Helping local SMEs get immediate cash by selling their invoices at discounted prices
As of May 2019 KyoPay has helped fund 1.1 Billion Kyats worth of Invoice Receivables

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
How to get started with KyoPay ?
Follow these simple steps to get quick access
Value Proposition
  • Dynamic Pricing Leads to Cheaper Cost of Money 
    • Helping businesses to access short-term cash flow with minimum cost of funds and less processing 
  • Provides Financing at Point of Need (3 - 5 days) 
    • In house receivable validation process 
    • Bank partnerships help speedy disbursement 
  • Offers Accessible Source of Cash 
    • Does not require hard collateral 
    • Assessment is not solely based on seller’s financial history 
  • Removes Need for Invoice Collection 
    • Transfer obligation to collect invoice 
    • Protects SME from non payment 
  • Personal Information
  • Business Information
  • Valid Identity
    • Soft copy of NRC / Passport
    • Soft copy of NRC / Passport of authorized persons
  • At least one (1) latest Billing Statement billed to the Company Address
    • Utility Bills (i.e. Electric, Water, etc.)
    • Copy of Company Bank Book / Bank Statement
  • Business Documents
    • Company Registration Card
    • Articles of Association (if applicable)
    • Memorandum of Association
    • Form 6, Form 26
    • BOD resolution to open platform trading account and appointment of an authorized person to perform all action relating with invoice selling in KyoPay’s platform (stating NRC number)
    • *For Import/Export business, licenses of import/export are required

*We only accept JPEG, PNG, and PDF file type with a maximum of 5MB per file.


What businesses says about KyoPay Technologies

Some customers do not pay on due date as in agreement so I always end up waiting for late payments. It has been difficult to manage my cash flow for my business. I met KyoPay last 2018 October, I sold my invoices for a small discount rate through KyoPay Online Platform within a short…