We Power the Business.
Request Demo
Transform Accounts Payables from a liability
into an asset with HarmoneyPOP.
Legacy Payment Platforms Pay the Bills.
In partnership with:
We Power the Business.
Request Demo
Transform Accounts Payables from a
liability into an asset with HarmoneyPOP.
Legacy Payment
Platforms Pay the Bills.
In partnership with:
We Power the Business.
Request Demo
Transform Accounts Payables from a
liability into an asset with HarmoneyPOP.
Legacy Payment
Platforms Pay the Bills.
In partnership with:
We Power
the Business.
Request Demo
Transform Accounts Payables from a liability
into an asset with HarmoneyPOP.
Legacy Payment
Platforms Pay the Bills.
In partnership with:
We Power the Business.
Request Demo
Transform Accounts Payables from a liability into an asset with HarmoneyPOP.
Legacy Payment
Platforms Pay the Bills.
In partnership with:
What Could You Do with 30 to 90 Days of Free Working Capital?
Supply Chain Finance • Trade Credit
Powerful financial tools, out of reach until now!
These tools have long helped enterprises optimize cash flow, unlock liquidity, and boost profitability. But here’s the irony...
1
The companies that benefit most are the ones that need it the least. Massive enterprises with the capital and infrastructure to make it possible.
The companies that benefit most are the ones that need it the least. Massive enterprises with the capital and infrastructure to make it possible.
2
Meanwhile, the businesses that need it most have been left behind.
3
Now, any business can unlock the same liquidity and working capital advantages that Fortune 500 companies have relied on for decades.
82% of Businesses Fail Due to
PoorCash Flow or Liquidity
— Quickbooks / Intuit & Business Insider
Changes Everything
We’ve automated & democratized trade finance and working capital,
making it simple, accessible, and impactful for the first time.
No Complexity
Just More Capital
Just More Capital
No Monthly Fees
No Complexity
It Starts with Your Payments and
Ends with Your Profitability
How We Make it Happen
HarmoneyPOP connects Buyers and Suppliers through a unified self-service platform automating the entire payables process for both parties.
The Buyer’s finance team has everything it needs to orchestrate payments and unlock working capital automatically, and at no cost.
We Bring Harmoney.
Everything after the invoice is no longer the “Buyer’s Burden”.
All the hassles and costs of managing payments, settlements, and reconciliation are eliminated.
We Make Everything Easier.
HarmoneyPOP enables fast and easy payments via ACH, Check, and Virtual MasterCard (vCard).
All payments made by vCard access trade credit unlocking profound liquidity benefits for both Buyer and Supplier.
We Turn AP Into
Working Capital.
All payments made to Suppliers via vCard are paid immediately by HarmoneyPOP’s trade credit facility, regardless of due date!
Buyers preserve their cash flow, only reimbursing HarmoneyPOP 30, 60, or 90 days later.
If reimbursement happens within 30 days of the invoice’s original due date, there’s zero interest.
So You Can Profit From
Every Payment.
Supplier Invoices
Paid Instantly
1
Buyer Reimburses HarmoneyPOP
2
0% Interest if
Paid in 30 Days
3
Only 2.5%
Interest After
4
What Could You Do with
30 to 90 Days of
Free Working Capital?
Supply Chain Finance • Trade Credit
Powerful financial tools, out of reach
until now!
These tools have long helped enterprises optimize cash flow, unlock liquidity, and boost profitability. But here’s the irony...
1
The companies that benefit most are the ones that need it the least. Massive enterprises with the capital and infrastructure to make it possible.
The companies that benefit most are the ones that need it the least. Massive enterprises with the capital and infrastructure to make it possible.
2
Meanwhile, the businesses that need it most have been left behind.
3
Now, any business can unlock the same liquidity and working capital advantages that Fortune 500 companies have relied on for decades.
82% of Businesses Fail Due to
PoorCash Flow or Liquidity
— Quickbooks / Intuit & Business Insider
Changes Everything
We’ve automated & democratized trade finance and working capital,
making it simple, accessible, and
impactful for the first time.
No Complexity
Just More Capital
Just More Capital
No Monthly Fees
No Complexity
It Starts with Your Payments and
Ends with Your Profitability
How We Make it Happen
HarmoneyPOP connects Buyers and Suppliers through a unified self-service platform automating the entire payables process for both parties.
The Buyer’s finance team has everything it needs to orchestrate payments and unlock working capital automatically, and
at no cost.
We Bring Harmoney.
Everything after the invoice is no longer the “Buyer’s Burden”.
All the hassles and costs of managing payments, settlements, and reconciliation are eliminated.
We Make
Everything Easier.
HarmoneyPOP enables fast and easy payments via ACH, Check, and Virtual MasterCard (vCard).
All payments made by vCard access trade credit unlocking profound liquidity benefits for both Buyer and Supplier.
We Turn AP Into
Working Capital.
All payments made to Suppliers via vCard are paid immediately by HarmoneyPOP’s trade credit facility, regardless of due date!
Buyers preserve their cash flow, only reimbursing HarmoneyPOP 30, 60, or 90 days later.
If reimbursement happens within 30 days of the invoice’s original due date, there’s zero interest.
So You Can Profit From
Every Payment.
Supplier Invoices
Paid Instantly
1
Buyer Reimburses HarmoneyPOP
2
0% Interest if
Paid in 30 Days
3
Only 2.5%
Interest After
4
What Could You Do with
30 to 90 Days of
Free Working Capital?
Supply Chain Finance • Trade Credit
Powerful financial tools, out of reach
until now!
These tools have long helped enterprises optimize cash flow, unlock liquidity, and boost profitability. But here’s the irony...
1
The companies that benefit most are the ones that need it the least. Massive enterprises with the capital and infrastructure to make it possible.
The companies that benefit most are the ones that need it the least. Massive enterprises with the capital and infrastructure to make it possible.
2
Meanwhile, the businesses that need it most have been left behind.
3
Now, any business can unlock the same liquidity and working capital advantages that Fortune 500 companies have relied on for decades.
82% of Businesses Fail Due to
PoorCash Flow or Liquidity
— Quickbooks / Intuit & Business Insider
Changes Everything
We’ve automated & democratized trade finance and working capital,
making it simple, accessible, and
impactful for the first time.
No Complexity
Just More Capital
Just More Capital
No Monthly Fees
No Complexity
It Starts with Your Payments and
Ends with Your Profitability
How We Make it Happen
HarmoneyPOP connects Buyers and Suppliers through a unified self-service platform automating the entire payables process for both parties.
The Buyer’s finance team has everything it needs to orchestrate payments and unlock working capital automatically, and
at no cost.
We Bring Harmoney.
Everything after the invoice is no longer the “Buyer’s Burden”.
All the hassles and costs of managing payments, settlements, and reconciliation are eliminated.
We Make
Everything Easier.
HarmoneyPOP enables fast and easy payments via ACH, Check, and Virtual MasterCard (vCard).
All payments made by vCard access trade credit unlocking profound liquidity benefits for both Buyer and Supplier.
We Turn AP Into
Working Capital.
All payments made to Suppliers via vCard are paid immediately by HarmoneyPOP’s trade credit facility, regardless of due date!
Buyers preserve their cash flow, only reimbursing HarmoneyPOP 30, 60, or 90 days later.
If reimbursement happens within 30 days of the invoice’s original due date, there’s zero interest.
So You Can Profit From
Every Payment.
Supplier Invoices
Paid Instantly
1
Buyer Reimburses HarmoneyPOP
2
0% Interest if
Paid in 30 Days
3
Only 2.5%
Interest After
4
What Could You Do with 30 to 90 Days of
Free Working Capital?
Supply Chain Finance • Trade Credit
Powerful financial tools, out of reach until now!
These tools have long helped enterprises optimize cash flow, unlock liquidity, and boost profitability. But here’s the irony...
1
The companies that benefit most are the ones that need it the least. Massive enterprises with the capital and infrastructure to make it possible.
The companies that benefit most are the ones that need it the least. Massive enterprises with the capital and infrastructure to make it possible.
2
Meanwhile, the businesses that need it most have been left behind.
3
Now, any business can unlock the same liquidity and working capital advantages that Fortune 500 companies have relied on for decades.
82% of Businesses Fail Due to
PoorCash Flow or Liquidity
— Quickbooks / Intuit & Business Insider
Changes Everything
We’ve automated & democratized trade finance and working capital,
making it simple, accessible, and impactful for the first time.
No Complexity
Just More Capital
Just More Capital
No Monthly Fees
No Complexity
It Starts with Your Payments and
Ends with Your Profitability
How We Make it Happen
HarmoneyPOP connects Buyers and Suppliers through a unified self-service platform automating the entire payables process for both parties.
The Buyer’s finance team has everything it needs to orchestrate payments and unlock working capital automatically, and at no cost.
We Bring Harmoney.
Everything after the invoice is no longer the “Buyer’s Burden”.
All the hassles and costs of managing payments, settlements, and reconciliation are eliminated.
We Make Everything Easier.
HarmoneyPOP enables fast and easy payments via ACH, Check, and Virtual MasterCard (vCard).
All payments made by vCard access trade credit unlocking profound liquidity benefits for both Buyer and Supplier.
We Turn AP Into
Working Capital.
All payments made to Suppliers via vCard are paid immediately by HarmoneyPOP’s trade credit facility, regardless of due date!
Buyers preserve their cash flow, only reimbursing HarmoneyPOP 30, 60, or 90 days later.
If reimbursement happens within 30 days of the invoice’s original due date, there’s zero interest.
So You Can Profit From
Every Payment.
Supplier Invoices
Paid Instantly
1
Buyer Reimburses HarmoneyPOP
2
0% Interest if
Paid in 30 Days
3
Only 2.5%
Interest After
4
What Could You Do with
30 to 90 Days of
Free Working Capital?
Supply Chain Finance • Trade Credit Powerful financial tools, out of reach
until now!
These tools have long helped enterprises optimize cash flow, unlock liquidity, and boost profitability. But here’s the irony...
1
The companies that benefit most are the ones that need it the least. Massive enterprises with the capital and infrastructure to make it possible.
The companies that benefit most are the ones that need it the least. Massive enterprises with the capital and infrastructure to make it possible.
2
Meanwhile, the businesses that need it most have been left behind.
3
Now, any business can unlock the same liquidity and working capital advantages that Fortune 500 companies have relied on for decades.
82% of Businesses Fail Due to
PoorCash Flow or Liquidity
— Quickbooks / Intuit & Business Insider
Changes Everything
We’ve automated & democratized trade finance and working capital,
making it simple, accessible, and
impactful for the first time.
No Complexity
Just More Capital
Just More Capital
No Monthly Fees
No Complexity
It Starts with Your Payments and
Ends with Your Profitability
How We Make it Happen
HarmoneyPOP connects Buyers and Suppliers through a unified self-service platform automating the entire payables process for both parties.
The Buyer’s finance team has everything it needs to orchestrate payments and unlock working capital automatically, and
at no cost.
We Bring Harmoney.
Everything after the invoice is no longer the “Buyer’s Burden”.
All the hassles and costs of managing payments, settlements, and reconciliation are eliminated.
We Make
Everything Easier.
HarmoneyPOP enables fast and easy payments via ACH, Check, and Virtual MasterCard (vCard).
All payments made by vCard access trade credit unlocking profound liquidity benefits for both Buyer and Supplier.
We Turn AP Into
Working Capital.
All payments made to Suppliers via vCard are paid immediately by HarmoneyPOP’s trade credit facility, regardless of due date!
Buyers preserve their cash flow, only reimbursing HarmoneyPOP 30, 60, or 90 days later.
If reimbursement happens within 30 days of the invoice’s original due date, there’s zero interest.
So You Can Profit From Every Payment.
Supplier Invoices
Paid Instantly
1
Buyer Reimburses HarmoneyPOP
2
0% Interest if
Paid in 30 Days
3
Only 2.5%
Interest After
4
With HarmoneyPOP,
Everyone Wins.
For Buyers
Increased Liquidity & Profitability
01.
Zero Costs to Use
+
• HPOP is FREE unlike other payment platforms.
• No per-seat pricing, minimums, or surprise transaction fees.
• Predictable and transparent pricing forever.
02.
Fast, No-Code & Lo-Code Deployments
+
• HPOP is FREE unlike other payment platforms.
• No per-seat pricing, minimums, or surprise transaction fees.
• Predictable and transparent pricing forever.
03.
Improve Cash Flow & Working Capital
+
• HPOP is FREE unlike other payment platforms.
• No per-seat pricing, minimums, or surprise transaction fees.
• Predictable and transparent pricing forever.
04.
Strengthen Supplier Relationships
+
• HPOP is FREE unlike other payment platforms.
• No per-seat pricing, minimums, or surprise transaction fees.
• Predictable and transparent pricing forever.
05.
Avoids Expensive Factoring & 3rd Party Financing
+
• HPOP is FREE unlike other payment platforms.
• No per-seat pricing, minimums, or surprise transaction fees.
• Predictable and transparent pricing forever.
06.
Cut Costs Across the Board
+
• HPOP is FREE unlike other payment platforms.
• No per-seat pricing, minimums, or surprise transaction fees.
• Predictable and transparent pricing forever.
07.
Plugs Into Your Existing Stack
+
• HPOP is FREE unlike other payment platforms.
• No per-seat pricing, minimums, or surprise transaction fees.
• Predictable and transparent pricing forever.
08.
Minimize Risk & Ensure Compliance
+
• HPOP is FREE unlike other payment platforms.
• No per-seat pricing, minimums, or surprise transaction fees.
• Predictable and transparent pricing forever.
09.
End-to-End AP Automation
+
• HPOP is FREE unlike other payment platforms.
• No per-seat pricing, minimums, or surprise transaction fees.
• Predictable and transparent pricing forever.
For Suppliers
Increased Liquidity & Decreased Risk
01.
Accelerated Cash Flow
+
• HPOP is FREE unlike other payment platforms.
• No per-seat pricing, minimums, or surprise transaction fees.
• Predictable and transparent pricing forever.
02.
Payment Certainty
+
• HPOP is FREE unlike other payment platforms.
• No per-seat pricing, minimums, or surprise transaction fees.
• Predictable and transparent pricing forever.
03.
Early Payment Without The Pain
+
• HPOP is FREE unlike other payment platforms.
• No per-seat pricing, minimums, or surprise transaction fees.
• Predictable and transparent pricing forever.
04.
Avoids Factoring or Merchant Advances
+
• HPOP is FREE unlike other payment platforms.
• No per-seat pricing, minimums, or surprise transaction fees.
• Predictable and transparent pricing forever.
05.
No Credit Checks or Personal Guarantees
+
• HPOP is FREE unlike other payment platforms.
• No per-seat pricing, minimums, or surprise transaction fees.
• Predictable and transparent pricing forever.
06.
Fair & Inclusive Access to Capital
+
• HPOP is FREE unlike other payment platforms.
• No per-seat pricing, minimums, or surprise transaction fees.
• Predictable and transparent pricing forever.
07.
No New Systems
+
• HPOP is FREE unlike other payment platforms.
• No per-seat pricing, minimums, or surprise transaction fees.
• Predictable and transparent pricing forever.
08.
Self-Service Simplicity.
+
• HPOP is FREE unlike other payment platforms.
• No per-seat pricing, minimums, or surprise transaction fees.
• Predictable and transparent pricing forever.
09.
No Fees or Fine Print
+
• HPOP is FREE unlike other payment platforms.
• No per-seat pricing, minimums, or surprise transaction fees.
• Predictable and transparent pricing forever.
Real Results
Measured in Weeks, Not Quarters.
With rapid time-to-value and no-code implementation options, HarmoneyPOP delivers
financial and operational value in weeks, not quarters.
in capital unlocked
in the first 60 days
$2M+
vendor participation
in vCard
73%+
improvement across
high-volume payor
7-Day PDO
Stop processing payments and start
Orchestrating Results With HarmoneyPOP
With HarmoneyPOP,
Everyone Wins.
For Buyers
Increased Liquidity & Profitability
01.
Zero Costs to Use
+
HPOP is FREE unlike other payment platforms.
No per-seat pricing, minimums, or surprise transaction fees.
Predictable and transparent pricing forever.
02.
Fast, No-Code & Lo-Code Deployments
+
Getting started is as easy as “drag and drop”.
No IT means no hassle.
Launch without IT support or custom development.
Skip the red tape and long procurement cycles.
03.
Improve Cash Flow & Working Capital
+
Free up capital to reinvest in growth or operations.
Pay suppliers later while HarmoneyPOP pays them now.
Interest-free financing. 30 day float with zero interest.
04.
Strengthen Supplier Relationships
+
Offer early payment options with no impact to your cash flow.
Increase supplier loyalty and health with immediate payments.
Improve Days Payable Outstanding (DPO) without sacrifice.
Supports small & diverse suppliers improving their liquidity at no cost to you.
05.
Avoids Expensive Factoring & 3rd Party Financing
+
Supply chain finance and factoring is expensive and time consuming.
No more third-party financing products like cash advances and revolvers with predatory terms.
06.
Cut Costs Across the Board
+
Replace outdated, manual processes with digital efficiency and reduce workload for AP teams.
Supplier self service means no more being chased down by AR teams.
Cash advances, credit lines and revolvers from your bank often have predatory terms and are very labor intensive.
07.
Plugs Into Your Existing Stack
+
Seamlessly Integrates into your existing ERP and procurement systems.
Keep Your Existing Processes.
HPOP adapts to you, not the other way around.
08.
Minimize Risk & Ensure Compliance
+
Secure & compliant by design. Built-in controls and audit trails with full traceability.
Reduce fraud & error via automation and visibility at every step.
09.
End-to-End AP Automation
+
One platform for everything: approvals, payments, reconciliation, settlement, and reporting.
Eliminate manual back-office tasks and reduce workload for AP teams.
Meet compliance standards effortlessly with full audit trail and centralized controls.
For Suppliers
Increased Liquidity & Decreased Risk
01.
Accelerated Cash Flow
+
Invoices paid immediately, regardless of buyer’s payment terms.
Improved liquidity enables smarter cash planning, reinvestment, and business growth.
Reduces reliance on lines of credit or credit cards—freeing up borrowing capacity for other strategic needs.
Less capital tied up in AR improving balance sheet efficiency.
02.
Payment Certainty
+
No more waiting, chasing, or guessing.
Removes uncertainty, risk and dependency on buyer’s cash flow.
Eliminates burden of collections or costly litigation.
03.
Early Payment Without The Pain
+
Get paid early without offering steep discounts.
Protects margins while improving liquidity.
04.
Avoids Factoring or Merchant Advances
+
A modern, non-predatory alternative to factoring or high-fee merchant cash advances.
No hidden fees, no loss of invoice control, no aggressive repayment.
05.
No Credit Checks or Personal Guarantees
+
Funding is tied to supplier invoices, not credit score, or financial history.
06.
Fair & Inclusive Access to Capital
+
Empowers all suppliers, including small, underbanked, or minority, and women-owned businesses to unlock access to working capital.
07.
No New Systems
+
Suppliers continue invoicing as usual, no new software or workflow changes required.
Easily integrates into your ERP or just “drag and drop” to synchronize accounting software.
08.
Self-Service Simplicity.
+
No need to chase AP teams—ever again.
Track invoice and payment status in real time.
Automated matching, settlement, and reconciliation removes manual work.
09.
No Fees or Fine Print
+
No surprise fees, hidden interest, or opaque terms—suppliers know exactly what to expect.
Real Results
Measured in Weeks, Not Quarters.
With rapid time-to-value and no-code implementation options, HarmoneyPOP delivers financial and operational value in weeks, not quarters.
in capital unlocked
in the first 60 days
$2M+
vendor participation
in vCard
73%+
improvement across
high-volume payor
7-Day PDO
Stop processing payments and start
Orchestrating Results With HarmoneyPOP
With HarmoneyPOP,
Everyone Wins.
For Buyers
Increased Liquidity & Profitability
01.
Zero Costs to Use
+
HPOP is FREE unlike other payment platforms.
No per-seat pricing, minimums, or surprise transaction fees.
Predictable and transparent pricing forever.
02.
Fast, No-Code & Lo-Code Deployments
+
Getting started is as easy as “drag and drop”.
No IT means no hassle.
Launch without IT support or custom development.
Skip the red tape and long procurement cycles.
03.
Improve Cash Flow & Working Capital
+
Free up capital to reinvest in growth or operations.
Pay suppliers later while HarmoneyPOP pays them now.
Interest-free financing. 30 day float with zero interest.
04.
Strengthen Supplier Relationships
+
Offer early payment options with no impact to your cash flow.
Increase supplier loyalty and health with immediate payments.
Improve Days Payable Outstanding (DPO) without sacrifice.
Supports small & diverse suppliers improving their liquidity at no cost to you.
05.
Avoids Expensive Factoring & 3rd Party Financing
+
Supply chain finance and factoring is expensive and time consuming.
No more third-party financing products like cash advances and revolvers with predatory terms.
06.
Cut Costs Across the Board
+
Replace outdated, manual processes with digital efficiency and reduce workload for AP teams.
Supplier self service means no more being chased down by AR teams.
Cash advances, credit lines and revolvers from your bank often have predatory terms and are very labor intensive.
07.
Plugs Into Your Existing Stack
+
Seamlessly Integrates into your existing ERP and procurement systems.
Keep Your Existing Processes.
HPOP adapts to you, not the other way around.
08.
Minimize Risk & Ensure Compliance
+
Secure & compliant by design. Built-in controls and audit trails with full traceability.
Reduce fraud & error via automation and visibility at every step.
09.
End-to-End AP Automation
+
One platform for everything: approvals, payments, reconciliation, settlement, and reporting.
Eliminate manual back-office tasks and reduce workload for AP teams.
Meet compliance standards effortlessly with full audit trail and centralized controls.
For Suppliers
Increased Liquidity & Decreased Risk
01.
Accelerated Cash Flow
+
Invoices paid immediately, regardless of buyer’s payment terms.
Improved liquidity enables smarter cash planning, reinvestment, and business growth.
Reduces reliance on lines of credit or credit cards—freeing up borrowing capacity for other strategic needs.
Less capital tied up in AR improving balance sheet efficiency.
02.
Payment Certainty
+
No more waiting, chasing, or guessing.
Removes uncertainty, risk and dependency on buyer’s cash flow.
Eliminates burden of collections or costly litigation.
03.
Early Payment Without The Pain
+
Get paid early without offering steep discounts.
Protects margins while improving liquidity.
04.
Avoids Factoring or Merchant Advances
+
A modern, non-predatory alternative to factoring or high-fee merchant cash advances.
No hidden fees, no loss of invoice control, no aggressive repayment.
05.
No Credit Checks or Personal Guarantees
+
Funding is tied to supplier invoices, not credit score, or financial history.
06.
Fair & Inclusive Access to Capital
+
Empowers all suppliers, including small, underbanked, or minority, and women-owned businesses to unlock access to working capital.
07.
No New Systems
+
Suppliers continue invoicing as usual, no new software or workflow changes required.
Easily integrates into your ERP or just “drag and drop” to synchronize accounting software.
08.
Self-Service Simplicity.
+
No need to chase AP teams—ever again.
Track invoice and payment status in real time.
Automated matching, settlement, and reconciliation removes manual work.
09.
No Fees or Fine Print
+
No surprise fees, hidden interest, or opaque terms—suppliers know exactly what to expect.
Real Results
Measured in Weeks, Not Quarters.
With rapid time-to-value and no-code implementation options, HarmoneyPOP delivers financial and operational value in weeks, not quarters.
in capital unlocked
in the first 60 days
$2M+
vendor participation
in vCard
73%+
improvement across
high-volume payor
7-Day PDO
Stop processing payments and start
Orchestrating Results With HarmoneyPOP
With HarmoneyPOP,
Everyone Wins.
For Buyers
Increased Liquidity & Profitability
01.
Zero Costs to Use
+
• HPOP is FREE unlike other payment platforms.
• No per-seat pricing, minimums, or surprise transaction fees.
• Predictable and transparent pricing forever.
02.
Fast, No-Code & Lo-Code Deployments
+
• HPOP is FREE unlike other payment platforms.
• No per-seat pricing, minimums, or surprise transaction fees.
• Predictable and transparent pricing forever.
03.
Improve Cash Flow & Working Capital
+
• HPOP is FREE unlike other payment platforms.
• No per-seat pricing, minimums, or surprise transaction fees.
• Predictable and transparent pricing forever.
04.
Strengthen Supplier Relationships
+
• HPOP is FREE unlike other payment platforms.
• No per-seat pricing, minimums, or surprise transaction fees.
• Predictable and transparent pricing forever.
05.
Avoids Expensive Factoring & 3rd Party Financing
+
• HPOP is FREE unlike other payment platforms.
• No per-seat pricing, minimums, or surprise transaction fees.
• Predictable and transparent pricing forever.
06.
Cut Costs Across the Board
+
• HPOP is FREE unlike other payment platforms.
• No per-seat pricing, minimums, or surprise transaction fees.
• Predictable and transparent pricing forever.
07.
Plugs Into Your Existing Stack
+
• HPOP is FREE unlike other payment platforms.
• No per-seat pricing, minimums, or surprise transaction fees.
• Predictable and transparent pricing forever.
08.
Minimize Risk & Ensure Compliance
+
• HPOP is FREE unlike other payment platforms.
• No per-seat pricing, minimums, or surprise transaction fees.
• Predictable and transparent pricing forever.
09.
End-to-End AP Automation
+
• HPOP is FREE unlike other payment platforms.
• No per-seat pricing, minimums, or surprise transaction fees.
• Predictable and transparent pricing forever.
For Suppliers
Increased Liquidity & Decreased Risk
01.
Accelerated Cash Flow
+
• HPOP is FREE unlike other payment platforms.
• No per-seat pricing, minimums, or surprise transaction fees.
• Predictable and transparent pricing forever.
02.
Payment Certainty
+
• HPOP is FREE unlike other payment platforms.
• No per-seat pricing, minimums, or surprise transaction fees.
• Predictable and transparent pricing forever.
03.
Early Payment Without The Pain
+
• HPOP is FREE unlike other payment platforms.
• No per-seat pricing, minimums, or surprise transaction fees.
• Predictable and transparent pricing forever.
04.
Avoids Factoring or Merchant Advances
+
• HPOP is FREE unlike other payment platforms.
• No per-seat pricing, minimums, or surprise transaction fees.
• Predictable and transparent pricing forever.
05.
No Credit Checks or Personal Guarantees
+
• HPOP is FREE unlike other payment platforms.
• No per-seat pricing, minimums, or surprise transaction fees.
• Predictable and transparent pricing forever.
06.
Fair & Inclusive Access to Capital
+
• HPOP is FREE unlike other payment platforms.
• No per-seat pricing, minimums, or surprise transaction fees.
• Predictable and transparent pricing forever.
07.
No New Systems
+
• HPOP is FREE unlike other payment platforms.
• No per-seat pricing, minimums, or surprise transaction fees.
• Predictable and transparent pricing forever.
08.
Self-Service Simplicity.
+
• HPOP is FREE unlike other payment platforms.
• No per-seat pricing, minimums, or surprise transaction fees.
• Predictable and transparent pricing forever.
09.
No Fees or Fine Print
+
• HPOP is FREE unlike other payment platforms.
• No per-seat pricing, minimums, or surprise transaction fees.
• Predictable and transparent pricing forever.
Real Results
Measured in Weeks, Not Quarters.
With rapid time-to-value and no-code implementation options, HarmoneyPOP delivers financial and operational value in weeks, not quarters.
in capital unlocked
in the first 60 days
$2M+
vendor participation
in vCard
73%+
improvement across
high-volume payor
7-Day PDO
Stop processing payments and start
Orchestrating Results With HarmoneyPOP
With HarmoneyPOP,
Everyone Wins.
For Buyers
Increased Liquidity & Profitability
01.
Zero Costs to Use
+
HPOP is FREE unlike other payment platforms.
No per-seat pricing, minimums, or surprise transaction fees.
Predictable and transparent pricing forever.
02.
Fast, No-Code & Lo-Code Deployments
+
Getting started is as easy as “drag and drop”.
No IT means no hassle.
Launch without IT support or custom development.
Skip the red tape and long procurement cycles.
03.
Improve Cash Flow & Working Capital
+
Free up capital to reinvest in growth or operations.
Pay suppliers later while HarmoneyPOP pays them now.
Interest-free financing. 30 day float with zero interest.
04.
Strengthen Supplier Relationships
+
Offer early payment options with no impact to your cash flow.
Increase supplier loyalty and health with immediate payments.
Improve Days Payable Outstanding (DPO) without sacrifice.
Supports small & diverse suppliers improving their liquidity at no cost to you.
05.
Avoids Expensive Factoring & 3rd Party Financing
+
Supply chain finance and factoring is expensive and time consuming.
No more third-party financing products like cash advances and revolvers with predatory terms.
06.
Cut Costs Across the Board
+
Replace outdated, manual processes with digital efficiency and reduce workload for AP teams.
Supplier self service means no more being chased down by AR teams.
Cash advances, credit lines and revolvers from your bank often have predatory terms and are very labor intensive.
07.
Plugs Into Your Existing Stack
+
Seamlessly Integrates into your existing ERP and procurement systems.
Keep Your Existing Processes.
HPOP adapts to you, not the other way around.
08.
Minimize Risk & Ensure Compliance
+
Secure & compliant by design. Built-in controls and audit trails with full traceability.
Reduce fraud & error via automation and visibility at every step.
09.
End-to-End AP Automation
+
One platform for everything: approvals, payments, reconciliation, settlement, and reporting.
Eliminate manual back-office tasks and reduce workload for AP teams.
Meet compliance standards effortlessly with full audit trail and centralized controls.
For Suppliers
Increased Liquidity & Decreased Risk
01.
Accelerated Cash Flow
+
Invoices paid immediately, regardless of buyer’s payment terms.
Improved liquidity enables smarter cash planning, reinvestment, and business growth.
Reduces reliance on lines of credit or credit cards—freeing up borrowing capacity for other strategic needs.
Less capital tied up in AR improving balance sheet efficiency.
02.
Payment Certainty
+
No more waiting, chasing, or guessing.
Removes uncertainty, risk and dependency on buyer’s cash flow.
Eliminates burden of collections or costly litigation.
03.
Early Payment Without The Pain
+
Get paid early without offering steep discounts.
Protects margins while improving liquidity.
04.
Avoids Factoring or Merchant Advances
+
A modern, non-predatory alternative to factoring or high-fee merchant cash advances.
No hidden fees, no loss of invoice control, no aggressive repayment.
05.
No Credit Checks or Personal Guarantees
+
Funding is tied to supplier invoices, not credit score, or financial history.
06.
Fair & Inclusive Access to Capital
+
Empowers all suppliers, including small, underbanked, or minority, and women-owned businesses to unlock access to working capital.
07.
No New Systems
+
Suppliers continue invoicing as usual, no new software or workflow changes required.
Easily integrates into your ERP or just “drag and drop” to synchronize accounting software.
08.
Self-Service Simplicity.
+
No need to chase AP teams—ever again.
Track invoice and payment status in real time.
Automated matching, settlement, and reconciliation removes manual work.
09.
No Fees or Fine Print
+
No surprise fees, hidden interest, or opaque terms—suppliers know exactly what to expect.
Real Results
Measured in Weeks, Not Quarters.
With rapid time-to-value and no-code implementation options, HarmoneyPOP delivers financial and operational value in weeks, not quarters.
in capital unlocked
in the first 60 days
$2M+
vendor participation
in vCard
73%+
improvement across
high-volume payor
7-Day PDO
Stop processing payments and start
Orchestrating Results With HarmoneyPOP