Optal’s working capital solution, Invapay, turns underutilised credit lines into a dynamic resource to manage cashflow. It allows businesses to handle big payment deadlines for utilities, overheads and even tax, putting commercial credit card facilities to work and ensuring that banking partners benefit from smarter and more flexible use of credit services offered to business customers.

Overview of Invapay

Commercial credit card facilities from your banking partner can help to fulfil payment obligations without tying up valuable liquidity or relying on money that’s expected to hit a business account. But all too often, supplier acceptance and transaction fees get in the way. As a result, credit lines go unused, reducing payment options for businesses that have credit card facilities in place. Invapay solves this problem. Invapay removes the need for supplier acceptance of credit cards, and extends restrictive Days Payable Outstanding (DPOs) by delivering transactions to the supplier immediately and directly. It works with all major issuing banks and card scheme brands, including Visa, Mastercard and American Express. No applications, just intelligent use of facilities already at your disposal, extending your buying power.

Invapay enables smart use of working capital for a business via existing commercial credit cards – whether that’s a single card or multiple credit lines. This can help finance departments manage payment peaks created by corporate tax obligations, rent and utilities bills, all the way through to smaller, more frequent payments.

Learn how to manage deadlines more effectively by utilising credit in our 'How commercial credit can create smart working capital' guide.
Download now

Paying suppliers and sub-contractors on time is crucial to the smooth running of a business. Invapay’s platform ensures payments can be made when needed, without affecting your cash flow, helping to build and maintain better, more productive relationships.

Find out how to streamline your supply chain management with Invapay in our 'How commercial credit can create smart working capital' guide.
Download now

With Invapay, there’s no need for businesses to seek approval for new credit lines or take out risky short-term finance. Our platform uses existing resources to securely and efficiently pay suppliers and sub-contractors – while a strict authentication process keeps transactions safe.

Learn more about how to pay suppliers securely and efficiently in our 'How commercial credit can create smart working capital' guide.
Download now

The Invapay onboarding process is simple. Once an organisation is up and running, the platform is easy to use, reducing the administrative burden and ensuring that all payments go out exactly as instructed.

Find out how to take advantage of the user-friendly Invapay platform in our, 'How commercial credit can create smart working capital' guide.
Download now

The Benefits

  • Unlock working capital

    Businesses can access working capital while extending days payable outstanding (DPO), easing the pressures of day-to-day payment challenges.

  • Streamlined Platform

    Operations can be streamlined, and administrative burdens relieved with an easy to use platform.

  • Improve relationships

    A frictionless experience for payees can maintain positive supplier and sub-contractor relationships at no financial cost.

  • Grow business

    Banks can ensure credit lines are utilised effectively, helping them grow in a competitive landscape.

Invapay optimises working capital for a buying organisation by extending DPO for up to 55-60 days, whilst ensuring suppliers are paid on time with no unwanted extra charges”

How it works

Invapay provides a working capital alternative, unlocking the funds from commercial credit card lines to settle payments. It’s a simple solution for businesses looking to put their commercial credit cards to work and drive efficiency. For banking partners, this can ensure greater commercial credit card line spending. Once the Invapay platform is set up, payments can be made via batch file upload or as a single transaction by authorised users set up during the onboarding process. Here’s how it works.
1

The organisation is issued with a commercial card account number, which is lodged in the Invapay platform.

2

An authorised user sends a payment file to Invapay with instructions to make a payment.

3

The lodged card account is debited for the sum indicated. The acquirer sends funds to Invapay’s client money account for onward payment to suppliers.

4

Invapay processes an Electronic Fund Transfer to the supplier, arriving with a reference number.

Invapay helps Banks and Businesses

Invapay is a useful tool for any business looking to better utilise their commercial credit card facilities, ensure access to working capital, improve cash flow and maintain positive buyer relationships.

Banks

Invapay can assist banks looking to provide innovative solutions to customers, ensuring their credit lines are utilised effectively to maximise revenue from commercial credit cards.

Businesses

Invapay can help businesses looking to unleash working capital, juggle payment deadlines more effectively and streamline operations.

Only the Invapay entities of the Optal group (of which Optal Limited is the ultimate holding company) currently provide the Invapay solution within their relevant jurisdictional reach. Please click on the "Regulatory Information" tab below for further details.

Who is it useful for?

Invapay is a useful tool for any business looking to better utilise their commercial credit card facilities, ensure access to working capital, improve cash flow and maintain positive buyer relationships.

Invapay enables smart use of working capital for a business via existing commercial credit cards – whether that’s a single card or multiple credit lines. This can help finance departments manage payment peaks created by corporate tax obligations, rent and utilities bills, all the way through to smaller, more frequent payments.

Learn how to manage deadlines more effectively by utilising credit in our 'How commercial credit can create smart working capital' guide.
Download now

Paying suppliers and sub-contractors on time is crucial to the smooth running of a business. Invapay’s platform ensures payments can be made when needed, without affecting your cash flow, helping to build and maintain better, more productive relationships.

Find out how to streamline your supply chain management with Invapay in our 'How commercial credit can create smart working capital' guide.
Download now

With Invapay, there’s no need for businesses to seek approval for new credit lines or take out risky short-term finance. Our platform uses existing resources to securely and efficiently pay suppliers and sub-contractors – while a strict authentication process keeps transactions safe.

Learn more about how to pay suppliers securely and efficiently in our 'How commercial credit can create smart working capital' guide.
Download now

The Invapay onboarding process is simple. Once an organisation is up and running, the platform is easy to use, reducing the administrative burden and ensuring that all payments go out exactly as instructed.

Find out how to take advantage of the user-friendly Invapay platform in our, 'How commercial credit can create smart working capital' guide.
Download now

“Invapay is an innovative digital solution that allows organisations to transform underutilised credit lines into working capital”

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

General enquiries: +44 (0)333 230 1316
Business Development: +44 (0)333 230 1842
Invapay Technical Support: +44 (0)3308 387 490
Press & Media: +44 (0)203 772 8842

info@optal.com


View our offices

Sign up:

Subscribe to receive the latest thinking, white papers and articles.
  • By pressing “subscribe”, you agree that Optal may collect your full name and email address so we can add you to our subscriber list to receive marketing material, newsletters or general information about the Optal group’s services. We will only use your information for the purposes set out in our Privacy Notice. If you wish to unsubscribe you can do so at any time by emailing us at unsubscribe@optal.com or by clicking on the unsubscribe link at the end of any marketing email you receive from us.
  • This field is for validation purposes and should be left unchanged.