# Net-30 without the headache: contractor charge accounts for paint stores > https://rundoo.ai/insights/contractor-charge-accounts-paint-stores/ [Insights](/insights/index.md) /Product Product # Net-30 without the headache: contractor charge accounts for paint stores Contractor charge accounts are the financial backbone of a paint store, and doing them right means house accounts, per-customer pricing, clean statements, real aging, and a way for painters to pay from their phone instead of the shoebox-and-spreadsheet workaround a general POS forces on you. [![Titus Capilnean](https://pub-5247264bd04e4ebeaecbbedb3bebb9f8.r2.dev/static/images/articles/titus-capilnean.jpeg)](https://www.linkedin.com/in/tituscapilnean/) [Titus Capilnean](https://www.linkedin.com/in/tituscapilnean/), Head of Marketing July 10, 2026 At Clements Paint in Austin, a painting crew can roll up to the counter at 6:45, load twelve gallons and a fistful of brushes, sign nothing but a name, and be back on the job before the coffee cools, because the store carries them on account and squares up at month-end. That handshake predates any point of sale on the market, and it is also the most important thing a [paint store](/clients/clements-paint/index.md) does with money, since the contractor who never reaches for a card is the one who keeps coming back. Most software, though, treats the charge account as an afterthought bolted onto a system built for people who pay on the spot, and that mismatch is where the headaches start. ## Why charge accounts are the backbone Walk into any paint store that sells to the trade and the counter tells you who pays the bills. The weekend homeowner buying a gallon of eggshell is welcome, but the contractor with six crews and a standing account is the reason the lights stay on, and that relationship runs on terms, not swipes. Net-30 is the industry's rhythm: the painter takes the material now, bills the job, gets paid, and squares up on a monthly statement, so when the cycle snags, the store floats the cash. Done properly, a charge account is not one feature but a stack of them. * **House accounts with real records.** Every contractor should be a named account with their crews, jobs, and purchase history together, so an unfamiliar foreman is confirmed as buying for a company you know in seconds, not with a phone call to the owner. * **Per-customer pricing that follows the account.** Your best painters do not pay shelf price, so the discount you negotiated should apply automatically at the register, not live in someone's memory or on a card taped under the counter. * **Credit limits and aging you can see.** A charge account without a credit limit is a loan without a ceiling, and a store that cannot see which accounts are 30, 60, or 90 days past due is extending credit blind. * **Statements that go out on time.** If producing them means stuffing envelopes for two days at month-end, they go out late, and late statements get paid late. Generic retail software handles some of these and forces workarounds for the rest, which is how paint stores end up running the business out of a spreadsheet, a folder of paper tickets, and the owner's head. Several stores now on Rundoo came to us doing exactly that, off [QuickBooks POS](/switch/quickbooks-pos/index.md) and off [Square](/switch/square/index.md), systems that treat a net-30 painter like an edge case. ## Statements, pricing, and aging done right On a system that treats accounts as first-class, the month-end statement run is a batch job, because activity is captured at the register, pricing is baked into each line, and aging is already calculated, so a month of statements goes out in minutes, not days. Per-customer pricing matters because it survives the person who remembers it: when a longtime counter hand retires, the discounts in their head walk out with them, so pricing tiers attached to the account keep margins honest no matter who is ringing the sale, which is what lets stores like [Colors Inc.](/clients/colors-inc/index.md) in Durango and [Drake's Paint](/clients/drakes-paint/index.md) in Medford treat trade pricing as data rather than folklore. Clean aging is the other half, telling you which accounts are drifting past terms while there is time for a friendly call, so the store that spots the three creeping toward 90 days rarely writes anything off. ## Getting paid faster Carrying contractors on account is generous, but generosity that turns into a month-end phone chase is just unpaid collections work. A balance that is easy to settle gets settled while a check or a store trip waits, which is the point of a [connected point of sale](/product/pos-web-app/index.md): the accounts at the register show up in the painter's pocket through the [Customer App](/product/customer-self-service-app/index.md), where a contractor can review open invoices and statements, pay one invoice or the whole balance from the jobsite, and turn on automatic payments so the responsible accounts settle themselves before anyone asks. This is also where tighter accounts turn into recovered cash: comparing the year before switching to Rundoo against the year after, stores saw [a 25% reduction in accounts receivable](/insights/roi-of-switching/index.md), the number we drive most consistently, because it comes straight from statements that go out on time and a pay-from-your-phone flow that removes the friction between owing and paying. ### How Rundoo handles it Rundoo is the AI-first POS built only for independent supply stores, so contractor charge accounts are not a module we grafted on but a core part of the system, with house accounts, pricing tiers, credit limits, statements, and aging all living at the register where the owner and the painter see the same thing. Payments run with ACH for large trade invoices, autopay clears the responsible balances without the chase, and [Dooey](/product/save-time-effort-with-ai/index.md) on every screen flags an account creeping past terms before it becomes a write-off. As a [Benjamin Moore preferred system](/partners/benjamin-moore/index.md) with [AllPro](/partners/allpro/index.md) ordering built in, Rundoo keeps the charge account, the tint bench, and the vendor order in one place, the shape a [paint store POS](/industries/paint/index.md) should take, and stores that switched from [Decor Fusion](/switch/decor-fusion/index.md) and [Epicor Eagle](/switch/epicor-eagle/index.md) keep their balances, pricing, and aging in the move. Put every vendor's charge-account handling through the questions below with the same scrutiny you would give a primer before topcoat, since the prep determines the finish. Then bring us your messiest charge account, the painter with three companies and a pricing deal nobody wrote down, and we will demo the whole cycle on your own data, from the truck run to the payment that clears itself. Stores from [Hollister Paint](/clients/hollister-paint/index.md) in California to [Westerly-Mystic Paints](/clients/westerly-mystic-paints/index.md) in Connecticut run their trade on Rundoo, and the fastest way to see whether it fits is to watch it handle the account that gives you the most grief. Net-30 does not have to come with a headache; it just needs software that treats the backbone like a backbone. Share Topics [Product](/insights/index.md#product) [Switching](/insights/index.md#switching) [← All insights](/insights/index.md) ## Frequently asked questions Should contractor charge accounts be built into the paint store POS? Yes. House accounts, per-customer pricing, credit limits, statements, and aging belong at the register, where activity is captured as it happens. The moment any of them lives in a separate program or a spreadsheet, your team is double-entering data and your trade pricing becomes folklore instead of a rule the system applies on every sale. How long should a monthly statement run take? Minutes, not days. On a system that treats accounts as first-class, the statement run is a batch job, because activity is captured at the register, pricing is baked into each line, and aging is already calculated. If statements mean two days of stuffing envelopes on one back-office machine, they go out late, and late statements get paid late. Can contractors see and pay their balance from a phone? They should be able to. Rundoo's [Customer App](/product/customer-self-service-app/index.md) puts the accounts at the register in the painter's pocket, where a contractor can review invoices, statements, and balances, settle a single invoice without calling the store, and set up automatic payments, while ACH handles the large trade invoices. Removing the friction between owing and paying is how stores that switched saw [a 25% reduction in accounts receivable](/insights/roi-of-switching/index.md). What charge-account data migrates when I switch POS? Ask for the exact list in writing: customers, open balances, custom pricing tiers, and detailed aging. Stores that moved to Rundoo from [Decor Fusion](/switch/decor-fusion/index.md) and [Epicor Eagle](/switch/epicor-eagle/index.md) keep their balances, pricing, and aging in the move, so month one on the new system starts from the same books as month twelve on the old one. ## Find out what Rundoo can do for your business Learn how Rundoo can help you save time, money and hassle running your business. [Book a demo](/signup/index.md) ! ## See Rundoo in action [Product ### Tour the platform POS, inventory, payments, and AI for independent supply stores, in one system.](/product/index.md) [Customers ### Read customer stories See how real paint, hardware, farm, garden, and lumber stores run on Rundoo.](/clients/index.md) ## Keep reading [![Ordering from Bradley Caldwell, PACOA, and your farm-and-home distributors](https://pub-5247264bd04e4ebeaecbbedb3bebb9f8.r2.dev/static/images/articles/pos-for-bradley-caldwell-pacoa-dealers-thumb.png) Product ### Ordering from Bradley Caldwell, PACOA, and your farm-and-home distributors How farm, feed, and pet-supply stores that buy from Bradley Caldwell, PACOA, Wallace, and Orgill turn distributor ordering into a search and a scan instead of a portal and a clipboard.](/insights/pos-for-bradley-caldwell-pacoa-dealers/index.md) [![Farm accounts, seasonal terms, and getting paid at harvest](https://pub-5247264bd04e4ebeaecbbedb3bebb9f8.r2.dev/static/images/articles/farm-charge-accounts-and-seasonal-terms-thumb.png) Product ### Farm accounts, seasonal terms, and getting paid at harvest How farm and feed stores run charge accounts on the growing calendar, from house accounts and per-customer pricing to statements, aging, and seasonal terms that let producers pay after harvest.](/insights/farm-charge-accounts-and-seasonal-terms/index.md) [![The best POS systems for farm and feed stores in 2026](https://pub-5247264bd04e4ebeaecbbedb3bebb9f8.r2.dev/static/images/articles/best-pos-for-farm-and-feed-stores-thumb.png) Product ### The best POS systems for farm and feed stores in 2026 A buyer's guide to farm and feed store POS systems in 2026, from Epicor Eagle and Lightspeed to niche feed systems and Rundoo, judged by bulk units, charge accounts, and statements.](/insights/best-pos-for-farm-and-feed-stores/index.md)