Produce Payment Clearinghouse

By Reserva — The Financial Backbone of the Fresh Produce Industry

What Is the Produce Payment Clearinghouse?

The Produce Payment Clearinghouse (PPC) by Reserva is a game-changing solution purpose-built to address the financial and operational complexities of the fresh produce industry. It functions as a centralized platform that facilitates, verifies, and settles payments between parties such as growers, shippers, distributors, brokers, and retail buyers.

Traditional financial clearinghouses serve as trusted intermediaries in industries like banking and securities, ensuring that payments and trades are completed accurately and securely by handling validation, risk mitigation, and transaction finality. Reserva brings this trusted model to the produce supply chain, an environment historically burdened by fragmented systems, manual workflows, and heightened credit risk.

By automating the payment lifecycle, from sale confirmation to final disbursement, the PPC ensures that funds are distributed precisely as agreed, based on real-time data and transaction rules. It enables traceable, efficient, and secure financial operations that eliminate disputes, accelerate settlements, and reinforce trust across the supply chain.

The PPC not only simplifies finance, it standardizes it.  This shared infrastructure unifies how produce businesses interact financially, delivering a level of professionalism and predictability that the industry has long needed. With its deep integration into operational systems and regulatory frameworks, the PPC is more than a tool, it's the new standard for produce payments.

Why It Matters

Who It's For

• Handles the complexity of perishable supply chains

• Enforces compliance and reduces credit risk

• Streamlines AR/AP with automation

• Ensures traceability and PACA Trust protection

•  Growers: Guaranteed, trust-backed payments

•   Distributors & Brokers: Faster receivables and simplified settlements

•  Retail Buyers: Compliant, trackable payments to suppliers

• Financiers: Transparent cash flows and real-time risk scoring


 

How It Works

Think of it as the "Plaid + Stripe + SWIFT + PACA Trust" of the produce world. PPC combines fintech-grade infrastructure with industry-specific workflows and compliance:

•  Escrow & Automated Settlements: Buyer funds are held and released after shipment verification.

• Smart Routing: Payments split between growers, carriers, brokers, and inspectors.

• Cross-Border FX: Supports same-day settlements in multiple currencies, including USD and MXN.

• Real-Time Risk: Credit scoring, fraud detection, and PACA Trust priority flows built-in.

Powered by  the Reserva Ecosystem

The PPC is deeply integrated with Reserva's suite of fintech and ERP solutions:

•  Reserva PACA Trust: Protects supplier payments with traceability-backed compliance

• Reserva Treasury:Manages liquidity and automates AP/AR scheduling

• Reserva Forex: Provides real-time, low-fee FX settlements.

• Reserva Programs: Tracks grower settlements and repacking operations with precision.

• Reserva ERP:The operating system that ties it all together, from orders to inventory to financials.