PayMate

PayMate is a B2B payments provider offering a cloud-based platform that streamlines enterprise and SME payments and cash flow across supply chains. The system supports procure-to-pay automation, credit evaluation, and a discount marketplace, with APIs for seamless integration into existing ERP and accounting systems to enable end-to-end reconciliation and greater transparency. It moves traditional cash, cheque, and EFT flows toward card-based transactions, leveraging partnerships with Visa commercial card-issuing banks to extend credit for both payables and receivables and to improve working capital. The platform is designed for enterprise and SME users across closed-loop supply chains and is accessible across form factors. PayMate operates in India and the UAE, with expansion into broader regions in CEMEA. In India, it offers a wireless payments approach, including SMS-based payments that use mobile devices as payment rails and connect banks, merchants, and customers to automate AP, AR, invoicing, and cash flow management.