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

PanteraPay launched a smart billing and payment platform on July 12, 2026, aimed at small businesses that want faster invoicing, next-day payments and fewer processing fees. The platform lets businesses pass card fees to customers, keep the full service price and use email or text invoices with multiple payment options.

Why it matters: - Small businesses can reduce the impact of credit card processing costs and keep more of each sale. - Faster invoicing and next-day payments can improve cash flow for service providers that bill clients after work is completed. - The platform is designed to simplify billing for businesses that want online and mobile payment tools without contracts or cancellation fees.

What happened: - PanteraPay launched an all-inclusive smart billing and payment solution for small businesses. - The platform is built for online and mobile use and is positioned as a way to send invoices quickly and get paid the next day. - The company said the system eliminates traditional credit card processing fees for the business. - PanteraPay is a division of Pantera Software.

The details: - Businesses can send invoices by email or text, and customers can pay from the invoice. - Customers can choose credit card, ACH bank transfer, cash or check. - When a customer pays by credit card, the fee is displayed clearly and passed to the customer. - The typical card fee is 4% to 5%, according to PanteraPay. - ACH payments carry a flat fee of about $2.00. - Cash and check payments have no fees. - PanteraPay includes free setup and unlimited users. - The platform supports invoices, estimates, receipts, recurring billing and cloud storage. - PanteraPay also includes real-time email and SMS notifications, job notes, attachments and a dashboard. - The platform offers secure credit card and ACH processing. - PanteraPay says the service includes Level 1 PCI-DSS compliance, live onboarding and unlimited client support.

Between the lines: - PanteraPay is targeting service businesses that feel squeezed by payment fees and legacy invoicing systems. - The pitch centers on a fee-shift model that keeps the business whole while making payment costs more visible to customers. - The platform’s emphasis on transparency suggests it is competing on simplicity as much as on price. - PanteraPay said nearly half of Americans carry month-to-month credit card balances, citing August 2024 data, to underscore demand for flexible payment options. - Mike, CFO at PanteraPay, said the platform is meant to give businesses full payment and give customers flexibility and savings.

What's next: - PanteraPay will need to win adoption from small businesses that are actively looking to cut processing costs. - Customer response will likely depend on whether businesses accept fee pass-through and whether the billing workflow feels simpler than existing tools. - The company is promoting live onboarding and unlimited client support as part of the rollout.

The bottom line: - PanteraPay is betting that small businesses will trade traditional payment processing for a more transparent model that pushes card costs to customers and improves cash flow.