StonePay helps to manage payments on terms and encourages customers to pay on time. You can notify payment terms (30/60/90 days) —no need to chase clients or send reminders by email. StonePay does for you. When customers pay on time, they earn reputation points that can be converted in reward points. These rewards motivate punctual payments. The result: fewer delays, no collection calls, and more predictable cash flow.

StonePay helps improve your cash flow in several ways. First, it incentivizes timely payments from your customers. Second, it allows you to assess the reliability of potential business partners, helping you avoid risky transactions. Third, StonePay provides a digital interface that allows businesses to connect with authorized financial institutions offering invoice financing services. StonePay does not provide financing. Lastly, by improving your own reputation score, you may be able to negotiate better payment terms with suppliers, further optimizing your cash flow.

In some countries, members with a positive reputation score gain access to financing conditions through StonePay’s partnerships. You can access invoice financing to convert your customers’ invoices into immediate cash. These financing solutions can also be extended to your customers, enabling them to secure funding to pay you on time while still benefiting from extended payment terms. These services are provided directly by our partners which have the authorizations to provide financial tools. Our platform provides easy access to their services. StonePay is not a lender, credit broker, or financial advisor. It does not provide or arrange credit. Instead, it gives you the tools and data to make informed decisions that can improve your overall liquidity.

StonePay improves your business reputation score by converting your payment history into reputation points. Every time you make a timely payment, you earn points that increase your score. The system verifies transactions directly between the parties, ensuring your reputation reflects real behavior, not assumptions. Unlike traditional credit scores, your reputation is based on your current payment behaviors, not external financial indicators dictated by others. Your reputation score updates in real time. Basically, your costs turn into assets.