Pay4You is a cloud payment platform that automates capture, approval, and settlement of low‑value invoices using OCR, rule‑based workflows, and virtual credit cards or bank transfers. It consolidates all tail‑spend invoices into a single monthly statement and provides real‑time spend analytics, integrating with ERP and SSO systems. The service charges per‑invoice processing fees with optional subscription tiers for advanced analytics and integration support.
Funding
Funding not disclosed
Founders
Product
Problem
Companies with significant tail spend must process thousands of low‑value invoices each month, leading to excessive manual effort, fragmented approval workflows, delayed supplier payments, and poor visibility into non‑strategic expenditures.
Solution
Pay4You provides a cloud‑based payment platform that ingests all unmanaged, small‑value invoices, routes them through configurable approval rules, and settles payments via virtual credit cards or bank transfers. The service consolidates the entire invoice flow into a single, clean monthly statement, eliminating the need for multiple supplier setups and manual data entry. By centralising spend data, the platform delivers real‑time visibility, automated compliance checks, and faster month‑end closing. Timely payments improve supplier relationships while the unified invoice reduces administrative overhead and frees working capital. The solution can be integrated with existing ERP or SSO systems to fit corporate finance stacks.
Target Audience
Primary users are finance, procurement, and accounting teams in mid‑size to large enterprises that manage high volumes of tail‑end spend and seek to streamline invoice processing and payment.
Features
- Automated capture of low‑value invoices via web portal or API, with OCR‑based data extraction
- Virtual credit‑card issuance and bank‑transfer settlement through a unified Payflow™ engine
- Multi‑level, rule‑based approval workflow with customizable thresholds and role permissions
- Single consolidated monthly invoice and downloadable CSV/Excel reports for accounting reconciliation
- Real‑time spend dashboard offering category breakdown, supplier analytics, and compliance alerts
- Seamless integration with ERP, SSO, and procurement systems via RESTful APIs and webhooks
- Automated one‑time supplier onboarding with validation checks to reduce onboarding time from days to minutes
- End‑to‑end encryption and role‑based access control to ensure data security and auditability