Trade Terms & Settlement for FMCG: digitize commercial agreements with distributors and retailers, automate trade settlement cycles, prove contract compliance. OTIF improvement from 9% to 60%, settlement error reduction from 6.5% to 0.1%, +EUR 6.7M additional revenue in 12 months.
Trade Terms & Settlement for FMCG: digitize commercial agreements with distributors and retailers, automate trade settlement cycles, prove contract compliance. OTIF improvement from 9% to 60%, settlement error reduction from 6.5% to 0.1%, +EUR 6.7M additional revenue in 12 months.
Trade Terms & Settlement
Set the terms. Prove they were met.
Digitize commercial agreements with FMCG distributors and retailers — including volume targets, promotions, and settlement calculations.
Trusted by the world’s leading FMCG brands
Why is your trade spend out of control — and what does it cost you?
Every distributor, wholesale, and retail chain has its own contract, its own promotional rules, its own sales targets. Without a dedicated settlement system, your team spends quarter-end chasing disputes instead of growing the business.
Without Trade Terms & Settlement
- ✕ Contracts negotiated in spreadsheets — terms, targets, and rebates scattered across KAMs
- ✕ No visibility on whether distributors actually deliver against agreed volumes (OTIF unknown)
- ✕ Promotional rebate calculations done manually in Excel — disputes drag on for weeks
- ✕ Free goods issued by distributors never reconciled against entitlements — leakage hidden
- ✕ Stock-outs at distributor level — promotion launches before product is in the warehouse
- ✕ Settlement cycles take weeks — quarter-end becomes a finance fire drill
With Trade Terms & Settlement
- ✓ Every contract digitized — terms, targets, rebates, and rules in one structured system
- ✓ Real-time OTIF tracking on every order from every distributor — proven delivery data
- ✓ Promotional settlements calculated automatically from sales data — disputes drop from 6.5% to 0.1%
- ✓ Free goods reconciled against contracts — entitlements vs. actual issuance audit trail
- ✓ Pre-promotion stock checks at distributor level — alerts before campaigns launch
- ✓ Settlements close in days, not weeks — quarter-end becomes routine
Three steps, one closed-loop settlement cycle
Trade Terms & Settlement closes the entire cycle from contract negotiation to revenue verification. Every step is fed by Trade Data Hub data — and feeds One View analytics.
Step 1
Set the terms
Digitize every contract — sales targets, distribution conditions, promotional rules, OTIF requirements, free-goods entitlements. KAMs negotiate; the system structures.
Step 2
Execute
Track real-time delivery against agreed terms. OTIF on every order. VMI alerts when distributor stock drops. Pre-promotion stock checks before launch.
Step 3
Settle
Calculate settlements automatically from sales data. Reconcile free goods. Close the cycle in days, not weeks. Audit trail proves what was agreed and what was delivered.
Powered by Trade Data Hub data foundation — every settlement based on verified sales data. ISO/IEC 27001:2022 certified.
Why do Sales Directors choose Trade Terms & Settlement over Excel and ad-hoc tools?
You could manage trade contracts and settlements in Excel + ERP. Here’s why FMCG manufacturers from beverages to pharma chose a purpose-built platform instead.
Excel can’t enforce contract terms. Trade Terms & Settlement can. Every distributor agreement, every promotional rule, every OTIF requirement structured in one system. KAMs negotiate; the system structures and audits. Trade spend doesn’t “leak” anymore — every euro goes against a defined entitlement.
Sales reports tell you what was ordered. Trade Terms & Settlement tells you what was actually delivered, in what condition, on time. Real-time OTIF tracking on every distributor. Free goods reconciled against entitlements. Stock levels at distributor warehouses — before promotions launch.
Quarter-end is no longer a finance fire drill. Promotional rebates auto-calculated from sales data. Contract bonuses triggered automatically when distribution thresholds met. Settlement cycles drop from 5 days to 2.5 days. Cash flow accelerates; disputes drop from 6.5% to 0.1%.
Distributor disputes settlements? Show the audit trail. Sales Director questioned by CFO on trade spend? Show the dashboard. Every commitment digitized. Every delivery verified. Settlement decisions backed by data, not “I think we agreed.”
From 9% In-Full delivery to 60% — proven in production
OTIF (On-Time In-Full) measures whether distributors actually deliver what they committed to — on schedule, in full quantity. Trade Terms & Settlement makes OTIF visible, measurable, and enforceable across every order from every distributor.
Define
Set OTIF targets per contract — delivery deadlines, in-full thresholds, partial-delivery rules
Capture
Every order tracked — order date, promised delivery, actual delivery, quantities ordered vs. delivered
Reconcile
System compares promise vs. reality, calculates In-Time and In-Full ratios, flags exceptions in real time
Diagnose
Root-cause analysis — distributor stockout, transportation issue, processing delay, demand spike
Improve
One View dashboards — distributor rankings, trends, hotspots. KAMs negotiate better; weak partners get fixed or replaced
9%→60%
In-Full Delivery
production track record
95%
OTIF target
achieved at top distributors
5d→2.5d
Order cycles
50% faster realization
Real-time
Mobile alerts
field reps see status in app
Beyond OTIF — VMI and Promotional Settlement
Two production-grade modules that operationalize the closed-loop cycle: VMI removes stockouts before they happen; Promotional Settlement removes disputes after they’re earned.
Vendor Managed Inventory (VMI)
When manufacturers manage distributor inventory directly — based on demand signals, not orders — stockouts disappear, working capital frees up, and orders flow without manual KAM intervention.
Delivers:
- ✓ Auto-replenishment based on real-time stock levels and demand forecasts
- ✓ Manufacturer plans production against actual distributor consumption
- ✓ Demand-driven, not order-driven — no more “order, hope, deliver” cycles
- ✓ Mobile Touch alerts when stock drops below thresholds
In production: leading pharma distributor — 14 years of VMI partnership. AOV +16%, lost sales −80%.
Trade Promotion Settlement
Promotional rebates, contract bonuses, free goods entitlements — all calculated automatically from sales data. No more Excel disputes, no more “I think we agreed”, no more lost margin to misallocated rebates.
Automates:
- ✓ Promotional rebate calculations from real distributor sell-out data
- ✓ Contract bonuses triggered when distribution thresholds met
- ✓ Free goods reconciliation — entitlements vs. actual issuance
- ✓ Audit trail for every settlement decision (defendable in dispute)
In production: leading global F&B manufacturer — promotional settlement engine. Errors 6.5%→0.1%, cycles 5d→2.5d.
How a leading global F&B manufacturer automated promotional settlement with its distributor network
“We replaced a spreadsheet-based settlement process — manual, slow, error-prone — with an automated engine that calculates promotional rebates directly from sales data. Settlements that used to take weeks now close in days; disputes dropped from 6.5% to 0.1% of cases.”
6.5%→0.1%
Settlement Error Rate
manual disputes eliminated
5d→2.5d
Settlement Cycles
50% faster quarter-end close
3 systems
Integrated
TTS + Connector + One View → SAP
2026
Live
active production deployment
Every settlement workflow — covered by one platform
Trade Terms & Settlement covers eight production-grade modules — from tracking distributor performance to reconciling promotional rebates. Pick the modules you need today; add the rest as your settlement maturity grows.
Track & Monitor
| OTIF | On-Time In-Full tracking on every order from every distributor |
| VMI | Vendor Managed Inventory — demand-driven replenishment |
| Stock Monitoring | Distributor-level inventory visibility with threshold alerts |
| Expiry Date Monitoring | Expiry tracking, pre-expiry sell-down planning, write-off prevention |
| KPI Monitoring | Settlement cycle health, dispute rate, time-to-pay, partner rankings |
Settle & Reconcile
| Promotional Settlement | Rebates auto-calculated from real distributor sell-out data |
| Contract Settlement | End-to-end contract lifecycle: target definition, performance tracking, threshold-based bonus calculation, full audit trail |
| Free Goods Reconciliation | Entitlements vs. actual issuance — automated audit trail per distributor |
8 modules
end-to-end TTS coverage
3 layers
TTS + Connector + One View → SAP
20+ years
production heritage
TTS settles the contracts — One View proves the outcomes
Trade Terms & Settlement closes the cycle. One View — our analytics layer built on Power BI — turns every settlement into a dashboard your team uses to negotiate better terms, fix underperforming partners, and prove ROI to management.
Track & Monitor dashboards
| OTIF | In-Full by Documents · In-Full by Positions · Order Realization · Order Locks |
| VMI | Stock Levels by Distributor · Demand Forecast Accuracy · Replenishment Pipeline · VMI Coverage Map |
| Stock Monitoring | Distributor Inventory Snapshot · Stock-out Alerts · Forward Stock Coverage · Slow-moving SKUs |
| Expiry Date Monitoring | Expiry Risk Heatmap · Pre-expiry Sell-down Plans · Write-off Forecasting · Distributor Expiry Aging |
| KPI Monitoring | Settlement Cycle Health · Dispute Rate by Distributor · Time-to-Pay Trends · Partner Performance Rankings |
Settle & Reconcile dashboards
| Promotional Settlement | Rebate Calculations · Campaign ROI by Channel · Sell-out vs Sell-in Reconciliation · Distributor Promo Performance |
| Contract Settlement | Bonus Status · Threshold Achievement Tracking · Year-end Settlement Forecast · Contract Compliance Audit |
| Free Goods Reconciliation | Entitlements vs Actual Issuance · Free Goods Audit Trail · Distributor Compliance Score · Discrepancy Alerts |
Why trust Asseco Platform — the foundation behind Trade Terms & Settlement
Trade Terms & Settlement is built on Asseco Platform — a vendor recognized by leading analysts and trusted by 170+ FMCG manufacturers across enterprise planning, trade execution, and analytics.
9×
POI Best-in-Class
9 POI Best-in-Class distinctions across Data Management, AI/Machine Learning, Coaching & Training, Guided Selling, and more — full Asseco Platform recognition.
POI 2025 Vendor Panorama
Gartner
Representative Vendor
Recognized for world-class solutions with capacity for multi-channel, multi-region deployment across FMCG — the platform foundation behind Trade Terms & Settlement.
Gartner Market Guide for Retail Execution Management in FMCG (2025, G00768127)
ISO/IEC
27001:2022
Information security management certified. Critical when your platform handles enterprise sales data, decision workflows, and partner-facing systems.
Certified by Alcumus ISOQAR, February 2026
Powered by 170+ implementations across FMCG · 20+ years of production-grade deployments · 14 years of distributor partnerships with leading FMCG brands
Trade Terms & Settlement is the settlement engine of Asseco Platform
Settlements don’t happen in isolation. TTS pulls data from Trade Data Hub, drives priorities for Sales & Retail Execution, and verifies promotional commitments through Retail Image Recognition.
Trade Data Hub
TDH supplies verified sell-out, sell-in, and stock data that TTS uses to calculate settlements, track OTIF, and manage VMI. Without TDH, every settlement is a manual reconciliation. With TDH, every settlement is automatic.
Your route-to-market data foundation. →
Sales & Retail Execution
TTS settlements inform field priorities — which distributors are dragging on OTIF, which retailers are hitting bonus thresholds, where promotional execution is failing. SRE reps see the consequences of trade settlement decisions in their daily routes.
55,000+ users in 50+ countries →
Retail Image Recognition
AI shelf verification proves that promotional commitments are met in stores — pricing, displays, planogram compliance. RIR data feeds back into TTS to validate distributor execution before bonus payments.
>98% accuracy, offline AR →
Common questions about Trade Terms & Settlement
Trade Terms & Settlement is a purpose-built B2B settlement platform for FMCG manufacturers. It digitizes commercial agreements with distributors and retailers — contracts, sales targets, promotional rules, OTIF requirements, free-goods entitlements — then automates the entire cycle from execution to settlement. Eight modules cover OTIF, VMI, stock and expiry monitoring, KPI dashboards, promotional settlement, contract settlement, and free goods reconciliation.
Excel records what was agreed but can’t enforce it. ERP records transactions but doesn’t reconcile them against agreements. TTS bridges the gap: every contract structured in one system, every distributor delivery measured against agreed terms, every settlement calculated automatically from sales data with full audit trail. Built specifically for FMCG manufacturer-to-distributor relationships, not generic procurement or finance flows.
The OTIF module tracks every order from every distributor — order date, promised delivery, actual delivery, quantities ordered vs. delivered. The system calculates In-Time and In-Full ratios automatically and flags exceptions in real time. Mobile Touch alerts your field team when a distributor under-delivers. One View dashboards show distributor rankings, trends, and root-cause analysis (stockout, transportation, processing delay). Production track record: improvement from 9% to 60% In-Full delivery, 95% OTIF target at top distributors.
The Promotional Settlement module ingests sales data from distributors and applies your promotional rules — volume thresholds, channel-specific terms, time-bounded campaigns — to calculate rebates automatically. Every calculation produces an audit trail defendable in dispute. Free goods entitlements are reconciled against actual issuance. Production track record at a leading global F&B manufacturer: settlement errors dropped from 6.5% to 0.1%, settlement cycles from 5 days to 2.5 days.
Trade Data Hub is recommended, not required. TDH provides the cleanest, most reliable data foundation for TTS — verified sell-out, sell-in, and stock data from every partner. If you already have your own integration layer feeding clean trade data, TTS can ingest directly. But without a structured data foundation, settlement automation is harder to scale across multiple distributors and markets. Most enterprise deployments combine both products.
TTS is part of Asseco Platform — ISO/IEC 27001:2022 certified (Alcumus ISOQAR, February 2026), covering five security domains: physical access, work environment, system security, product & service security, and legal security. Each client deployment runs in a dedicated environment — trade-spend data, contracts, and settlement decisions from one manufacturer are never accessible to another. Every settlement decision generates an audit trail defendable in dispute with distributors, retail partners, or auditors.
Modular rollout. OTIF tracking can go live in weeks (the simplest module). Promotional Settlement adds 4–6 weeks (rules engine + audit trail). Full scope across all 8 modules and a complete distributor network takes several months. Each implementation is managed by Asseco’s own team (not third-party SI partners), bringing 20+ years of FMCG-specific settlement expertise. The platform works for enterprises with hundreds of distributors and SMBs with as few as 10.
