Get paid in days, not months.

Perqia puts credit, invoicing, payments and reconciliation in one place. Your customers get a reason to pay early, and your team stops chasing past-due invoices. You keep your receivables, your margin and your customer.

Request a demoCalculate your impact
Sample Perqia invoice #56103 for $48,250 on Net 30 terms, with a 2% early-payment offer. Its timeline: sent on day 0, viewed on day 2, reminders on days 7 and 14, then paid in full on day 20, ten days before the due date.

$48,250

Due Nov 23, 2026 Net 30

Pay early & savePay $47,285 by Nov 13 to settle in full Save 2%
Shipped
Oct 24, 2026
To
Hartley Supply Co.
From
Eastern Distributors, Inc.
Invoice
#56103
PO
#276296

Customers pay late for reasons you can fix.

Follow a Net 30 invoice through its cycle, today and with Perqia.

  1. Day0

    Today

    No incentive to pay early

    The first 15–30 days go by with no reason for customers to pay ahead of schedule.

    With Perqia

    Paying early pays off

    Invoices arrive as one link with an early-payment discount you set.

  2. Day30Due

    Today

    Customers stretch their terms

    Without easy bank or card payment options, many pay when time allows.

    With Perqia

    Payments are fast

    Instantly pay by bank, card, or digital wallet. Once or on a schedule.

  3. Day45

    Today

    Past due means phone calls

    You chase customers or hand off to a collections agency, and the relationship takes the hit.

    With Perqia

    Engage customers earlier

    Personalized nudges run throughout the month, and payments reconcile automatically.

  4. Day60

    Today

    Factoring or agencies take a cut

    Factoring eats into thin margins, and outsourced collectors don't have your customer in mind.

    With Perqia

    No factoring, no agency

    Perqia never buys or advances against your invoices.

Credit, invoicing, payments, and AR in one place.

Enhance credit intelligence

Credit decisions start at the application, and every account is monitored thereafter.

Provide a reason to pay early

Set an early-payment discount, and let customers pay with the methods you enable.

Automate nurture and reconciliation

Customers are nurtured throughout the month, and payments post automatically.

Six days sooner is $822,000 back
in a $50M business.

Turn receivables into cash faster, freeing up capital to reinvest without additional financing.

Calculate for your business

M
$20M$200M

In millions of dollars, up to 5 characters

days

How long inventory takes to sell. Turn on to see revenue opportunity.

DSO
reducedCash
releasedRevenue
opportunity
1 day$137K$1.7M
3 days$411K$5.0M
6 days$822K$10.0M
9 days$1.2M$15.0M
12 days$1.6M$20.0M

Estimates. Revenue opportunity assumes cash released is reinvested in inventory that sells every 30 days.

Let customers pay the way they expect to.

Let customers pay now or on a schedule, using the payment methods you enable.

  • BankACH direct debit, RTP where possible
  • CardsAccept credit and debit card payments
  • Digital walletsEnable Apple Pay, Google Pay, and Venmo
  • One-time or scheduledPay now, set a date, or a recurring schedule

Choose when to pay

Nov 13$47,285.00 Save 2% Change

Choose a payment method

Business checkingChecking account ending in 5678
Subtotal
$47,285.00
Processing fee
$5.00
Total payment
$47,290.00
Pay $47,290.00

By confirming, you authorize a one-time payment to Eastern Distributors, Inc. from your connected bank account. Payments may take several business days to complete.

Connects to the ERP and accounting you already run.

Perqia manages credit, invoicing, payments, and reconciliation. It syncs with your ERP or accounting system, or works on its own.

Your customerHartley Supply Co.
Credit, invoicing, payments and AR
Your systemsERP, accounting, system of record
Your customer
Applies for creditOnline application
Submitted
Perqia
Credit reviewReports pulled, $250K limit on Net 30
Approved
Your systems
Customer syncedAccount, limit and terms in your ERP
Synced
Your systems
Invoice entered#56103 for $48,250.00 in accounting
Created
Perqia
Invoice sent#56103 by email, with a link to pay
Sent
Your customer
Invoice openedViewed on day 2
Viewed
Perqia
Customer nurtureReminders, days 7 and 14
2 sent
Your customer
Payment$47,285.00 by ACH, day 20
Paid
Perqia
Payment reconciledMatched to invoice #56103
Matched
Your systems
Synced backPosted to accounting, closed in ERP
Posted

Fix how you get paid before you pay someone to collect.