Working capital on both sides of the invoice.
Suppliers choose early payment on approved invoices. Buyers choose to pay up to 45 days later.
For suppliers
Early Pay: approved invoices, paid within one business day.
When a buyer approves an invoice, the supplier sees an offer that reads the same way every time: the amount available today, the invoice amount at term, and the fee in dollars. No rates, no tables, no conditions to decode.
If the supplier accepts, Payve funds the supplier within one business day and is repaid by the buyer on the original due date. Suppliers who want to wait simply wait. The invoice pays at term like it always has.
Get
$127,264.46 today
instead of $129,500.50 in 28 days
$2,236.04 fee
Suppliers see everything upfront
The exact dollars received today, the fee, and the arrival time. The supplier decides with the whole picture in view.
Stronger supplier relationships
Suppliers with access to liquidity on open invoices stay closer, ship sooner, and prioritize the buyers who offer it.
Works cross-border
Suppliers in Mexico and Colombia receive early payments too, in local currency at a competitive exchange rate.
Optional fee coverage
Buyers can choose to cover part of a supplier's early pay fee for strategic relationships.
No change to buyer cash flow
The buyer's payment stays on its original terms. Offering early pay never pulls the buyer's cash forward.
Buyer rebates
Each time a supplier chooses early pay, the buyer earns a rebate when they pay on-time. The program pays for itself as suppliers use it.
For buyersEarly access
Pay Later: suppliers paid on the due date, you pay up to 45 days later.
Choose Pay Later on an approved invoice and Payve pays your supplier the full invoice amount on the due date. The supplier gets what they agreed to, when they agreed to it. Nothing changes on their side.
You repay Payve by bank transfer on a date you choose, up to 45 days after the due date, plus a fee shown in dollars before you confirm. Choose it invoice by invoice, or enroll a supplier once and every approved invoice from them follows the same schedule.
Your supplier gets
$129,500.50
in full on the due date
You pay $133,094.14 45 days later
$3,593.64 fee
Up to 45 more days
Pick a repayment date up to 45 days after the invoice due date. The fee is in dollars and shown before you confirm.
Suppliers paid in full, on time
Payve pays the supplier the full invoice amount on the due date. No reduction, no delay, no change to the terms you agreed.
Your schedule stays yours
The supplier sees an on-time payment from you and nothing else. Your repayment date stays between you and Payve.
One transfer on the date you chose
Repayment is a single bank transfer, scheduled when you confirm and moved automatically on the day. Nothing to remember, nothing to initiate.
Per invoice or per supplier
Choose Pay Later on one invoice, or enroll a supplier once as a standing program and every approved invoice from them follows it.
Approved invoices only
Pay Later applies to invoices a person on your team has already approved. Nothing moves on an invoice you have not signed off.
Which one, when
The same approved invoice, two different choices.
Early Pay is the supplier's choice. Pay Later is the buyer's. Both work on invoices the buyer has already approved, and neither changes what the other side agreed to.
- Who decides
- Early PayThe supplier, invoice by invoice or for all invoices
- Pay LaterThe buyer, invoice by invoice or per supplier
- What the supplier receives
- Early PayThe invoice amount less the fee, within one business day
- Pay LaterThe full invoice amount on the due date
- What the buyer pays
- Early PayThe full invoice on the original due date
- Pay LaterThe full invoice plus a fee, up to 45 days after the due date
- Who pays the fee
- Early PayThe supplier, unless the buyer chooses to cover part of it
- Pay LaterThe buyer
- What changes for the other side
- Early PayNothing. Buyer terms stay the same.
- Pay LaterNothing. The supplier is paid in full, on time.
- Availability
- Early PayAvailable now
- Pay LaterEarly access
Customer story
“The offer shows the exact dollars today and the fee. We choose invoice by invoice and leave the rest on their original terms.”
Money movement and manual work, handled.
A 30-minute walkthrough with your systems in mind. No rip and replace, nothing to install.