An early payment discount is valid only under the terms that apply to your account and invoice. Do not assume every UNFI supplier has the same percentage, start date or payment event. Find the executed agreement and amendments before calculating a dispute.
What does a term such as 2/10 net 30 mean?
As a general illustration, 2/10 net 30 describes a 2% discount within a 10-day discount period, with the full balance due in 30 days. This is an example of payment-term notation, not a statement of your UNFI terms. Your agreement must establish when each clock starts and what counts as payment.
Collect the dates and documents
- Signed agreement and the payment-term code assigned to the account.
- Invoice number, invoice date and evidence of invoice transmission or receipt.
- Delivery date and receiving record, if the agreement uses them.
- Check, ACH or remittance date, together with the payment event required by the contract.
- Discount amount, eligible invoice base, credits and any offset balance.
Subtracting bank receipt date from delivery date is not a safe universal rule. An agreement may use invoice receipt, acceptance, issuance of payment or another event. Resolve that interpretation before concluding that a payment was late.
Validate the amount and timing separately
- Recalculate the discount using the eligible invoice amount and agreed percentage.
- Determine the applicable start date from the contract and supporting records.
- Compare the qualifying payment event with the end of the discount period.
- Review offsets, credits, disputed balances and written exceptions that may affect the result.
If the calculation or timing is inconsistent with the agreed terms, state the exact invoice, amount and reason for the dispute. If the contract or a date is missing, mark the item as needing evidence rather than treating it as proven invalid.
Submit through the account's current process
The UNFI Dispute Center documentation describes the Natural supplier portal for submissions and tracking. Confirm whether that route accepts your particular cash-discount issue.
Check the current UNFI supplier instructions for your channel and deduction type. An MCB promotion process may not be the correct route for a cash-discount issue. Include a short calculation, relevant contract language and the supporting payment record. Save the case reference and any response.
Follow a decision through to payment
A favorable response is not yet recovered cash. Locate the adjustment on a later remittance and reconcile it to the original deduction. Revya's cash-application workflow helps match payments and unexplained balances while finance retains control of accounting entries.
For related charge types, see UNFI deduction management. To measure results, use your own resolved claims rather than an unsupported universal win rate.