PanteraPay launches billing platform aimed at eliminating card fees for small businesses

PanteraPay unveiled an all-inclusive billing and payment platform for small businesses on July 12, 2026, promising next-day payments, transparent fees and tools for invoicing, receipts and recurring billing. The company says the service is designed to help service providers keep 100% of their service price while shifting card costs to customers.

Why it matters: - PanteraPay is targeting one of the biggest pain points for small service businesses: credit card processing fees that reduce take-home revenue. - The platform is designed to improve cash flow by speeding up invoicing and payment collection. - The product also gives customers more payment choices, which can reduce friction at checkout.

What happened: - PanteraPay launched an online and mobile billing and payment platform for small businesses on July 12, 2026, in Los Angeles. - The service lets businesses send invoices by email or text and receive payment the next day. - PanteraPay says businesses can keep 100% of their service price without traditional credit card processing deductions. - A company executive said PanteraPay is meant to be “a smarter way to run your business.”

The details: - The platform includes secure credit card and ACH processing. - PanteraPay offers free setup and unlimited users. - The system includes invoices, estimates, receipts, recurring billing and cloud storage. - Businesses also get real-time email and SMS notifications, job notes, attachments and a dashboard. - PanteraPay says there are no contracts and no cancellation fees. - The service includes Level 1 PCI-DSS compliance. - PanteraPay says live onboarding and unlimited client support are included. - Customers can pay from a single invoice using credit card, ACH bank transfer, cash or check. - When a credit card is selected, the fee is shown upfront and is typically 4% to 5%. - ACH payments carry a small flat fee of about $2.00. - Cash and check payments have no fees. - PanteraPay says the business receives 100% of its service price regardless of the payment method chosen. - The company says nearly half of Americans carry month-to-month credit card balances, citing August 2024 data.

Between the lines: - The launch fits a broader push by payment software providers to repackage billing as a cash-flow tool, not just a checkout function. - PanteraPay is positioning fee transparency as a competitive advantage for cost-conscious service businesses. - Shifting card fees to customers may appeal to businesses, but it also makes clear pricing more visible to end users.

What's next: - PanteraPay is likely to use the launch to win service providers frustrated by high processing costs. - The company will need to prove that its fee model and payment workflow can scale without creating customer friction. - Broader adoption will depend on whether small businesses value next-day payments and fee transparency enough to change billing systems.

The bottom line: - PanteraPay is betting that small businesses will trade traditional payment processing for a simpler system that protects revenue and gives customers more ways to pay. - More information