Growth Without Sacrificing Margins with Payment Processing
Streamline net terms, reconciliation, and invoicing with an AI-powered B2B payments platform built for scale.
Payment Processing Hub
Multi-method payment platform
Recent Transactions
IncoXchange Metrics
See the measurable impact of our B2B payment processing platform
B2B Payments Built for Scale
Accelerate Cash Flow with Advance Pay
Receive up to 90% upfront on approved invoices. Our ML-driven credit engine evaluates buyers in real-time. You get faster liquidity, without the wait.
Extend B2B Payment Terms, Without Risk
Let customers pay on 30, 60, or custom terms while IncoXchange pays you immediately. Our proprietary AI underwrites and insures every invoice.
Offer Seamless, Flexible Payment Options
Your customers enjoy a branded portal offering ACH, credit card, wire, or check. Our AI-powered invoicing workflow ensures every transaction is synced automatically.
We improve B2B payments for 12,000+ businesses
Net terms for B2B buyers. Immediate cash for you.
IncoXchange uses AI to manage every stage of the net terms process—from instant credit checks to payment reconciliation so you can scale with confidence. Offer 30 or 90-day terms, win larger customers, and grow into new markets.
Low-cost, secure bank-to-bank transfers with next-day settlement
- 0.8% processing fee
- Next-day settlement
- Bank-grade security
Accept all major credit cards with competitive processing rates
- 2.9% + 30¢ per transaction
- Instant processing
- All major cards
Same-day processing for urgent or high-value transactions
- $25 flat fee
- Same-day processing
- High-value transactions
Traditional check processing with digital tracking and verification
- $5 processing fee
- 3-5 business days
- Digital tracking
QuickBooks Online + AI-Powered bookkeeping
Keep your accounting software instantly up to date as soon as you get paid by IncoXchange. We automatically record your transactions so you don't have to. Auto-bookkeeping pushes your transaction records to QuickBooks, linked to the original invoice.
IncoXchange streamlines B2B payments on both sides
For your customers
Company-branded payment portal
Offer your own branded and professional payments & billing experience to improve your customer's experience.
- Secure online login and access
- One dashboard to view all invoices, credit lines, and history
- Easy online payment options: ACH, transfer, or credit card
For your business
Accounts receivables dashboard
Strategically unlock cash flow and make smarter business decisions. Utilize larger credit lines, export payment summaries.
- Easily view all outstanding AR
- Access credit line summaries & advance rates for all customers
- Export and sync payment history
The features that set IncoXchange apart
Improve your customer's experience by giving them more ways to pay with a professional, company-branded, billing experience.
Understand and reduce risk by proactively managing AR and maximize your customer's credit lines.
Save time on manual reconciliations. IncoXchange automatically records and syncs all transactions to QuickBooks.
Don't lose the sale. Access fast and reliable financial assessments of your customer's credit within hours.
AI-powered credit decisions that evaluate thousands of data points to approve more customers safely.
Give online customers the option to apply for net terms at checkout. Approvals are granted within hours.
B2B Commerce Built for Scale
Speak with a B2B Payments Expert
Setup takes 5 minutes. Your contractors will thank you.