SMARTER B2B PAYMENTS

Make your payments work harder.

Generate returns on surplus cash while giving suppliers the flexibility to get paid sooner.

Calculate your return

Join the pilot

SUPPLIER CHOOSES

£99,000 today

£100,000 invoice · 30 days early

30 days early · 1% discount

BUYER CAPTURES

£1,000 return

£99,000 deployed · 1% discount

THE EXCHANGE

Turn payment timing into value

Payment terms are fixed. The value of time isn’t. Paytau lets suppliers choose early payment when the terms work for them, while buyers put surplus cash to work and capture the return.

No lending. No new debt. Just a smarter way to use the time between invoice and payment.

Approved invoice

An approved invoice becomes eligible for early payment.

Early-payment offer

Supplier chooses to get paid early at the available discount.

Both sides benefit

Supplier receives cash sooner. Buyer captures the return.

THE ECONOMICS

See what your cash could earn

Explore the potential return from paying approved supplier invoices earlier.

Paytau Return Calculator

Early Payment Return Snapshot

£1,000 return

in 30 days

≈ 12.3% annualised

Invoice Amount (£)Days Paid EarlyDiscount (%)

Buyer return

£1,000

Supplier Receipt

£99,000

Annualised return

Approx. 12.3%

Annualised return is based on the return generated over the number of days paid early.

Early-payment opportunities

Product illustration · not customer data.

£100,000 invoice · 30 days early

1% discount

£485,000

Eligible invoices

£126,400

Accepted early

£1,830

Buyer return

10.4%

Target return

Cash available · Eligible suppliers · Target return

FOR FINANCE TEAMS

Scale early payment without scaling the workload

Replace one-off requests and manual negotiations with a simple way to manage early-payment opportunities across your supplier base.

FOR SUPPLIERS

Better cash flow without more borrowing

Paytau gives suppliers flexibility around money they’ve already earned. Choose to receive approved invoices earlier in exchange for a clear discount — or wait for the normal payment date. Participation is always optional.

Get paid earlier when it makes sense. Wait when it doesn’t.

Approved invoice

£100,000

Payment date

7 October

GET PAID TODAY

£99,000

Accept early payment

WHERE WE’RE GOING

We’re building a smarter layer between AP and AR

Dynamic discounting is where we’re starting. Our ambition is to make the wider journey between invoice and payment work better. We want to reduce admin, improve visibility and help buyers and suppliers make better decisions around payments and cash flow.

We’re building Paytau alongside finance teams, using the problems they face every day to shape what comes next.

AP ↔ PAYTAU ↔ AR

Less friction. Smarter payments. More value for both sides.

Help shape Paytau

See what early payment could be worth to your business.

Put surplus cash to work while giving suppliers more flexibility over when they get paid.

Calculate your return

Join the pilot