Invoice Receivables Marketplace

KyoPay is an online auction platform where we allow the businesses and investors to trade on approved invoices receivables.

How it works

Registration and Log in

Register and accomplish basic ‘KYC/AML’ requirements

Invoice Upload

Upload invoice receivable/s and wait for verification and approval

Invoice Auction

Invoices will be awarded to the Funder with the highest bid amount

Fund Disbursement

Discounted funds are transferred to the Invoice Seller within 1 - 3 days

Why KyoPay ?
Fast and Simple

Our platform’s simple interface enables users to easily navigate and monitor the status of their invoices, fund transfers, and collectibles.

It’s integration with local banks allows the secure and speedy transfer of payment.
Secure and Transparent

Data, including transaction and user information will only be visible and accessible to parties directly involved in an invoice transaction and only to those explicitly granted access to this information.
Dynamic and Competitive

During an auction, the discount may change as bids come in from more potential Funders. A Seller's invoice might start with a 5% discount, but bidders push it down to 4% or 3%.

The auction bidding process leads to dynamic pricing which results to cheaper cost of money for the Seller.

For Invoice Sellers


Source of funds come from 3rd party buyers, usually High Net Worth Individuals and MFIs. Compared to Banks processing takes only 1 - 3 business days.


Amount to be discounted is equivalent to the full value of the invoice less applicable taxes

Basis of Credit

The Seller of the invoice is not the main basis for credit rating checks. Credit is based on the financial standing of the invoice seller's clients whom they provided the product or service to.

Bought by BanksBought by 3rd Party Investors
100% is discounted70% - 80% is discounted
Hard CollateralNo Collateral
3 - 6 wks processing3 days processing

For Invoice Buyers

Key Benefits

  • Strict invoice receivables validation procedures 
  • Invoice Receivables from Blue Chip and multinational companies in good standing 
  • Collection team follows up on Invoice payments and collect on the Funder’s behalf

News & Announcement

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