Stop paying monthly subscription fees for online credit apps & payments.

Why pay monthly for features like online credit applications and payment links? PencilPay gives you everything you need with no subscription fees.

Book A Demo

No subscription. No setup cost. Go live the same day.

Don’t pay $200–$600 a month for tools like online credit apps and embedded payment links.

PencilPay gives you all of this free — no software subscription, no hidden fees.
Just a payment processing fee as low as Stripe.

Start collecting payments today!
Add credit card payment links to invoices and sales orders, collect deposits, automate payment plans, and set up invoice reminders – all without the hassle of weeks of setup and the outrageous price tag.

Automate collections with reminders, bulk payments, and flexible payment plans. Take secure card payments over the phone or let customers pay directly from their statements. All payments sync with your accounting software or ERP for instant bank reconciliation and zero manual data entry.

Make the switch today

Join the growing number of businesses that have moved away from expensive AR systems. Start using all the same tools and experience faster payments, and zero monthly fees.

Reduce debtor days and secure payment:
Collect payments automatically on their due date via credit card or direct deposit.

Simplify credit applications:
Fully digitise your credit application process and streamline credit checks, payment terms and approvals.

Accounting and inventory integration:
PencilPay syncs directly with your accounting and inventory systems, streamlining your financial operations.

Book a demo with us today

Select a date and time that suits you to learn more about how PencilPay can help your business

What our customers say about us?

"Our average outstanding over 45 days (which is our measurement internally) has gone down by 35% in 4 months. As far as cashflow, we're just getting that cash in and turning it more and just seeing the cash in the bank sooner."

Nick Carse – Consumer Goods

Owner of P10 Foods

"All our data is kept in one place, easily accessible and easy to use. Pencil adds common sense payment functions specific to wholesale. Not many payment companies are able to do this."

Stacy Visser – Coffee Roaster

Owner of The Bean Cartel

"Any company that offers payment terms and does not use a platform like PencilPay™ is wasting time and money. It’s brilliant. The bank likes it, the accounts people like it, sales team like it and customers like it. It’s a win for everyone."