Customer-Centric
Payment Platform

With flexible payments and disbursements, simplify workflows and boost digital adoption rates 2–3x higher than industry averages.​

Omni-Channel Payment Experience

Every interaction is an opportunity to build trust, enhance satisfaction, and drive measurable results. Our cloud-native platform is designed to meet customers where they are — on any device, through any channel, at any time — while easing the workload on busy teams. 

Customers can seamlessly transition between mobile, desktop, and text channels without losing their place in the payment journey, ensuring a consistent, uninterrupted experience across every touchpoint. Meet customers where they are and let them pay their way.

Digital & Mobile

Guest Checkout

No login required. Allow customers to quickly make a payment without creating an account.

One-Click Payments

Give customers the option to store payment methods for fast, seamless transactions.

Text-to-Pay

Text customers with a secure link to pay instantly from their mobile device.

Pay-by-Email

Allow customers to pay directly from their inbox through embedded payment links in emails.

Digital Wallets

Meet customer preferences and increase payment completion rates by offering Apple Pay, Google Pay, Venmo, PayPal, or Pay in 4.

Voice & In-Person

IVR (Interactive Voice Response)

Give customers the option to make secure payments anytime via an automated phone system.

ACH & eChecks

Accept direct bank transfers and electronic checks for a secure payment alternative.

Customer Service Rep-Assisted Payments

Take payments over the phone or guide customers through digital enrollment and self-service options.

CheckFreePay Cash Locations

Enable customers to pay bills in cash at thousands of retail locations nationwide.

Kiosk Support

Provide walk-in or unbanked customers with self-service payment options through on-site kiosks.

Flexible Options

Scheduled Payments

Let customers choose a future date to pay, helping them manage cash flow and avoid late fees.

AutoPay

Automatically deduct payments on the due date, reducing missed payments and manual effort.

Minimum Due Payments

Grant customers the option to pay just the minimum amount due, supporting affordability and flexibility.

Multi-Account & Multi-Property Support

Enable customers to manage and pay for multiple accounts or properties from a single login.

Donation Options

Offer the ability to make voluntary contributions during checkout, supporting community or charitable initiatives.

Payment Channels

Credit Cards

Accept all major cards: Visa, MasterCard, Discover, and American Express.

Cloud Pay & Cloud Store

Provide secure, cloud-based payment and storage options for recurring or one-time payments.

OBD (Outbound Dialer)

Use automated phone calls to remind customers of upcoming payments or allow them to pay directly over the phone.

Built for Everyone

Accessibility-First Design

Enable digital payments for everyone with a solution that follows the W3C Web Content Accessibility Guidelines, the Americans with Disabilities Act (ADA), and other applicable web accessibility laws.

Support for Unbanked Customers

Provide mobile-first and cash options for people without a bank account.

Disbursements Made Easy

Simplify outbound payments with fast, flexible disbursement solutions designed to support a wide range of use cases. Whether you’re issuing claims payments, premium refunds, or agent commissions, InvoiceCloud streamlines the process — even for complex, multi-party workflows.

Claims Payments

Quickly and securely disburse funds to policyholders or claimants, reducing processing time and improving satisfaction.

Premium Refunds 

Automate refund distribution for overpayments, cancellations, or policy adjustments with full audit visibility.

Agent Commissions

Ensure timely and accurate commission payments to agents and partners, with customizable scheduling and reporting.

Multi-Party Disbursements

Manage payments involving multiple recipients or stakeholders with built-in logic for routing and approvals.

Enhanced Support for Complex Workflows

Handle exceptions, approvals, and compliance requirements with configurable workflows and real-time tracking.

Reconciliation & Reporting

Receive consolidated deposits across all payment channels and eliminate the hassle of managing multiple bank statements and labor intense reconciliation cycles. Automated matching and clear reporting reduce manual effort and errors while improving cash flow visibility. InvoiceCloud reconciliation and reporting tools reduce administrative overhead and empowers staff to make data-driven decisions.

  • AI Report Generator: Instantly turn payment data into actionable insights.
  • Real-Time Reconciliation: Automatically match payments to accounts.
  • Transaction Fee Flexibility: Configure fees by submitter or payment type.


Flexible Integrations

Launch faster. Scale smarter. Our cloud-native infrastructure lets customers deploy on their terms, with no manual updates or middleware for IT to manage.

  • 160+ Pre-Built Integrations: Connect with leading CIS, ERP, and CRM systems such as Guidewire, Oracle, SAP, and more.
  • Streamlined Deployment & Migrations: Go live quickly with minimal disruption.
  • SDKs & APIs: Customize and extend functionality with ease.
  • True Cloud Deployment: Get immediate access to new features and updates automatically.

White-Glove Onboarding & Ongoing Strategic Support

At InvoiceCloud, we don’t just get you up and running — we set you up for long-term success. Our onboarding and ongoing support services are designed to ensure a smooth, on-time implementation and continual digital optimization tailored to your team’s unique needs.

Dedicated Onboarding Specialists

Personalized guidance from experts who understand your business, systems, and goals.

Seamless Implementation

A structured, hands-on onboarding process that minimizes disruption and accelerates time to value.

Tailored Training & Enablement

Customized training for your team to ensure confidence and adoption from day one.

Strategic Account Management

Ongoing partnership with a dedicated account manager focused on your success and growth.

Proactive Optimization

Regular performance reviews and data-driven recommendations to help you continuously improve outcomes.

Responsive Support

Access to a knowledgeable support team that’s ready to help when you need it most.

Engagement Tools: Empower Staff & Customers

Unlike traditional portals, InvoiceCloud drives real self-service with embedded behavioral nudges, mobile optimization, and personalized experiences.

Customer Emulation

Staff can view and navigate the platform exactly as customers do.

Live Support

Real-time assistance provides help for both staff and customers.

Automated Reminders

Email, text, and calendar notifications reduce missed payments.

Courtesy Emails & Bounce Tracking

Proactively send helpful payment communications and ensure failed transactions don’t go unnoticed.

Marketing Resource Center

Intent-based campaigns and co-branded marketing support boosts engagement.

Proven Results

2-3x

2–3x Higher Adoption than Industry Average*

70%-84%

Up to 77% Paperless Billing and 84% Online Payment Adoption*

50%

Up to 50% Reduction in Late Notices and Delinquencies*

*Source: Based on data collected from customers that went live on the InvoiceCloud platform in 2022 and 2023 and had 12 month’s worth of available payment data as of Dec. 2024

Security, Compliance, and Up-Time

InvoiceCloud ensures every transaction is secure, compliant, and reliable. Our platform protects sensitive data and builds trust at every touchpoint, all backed by continuous up-time and comprehensive audit visibility.

Security & Compliance

  • PCI-DSS Compliant: Secure handling of cardholder data
  • Nacha Compliant: Meets rigorous ACH transaction standards
  • SOC 1 & SOC 2: Demonstrates strong internal controls and data protection
  • Compliance-Ready in All 50 States: Nationwide regulatory alignment

Advanced Protection

  • Real-Time Alerts: Instantly detects anomalies and monitor usage
  • Multi-Factor Authentication: Adds an extra layer of login security
  • Advanced Data Encryption & Tokenization: Protects sensitive information in transit and at rest
  • Role-Based Access Controls: Ensures users only access what they need
  • Full Audit Trails & Activity Logs: Maintains transparency and accountability

Find Your Industry

Empower customers with convenient, digital options for utility billing and payments.

Give policyholders a better payment experience for premiums and claims.

Offer easy, digital ways for your community to pay parking tickets, fees, and more.

Meet constituent expectations with a range of easy-to-use options for paying taxes.

Modernize Your Billing Experience

Schedule a demo to see how InvoiceCloud can help you improve productivity, increase digital adoption, and deliver the payment experience your customers expect.