Optimising payments by changing the traditional card model

Many organisations and their suppliers have a problem today, and it stems from B2B payments. Regardless of your business vertical you might find current methods of paying by commercial card can create additional time and expense on both sides. That’s if the supplier even accepts card payments.

The answer lies with Invapay: an innovative B2B payments platform, which offers the buyer a way to optimise working capital.

The challenge

The traditional commercial card model is flawed on several counts:

  • Suppliers may not want to accept card payments
  • If they do, suppliers must sign-up with acquirers, incurring a merchant service charge and terminal rental charge
  • They may also be asked by buyers to provide enhanced invoice data. In many cases, suppliers have to double key the enhanced invoice data into software – adding further to the administrative burden and the potential for keying errors
  • Buyers are required to maintain multiple payment methods to transact with suppliers rather than just use card
  • Reconciliation can be time-consuming and costly
  • Payment delays may occur due to reconciliation issues or the sheer volume of invoices passing through Accounts Payable

The financial and administrative burden is particularly acute if the supplier doesn’t transact often with the buying organisation.

The Invapay difference

The Invapay platform solves these problems with a unique proposition. It acts as a master merchant to support commercial card payments to suppliers who don’t accept them. The card payment from the buyer goes to Invapay, who then pays to the supplier via electronic bank transfer. This means suppliers, in most cases, don’t have to bear the expenses associated with entering a contract with an acquirer.

On the buyer side there are also significant benefits. With Invapay technologies, organisations can use their existing commercial card programme to pay suppliers, maximising use of their card credit line and reducing the need for multiple payment methods across their supplier base. Working with Optal’s partners in the card schemes and issuing bank communities, Invapay technologies can help buying organisations maximise their Days Payable Outstanding (DPO) and therefore optimise their working capital. For example, Invapay utilises existing card credit lines to pay for high value recurring transactions such as tax, commercial rent, sub-contractor payments and high value goods for resale like mobile phones.

Contact details:

Bradley Eccleshare
Chief Marketing Officer

M +44 0 7525 929198
T +44 0 20 3892 4928

About Optal Ltd

Optal is re-inventing how payment processes work across complex industries. By stripping payment processes of their customary inefficiency, Optal helps companies boost profitability across a growing number of sectors around the world.

Optal issues Mastercard branded payment products, driving its focus on developing and bringing to market, game-changing payment solutions. Optal’s working capital solution, Invapay, turns underutilised credit lines into a dynamic resource to manage cashflow.

“Invapay” and “Invapay solution” means Invapay Payment Solutions Limited, a private limited company in England and Wales, authorised and regulated as an Authorised Payment Institution by the Financial Conduct Authority under the Payment Services Regulations 2017 which is a wholly-owned subsidiary of Optal Limited.

Talk to us to discover how Optal can add value to your organisation.

General Enquiries: +44 (0)2038 924 928
Invapay Technical Support: +44 (0)3308 387 490

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