Signup Today!

Credit Resources

Credit Resources

Welcome to D&H's credit resource center. Here is where you'll find important information on the credit services offered by D&H. Credit options at D&H include open account terms, joint purchase orders, electronic funds transfer, credit card, COD, prepay, wire transfer and more.

Credit Options

Net Terms

When you're account is established with a credit limit and payment terms based on your application, the net amount of each transaction is due in 30 days of the order.

Electronic Funds Transfer

With D&H Electronic Funds Transfer your bill is paid automatically, right on the due date. When your bill is due, your bank will deduct your invoice payment from your checking account and transfer it electronically to D&H. You'll get an invoice with each shipment showing the amount due and date it will be deducted.

To be eligible for Electronic Funds Transfer terms, you must be approved for COD company check or net terms and you must submit a completed EFT Agreement form.

PayNet

For our open term and COD company check customers, D&H offers PayNet, a robust Web-based application that allows you to conveniently and electronically in a lump sum or by specific invoices pay D&H in cooperation with Bank of America.

NOWaccount® Get Paid NOW™

D&H partners have a faster way to access their working capital. D&H offers NOWaccount to allow you to get paid immediately on open invoices for the same or less than the cost of accepting a credit card for payment. You choose what clients to register for payment through your NOWaccount.

Learn More

Electronic Invoicing

Simplify your bills with D&H e-Invoice. With e-Invoice you receive electronic versions of your paper invoice right on your PC. Secure where you can view and even pay online with our PayNet service. Plus your invoices are easy to reference and provide email notification so you'll never forget. Take advantage of this time saving feature by contacting your D&H Credit Representative.

Other Payment Terms

Company Check: Payment on delivery with company checks.

Prepay/Credit Card: Using a credit card is a quick, easy way to prepay for your D&H orders. Credit cards (Visa, Mastercard, Discover and American Express®) are accepted at the time of your order.

Wire Transfers: Wire Transfers can expedite drop shipments and rush orders. Wire Transfers can be arranged with your bank's Customer Service department. Please call for Account & Routing Information.

Flooring, Leasing, and Inventory Finance

Through one of our finance partners, you can easily finance your store inventory or offer your end users creative and efficient leasing products that can help you grow your business. D&H has partnered with the following financial institutions:

You'll need to provide your sales rep with the flooring company, your account number and purchase order at the time of your order.

D&H supports our customers' financial needs by maintaining partnerships with all the leading banks. For more information on flooring, and inventory finance, please contact our specialist, Tanya Yeh at tyeh@dandh.com.

Joint Purchase Order

D&H Distributing Co. is willing to consider a Joint Purchase Order from you and your customer. Generally, this is used when a reseller wins a large bid that his/her own credit line cannot accommodate. A Joint Purchase Order is typically used with, but not exclusive to, federal, state, and local government agencies, including schools. If we are unfamiliar with your end-user, we must first be able to approve them for the amount of credit required. D&H has used the Joint PO very successfully for several years and we consider it an excellent sales/credit tool.

Before and order can be shipped, we will require a hard copy of the following documents:

  • Joint Purchase Order: The purchase order contractor or "To" name/address must have both D&H and your name with our remit to address. We may have to verify the purchase order directly through the end-user before shipping.
  • Dealer/End-User Agreement: This must be signed by the end-user, stating that they agree to the terms and manner of payment to D&H.
  • Power of Attorney: Since checks from the end-user will be made out to both you and D&H, we require power of attorney to cash them and send you the profit.

As soon as payment in full is received by D&H we will forward your profit to you. It is imperative, especially if we are drop shipping the product directly to the end-user, that you invoice them immediately to ensure prompt payment.

Assignment of Funds

D&H Distributing Co. offers an Assignment of Funds program. Generally, this is used when a reseller wins a large bid that his/her own credit line cannot accommodate. If we are unfamiliar with your end-user, we must first be able to approve them for the amount of credit required. Before an order can be shipped, we will require a hard copy of the following documents:

  • Purchase Order: The purchase order is required to verify the order directly through the end-user before shipping.
  • Joint Remit Agreement: This must be signed by the end-user, stating that they agree to the terms and manner of payment to D&H.
  • Power of Attorney: Since checks from the end-user will be made out to both you and D&H, we require power of attorney to cash them and send you the profit.

As soon as payment in full is received by D&H we will forward your profit to you. It is imperative, especially if we are drop shipping the product directly to the end-user, that you invoice them immediately to ensure prompt payment.

Update Customer Information

Use this form to update your customer information, or to request a change in credit line or credit terms.

Download the PDF

Beware of Fraud

Individual consumers aren't the only victims of fraud. Businesses, from large corporations to small “Mom and Pop” stores, are targets for a variety of illegal schemes. No matter whether the con artist uses the mail, the telephone, or the Internet, the best defense against scams is to follow these basic rules.

Top Tricks In Tech Fraud
  1. Unsolicited urgent, late-day orders, marked by overnight delivery requirements and little haggling over price. You know the old adage; "If it seems too good to be true, it probably is".
  2. Drop shipments or delivery to high fraud areas of the country. High fraud areas include New York City, Los Angeles area, and Southern Florida.
  3. Large quantity drop shipments to residential addresses.
  4. Large orders of high-risk products such as RAM, HDD, flash memory, printer cartridges, laptops, any small and easily unloaded items.
  5. Use of multiple, sequentially-numbered credit cards.
  6. Use of credit cards drawn on foreign banks.

If you have an order that you feel is suspect, or meets any of these criteria, place a call to the issuing bank of the card to verify the identity of the customer. One quick call can save you thousands. There are no "guaranteed" credit card transactions.

Know Your Customer

Identity theft of long standing, seemingly credit worthy businesses is the most common type of fraud. If you're unsure of your customer use these quick, easy steps to verify the business:

  1. Check their address and telephone through independent sources such as online telephone directories.
  2. Verify the validity of the ship to address.
  3. If the purchase order has been emailed to you, verify the validity of the email address that has been used. This is often the quickest, easiest, and most accurate means of preventing fraudulent orders. Many fraud orders are sent using newly created fraudulent email urls — example jdoe@d-and-h.com rather than jdoe@dandh.com. A quick WHOIS search of the fraudulent email url will reveal that it has been newly created and not registered to the company that they are claiming to be.
  4. Verify they are licensed to do business in the state they are located. Virtually every state in the country offers a searchable, online database of business records. Many include searches by principal as well.
  5. Always obtain a credit application that includes an authorization to check the personal credit of the business principal, especially when dealing with sole-proprietors. Personal credit information may be one of the best ways to identify the character of the customer.
  6. If your budget allows, and the size of the potential relationship justifies, employ an online investigative service that specializes in both business and principal information. Used commonly for years in the private investigator business, these services provide a wealth of information in one, convenient stop.
  7. If, even after following the above steps, you are still unsure of the validity of your order, always feel free to locate the business' website and call the main contact number provided to verify the order.

To keep your business safe from fraud, you must develop and maintain fail-safe business policies, particularly when accepting new customer orders, and adhere to those strict guidelines even in the face of that 'killer order'. By being aware that fraud is possible and by following these simple rules, you'll not only protect your business, you protect yourself.

Feel free to email us at credit@dandh.com if you would ever like additional assistance in reviewing an order that you feel may be suspicious.

General Questions

Our team of experts and advisors are here to help you. If you have questions, complete the form below to contact D&H Credit Services.

New Account Questions?

If you have questions about becoming a D&H customer, contact our new account credit representative for assistance.

Email

Indicates a required field.

D&H Supports