PanteraPay launches all-inclusive billing and payment platform for small businesses

PanteraPay launched a new billing and payment platform on July 12, 2026, aimed at small businesses that want faster invoicing, next-day payments and fewer processing fees. The Warren, Michigan company says the system lets businesses keep 100% of their service price while shifting card costs to customers when they choose to pay by credit card.

Why it matters: - Small businesses often lose margin to credit card processing fees, invoice delays and manual paperwork. - PanteraPay is designed to give service providers faster access to funds and more predictable cash flow. - The platform also gives customers more payment choices, which can make it easier to complete transactions.

What happened: - PanteraPay announced an all-inclusive smart billing and payment solution for small businesses on July 12, 2026. - The platform is based in Warren, Michigan. - PanteraPay combines online and mobile billing with payment processing for invoices sent by email or text. - PanteraPay says businesses can receive payments the next day. - The company says the platform removes traditional credit card processing fees from the business side of the transaction.

The details: - PanteraPay includes secure credit card and ACH processing. - The platform offers free setup and unlimited users. - Businesses can create invoices, estimates, receipts and recurring billing. - The system includes cloud storage, job notes, attachments and a dashboard. - PanteraPay provides real-time email and SMS notifications. - The platform offers live onboarding and unlimited client support. - PanteraPay says the service has no contracts and no cancellation fees. - The platform is Level 1 PCI-DSS compliant. - A business sends an invoice, the customer chooses a payment method and any applicable card fee is added transparently. - PanteraPay says the business receives 100% of its service price without deductions. - Customers can pay by credit card, ACH bank transfer, cash or check. - The company says credit card payments typically carry a 4% to 5% fee that is passed to the customer. - ACH payments have a flat fee of about $2.00. - Cash and check payments have no fees. - PanteraPay says the model is meant to help businesses and customers make cost-aware payment choices. - Mike, CFO at PanteraPay, said the platform is meant to be a smarter way to run a business and that small businesses should not be penalized for offering card convenience. - PanteraPay is a division of Pantera Software. - Contact details listed in the release include Sales@PanteraPay.com, (800) 825-0085 and PanteraPay.com.

Between the lines: - PanteraPay is targeting a common pain point for service businesses: keeping more revenue while still offering modern payment options. - The pitch centers on transparency, with fees shown to customers instead of being absorbed by the business. - The emphasis on ACH, cash and check suggests PanteraPay wants customers to choose lower-cost payment methods when possible. - The reference to nearly half of Americans carrying month-to-month credit card balances is meant to reinforce the value of flexible payment options.

What's next: - PanteraPay says the platform is already drawing interest from service providers frustrated with high processing fees. - The company is positioning the product for broader adoption among small businesses that want simpler billing and faster payment collection. - PanteraPay's next test will be whether the fee-shifting model and next-day payments are enough to win users away from existing invoicing tools.