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Local businesses rely on fast, predictable cash flow — but manual invoicing, scattered payments, and outdated bill pay tools slow them down.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.

Lower Total Processing Costs

Consolidate fragmented vendors, automate manual processes, and reduce long-term operational overhead.

Platform Capabilities

Leading credit unions trust our infrastructure to deliver modern payment experiences while maintaining absolute control and security.

ACH, RTP, FedNow

Complete payment rail support

Seamless Accounting Invoice Integration

Quickbooks, Xero and Others

Real-time Reporting

Live analytics & insights

Secure & Compliant

Bank-grade security standards

Ready to Modernize Your Accounts Receivable 
 & SMB Bill Pay?