INVOICING + PAYMENTS, UNIFIED

Send the invoice.

Get the Payment.

Skip the chaos.

BillWare connects merchant onboarding, professional invoicing, and online payments into one platform, so you can verify your business, bill your customers, and get paid without stitching together three different tools.

Verified account
Invoice
INV-1042
Paid
Total due $2,480.00
ACH + Card accepted

On your dashboard —

Tracked live
Total Revenue
Always current
Active Customers
Paid vs. pending
Invoice Status
Card & ACH split
Payment Methods

On your dashboard —

Tracked live
Total Revenue
Always current
Active Customers
Paid vs. pending
Invoice Status
Card & ACH split
Payment Methods

THE PLATFORM

Three steps. One platform.

Every dollar you bill for travels the same path — from verifying your business, to sending the invoice, to landing in your account. BillWare keeps the whole path in one place.

01 — ONBOARDING

Open for business in one sitting

Sign up, enter your business details, and pass identity verification (KYC) without leaving your browser. Connect your bank account and you’re set to start accepting funds.

Instant, fully digital sign-up

Built-in KYC identity verification

Direct bank account connection

What’s a merchant account?
It’s the special bank account behind the scenes that lets your business accept credit cards, debit cards, and other electronic payments.

02 — INVOICING

Invoices that look like you

Build professional, branded invoices with line items, products, services, and tax rates in minutes. For subscriptions, set recurring billing once and let it repeat on schedule.

Custom, branded digital invoices

Products, services & tax rates

Recurring billing for subscriptions

Always know where you stand
Every invoice is tracked as paid, pending, or overdue the moment it changes.

03 — CUSTOMER PAYMENTS

However they ways to pay

Customers open the invoice you sent and pay online, by credit card or ACH bank transfer, from a secure, self-serve portal that keeps a record of every payment.

Credit card & ACH payments online

Full payment history, always on hand

Self-serve customer login & portal

They’ll never miss one.
An invoice notification email goes out the moment a bill is ready.

GET STARTED

Start in seconds,
grow without limits

Create your account and complete verification at your own pace, no credit card required to get started.

No credit card required
Bank-grade AES-256 encryption
Start sending invoices immediately
Verify your business in under 10 minutes

How It Works

1

Create Account

Name, email & password
2

Verify your Email

Click the link we send you
3

Business Details

Legal name, type & tax ID
4

Choose your Pricing Plan

Select a pricing structure
5

Personal Details

Identity & residency info
6

Choose Payment Gateway

Select MerkPay or Fortis
7

Sign In securely

Confirm your credentials
8

Payout Setup

Bank account to receive funds
BillWare Dashboard

THE DASHBOARD

One screen, the whole business

Every merchant gets a live, at-a-glance view of revenue, customers, invoices, and payments together. No spreadsheet required.

Dashboard

Verified account
$48,210
Total Revenue
6
Pending & Overdue
126
Active Customers
18
Total Products

Revenue Trend

7 days
Jun 11Jun 13Jun 15Today

Invoice Status

26 total
26TOTAL
  • Paid  14
  • Pending  12
Credit Card$31,460
ACH Transfer$16,750

Recent Invoices

View all
InvoiceCustomerAmountStatus
INV-1042Aria Studio$2,480
INV-1041Nova Print Co.$960Pending
INV-1040Lighthouse Consulting$1,150

Quick Actions

Process Payment
Create Invoice
Add Customer
View Products

Recent Payments

View all
  • Aria Studio txn_8841$2,480.00
  • Lighthouse Consulting txn_8839$1,150.00
  • Surya Imports txn_8836$640.00

Payment Summary

This month
Succeeded$37,600
Pending$6,740
Failed$3,870

Illustrative dashboard, shown with sample data.

Payment methods

See revenue broken down by credit card and ACH transfer.

Recent invoices

Invoice number, customer, amount, due date and status at a glance.

Revenue trends

Track how collections are moving day over day.

Recent payments

Transaction ID, customer, amount, date and status, logged automatically.

BUILT-IN TRUST

Verification isn't an afterthought

Every merchant account starts with the same checks behind every major payment platform, built into the sign-up flow, not bolted on after.

Know Your Customer (KYC)

Identity verification runs the moment a merchant signs up, confirming the business is who it says it is before any money moves.

Verified account status

A clear “verified” badge confirms a merchant’s bank connection and identity checks are complete and in good standing.

Encrypted payments

Card and ACH payments are processed over encrypted connections, so customer payment details stay protected end to end.

INVOICING + PAYMENTS, UNIFIED

A simple place to pay

The moment an invoice is ready, your customer gets a notification by email. From there, they log in to a secure portal built just for them, no account-juggling, no confusion about what’s owed.

Automatic invoice emails

Customers are notified the moment a new invoice is ready for them.

Pay by card or ACH

View and pay invoices instantly with secure card or bank transfer.

A full payment history

Every past invoice and payment lives in one place customers can revisit anytime.

Platform Plans

Simple, Transparent Pricing

The platform is the lease. Transaction fees are the gas. Pick the plan that fits your volume.

Free

$0 / month

Up to $10K/month  ·  Forever free

Invoicing

  • Invoice creation & delivery
  • Recurring invoices
  • Basic invoice templates
  • Up to 50 invoices/month
  • Auto invoice reminders

Payments

  • Zero Cost Card
  • Standard Card (2.8% + $0.30)
  • Bank Transfer / ACH
  • International card (USD)

Portal & Support

  • Self-service customer portal
  • Custom portal branding
  • 1 admin user
  • Email support
  • Dedicated onboarding
  • Chargeback tracking
Get started
Most popular

Growth

$29 / month

$10K – $100K/month

Invoicing

  • Invoice creation & delivery
  • Recurring / subscription invoices
  • Custom invoice templates
  • Unlimited invoices
  • Auto invoice reminders

Payments

  • Zero Cost Card
  • Standard Card (2.8% + $0.30)
  • Bank Transfer / ACH US only
  • International card (USD)

Portal & Support

  • Self-service customer portal
  • Custom portal branding
  • 3 admin users
  • Priority email support
  • Dedicated onboarding
  • Chargeback & dispute tracking
Get started

Pro

$79 / month

$100K+/month

Invoicing

  • Invoice creation & delivery
  • Recurring / subscription invoices
  • Custom + branded templates
  • Unlimited invoices
  • Auto invoice reminders

Payments

  • Zero Cost Card
  • Standard Card (2.8% + $0.30)
  • Bank Transfer / ACH US only
  • International card (USD)

Portal & Support

  • Self-service customer portal
  • Custom portal branding
  • Guest / no-login checkout
  • Unlimited admin users
  • Full reporting + data export
  • API access for reporting
  • Phone / live chat support
Get started

All plans include KYC merchant verification and dedicated onboarding assistance.
Processing fees charged separately by MerkPay (MerchantFocus) per transaction.
Bank Transfer / ACH: 0.5% per transaction · $1.25 minimum · $4.00 maximum.

Payment Processing Plans

Payment Processing Fee are charged per transaction by MerchantFocus and are independent of the BillWare Platform Subscription Fee.

ACH DEBIT
USD
0% + $1.25 /txn
Rates as of June 23rd
Transaction fee $1.25
Return fee $10.00
Monthly fee $6.00
Monthly minimum fee None
Payment method type Ach_debit
CARD
USD
0% + $0.00 /txn
Rates as of June 23rd
Visa Discount Fee 0.00%
Amex Discount Fee 0.00%
Transaction fee $0.00
Chargeback $10
Reversal $10
Retrieval $10
Monthly fee $6.00
Monthly minimum fee $6.00
Card update fee $0.20
CARD
USD
2.8% + $0.30 /txn
Rates as of June 23rd
Transaction fee $0.30
Chargeback $10
Reversal $10
Retrieval $10
Monthly fee Free
Monthly minimum fee None
Bank account change fee $5.00
Card update fee $0.00
Card type markup rates 11 card types
Amex 3.1%
Diners Club 2.9%
Discover 2.9%
JCB 2.9%
Maestro 2.9%
Mastercard 2.9%
Solo 2.9%
Visa 2.9%
Visa Debit 2.9%
Visa Electron 2.9%
Interac 2.9%
Payment method type Card
Amex direct processing No
ZERO COST CARD Get Started
0% + $0.00 /txn
Rates as of June 23rd
Visa Discount Fee 0.00%
Amex Discount Fee 0.00%
Transaction fee $0.00
Chargeback $10
Reversal $10
Retrieval $10
Monthly fee $6.00
Monthly minimum fee $6.00
Card update fee $0.20
STANDARD CARD Get Started
2.8% + $0.30 /txn
Rates as of June 23rd
Transaction fee $0.30
Chargeback $10
Reversal $10
Retrieval $10
Monthly fee Free
Monthly minimum fee None
Bank account change fee $5.00
Card update fee $0.00
Card type markup rates 11 card types
Amex 3.1%
Diners Club 2.9%
Discover 2.9%
JCB 2.9%
Maestro 2.9%
Mastercard 2.9%
Solo 2.9%
Visa 2.9%
Visa Debit 2.9%
Visa Electron 2.9%
Interac 2.9%
Payment method type Card
Amex direct processing No
BANK TRANSFER Get Started
0% + $1.25 /txn
Rates as of June 23rd
Transaction fee $1.25
Return fee $10.00
Monthly fee $6.00
Monthly minimum fee None
Payment method type Ach_debit

GET STARTED

Ready to simplify your billing?

Get verified, send your first invoice, and get paid, all in one afternoon.

Get Started
sales@apoorva.com