Next-Generation SMB Accounts Receivable & Bill Pay
The AI-Powered Digital Payment Suite
Unify Bill Pay, AR, P2P/A2A, Cross-Border, and Custom Payment Workflows under your brand. Bring daily financial activity, member engagement, and deposit flow back into your ecosystem.
Local businesses rely on fast, predictable cash flow — but manual invoicing, scattered payments, and outdated bill pay tools slow them down.
The
PayOnward Business Suite
brings everything together under one unified, intelligent platform purpose-built for Credit Unions and their SMB members.
Smarter Invoicing
Automate billing & reminders
AI Cash Flow Insights
Predict inflows & optimize follow-ups
Unified Payments
AR + Bill Pay in one experience
Accounts Receivable (SMB)
End-to-end invoicing, automated reminders, and intelligent reconciliation that help SMBs collect faster and manage receivables with ease.
Customer & Invoice Management
Create customizable invoices
Automated payment reminders
Sync with accounting systems
Accept multiple payment methods
Payment tracking & history
Customer & Invoice Management
Reconcile payments automatically
Accounting integrations (QuickBooks, Xero)
Predictive inflow insights
Track aging and collections
Payment tracking & history
CORE CAPABILITIES
Intelligent Fraud Prevention
PayOnward provides built-in fraud protection that validates vendors, detects anomalies, and safeguards high-risk actions. For sensitive changes and large payments, PayOnward applies step-up authentication – powered by CyberloQ.
Geofencing
Restrict access based on physical location data.
Biometrics
MFA integration via device-native biometrics.
Risk Scoring
Dynamic thresholds for automated flagging.
Policy Engine
If/Then security rules for custom workflows.
Seamless Experience Across Devices
When payments move to third-party apps, you lose visibility, data, and the primary financial relationship.
Invoice Activity
View invoice status, details, and payment history in one clear, real-time view.
Invoice Payment
Pay invoices securely with flexible payment options through your Credit Union.
Send Invoice
Send, schedule, or automate invoice delivery with confidence and control.
SMB Bill Pay
A smarter way for businesses to manage vendor payments, reduce errors, and keep cash flow organized — all inside one secure platform.
Vendor & Invoice Control
Vendor directory & management
Invoice capture & OCR technology
Scheduled & recurring payments
Approval workflows for teams
Exceptions handling
Security & Intelligence
Smart vendor matching
Duplicate invoice detection
Fraud & compliance checks
Real-time payment rails (ACH, RTP)
Digital audit trails
AI AGENT
AI Smart VendorPay — Intelligent Vendor Payments
Our AI engine works 24/7 to safeguard your business payments and optimize your spending.
Flags unusual vendor activity instantly
Detects duplicate invoices to prevent double pay
Suggests optimal payment timing for cash flow
Learns business spending patterns to prevent fraud
Why Credit Unions Choose Us
We translate complex payment capabilities into measurable business outcomes, helping you drive member value through operational excellence.
Faster Payments, Faster Cash Flow
Reduce days-to-cash with real-time and automated payment workflows designed for immediate liquidity.