnight email. This reliable handoff keeps their collections workflow tight and reduces administrative overhead.
Jarred AlsbrookIT Director
Summary
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