Turn unpaid invoices into instant cash, earn short-term returns by funding invoices, and create professional invoices for free, all in one platform built for Tanzania.
Sell Invoice • Invest • Get Paid
"We were evicted from our office due to unpaid rent, while we had unpaid invoices on our desk. This frustration inspired us to build InvoPay to ensure no other dreamer has to face that same setback. InvoPay enables dreamers to turn their unpaid invoices into instant cash to keep their business running."
Walter A. RwizaFounder & CEO, InvoPay✨ Sell Invoice • Invest • Get Paid
Don't wait 30-90 days for your client to pay their invoices while your business needs cash now. Get instant cash by discounting your invoice for as little as 5% on InvoPay. Our vetted financial investors will give you the cash you need through a crowd financing model. You repay when your client pays the invoice.
Get cash for invoices
Invest in funding discounted invoices on InvoPay and get a return of 4% - 10% while helping Small and Medium Enterprises (SMEs) to grow. It is a low risk, short term and high yield investment option.
Start investing
Generate customized invoices for free for your clients and send them automatically as a text message through SMS and as a PDF through email. InvoPay will seamlessly send your clients payment reminders and track your payments in real time.
Create a free invoiceThe InvoPay Developer Platform gives you powerful APIs for payments, payouts, sub-account management, and real-time analytics. With clear docs, code samples, and a sandbox, you can prototype in minutes and scale to production with confidence. Built on clean RESTful endpoints, InvoPay makes financial integration simple, fast, and developer-friendly.
Get started with just a few lines of code
// Initialize InvoPay client
const invopay = new InvoPay({
apiKey: 'your_api_key',
environment: 'sandbox'
});
// Create a payment
const payment = await invopay.payments.create({
amount: 50000,
currency: 'TZS',
customer: {
name: 'John Doe',
phone: '+255712345678'
},
callback_url: 'https://yourapp.com/webhook'
});
// Process payout
const payout = await invopay.payouts.create({
amount: 25000,
currency: 'TZS',
recipient: {
type: 'mobile_money',
phone: '+255712345678',
provider: 'vodacom'
}
});
console.log('Payment created:', payment.id);Trust in the accuracy and transparency of our platform's payment processing capabilities, which provide you with real-time updates and notifications on your investment transactions.
We take pleasure in attending to our customers’ needs.
Creative minds are our core competence.
We are honest and open with our stakeholders.
We believe in the Japanese principle of continuous improvement in the delivery of excellent services to our customers.
❓ Questions & Answers
Find answers to common questions about InvoPay's services, features, and how we can help transform your business finances.
InvoPay is a financial platform designed for Small and Medium Enterprises (SMEs). We provide instant cash by funding your unpaid invoices and offer free invoice generation and management. We also offer investment opportunities for capital market investors.
You upload an unpaid invoice from a creditworthy client to the InvoPay platform. Our network of vetted financial investors can then provide you with an immediate advance of a large percentage of the invoice's value for a small discount fee (as low as 5%). You receive the cash instantly, and repayment happens automatically once your client pays the invoice in full.
The cost is a discount fee, typically ranging from 5% to 12% of the invoice value. This fee is determined by factors like the invoice amount, invoice maturity time, and your client's creditworthiness. This is not a loan with interest, but a one-time fee to get your money immediately.
Investors can expect short-term returns between 4% and 10% by funding discounted invoices. It is considered a lower-risk investment because returns are tied to a specific business transaction (the invoice), and the investment is short-term, aligning with the invoice's payment term (30-90 days).
No. Generating, customizing, sending, and tracking invoices is completely free on InvoPay. We also include automated payment reminders sent via SMS and email to your clients.
Changisha is a feature that allows you to create transparent, real-time fundraising pages for events like weddings, charities, or condolence collections. All contributors can see the donations coming in, which builds trust and encourages more participation.
Security is our top priority. We use industry-standard encryption and security protocols to ensure that all your payment information and data are completely safe and protected from unauthorized access.
Absolutely. Our Developer Platform offers powerful APIs for payments, payouts, and analytics. With clear documentation and a sandbox environment for testing, you can seamlessly integrate InvoPay's functionalities into your own systems.
Kaizen is a Japanese philosophy meaning "continuous improvement." For us, it's a commitment to constantly enhancing our platform, adding new features, and improving our service based on your feedback to serve you better every day.
Can't find the answer you're looking for? Our team is here to help.
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