PanteraPay launches billing platform that shifts card fees to customers

PanteraPay launched an all-inclusive billing and payment platform for small businesses on July 12, 2026, aiming to simplify invoicing, speed up payments and eliminate credit card processing fees for business owners. The company says the system lets clients pay by card, ACH, cash or check while businesses receive the full service price.

Why it matters: - Small businesses often lose revenue to credit card processing fees and slow, manual billing workflows. - PanteraPay is designed to help service providers keep 100% of their service price while giving customers more payment options. - The platform also aims to improve cash flow by supporting next-day payments and faster invoice collection.

What happened: - PanteraPay announced an all-inclusive smart billing and payment solution for small businesses on July 12, 2026. - The Evanston, Illinois-based company said the platform combines online and mobile billing with payment processing for service providers. - PanteraPay said businesses can send invoices by email or text and accept payments through the platform.

The details: - The platform includes secure credit card and ACH processing, free setup, unlimited users, invoices, estimates, receipts, recurring billing and cloud storage. - PanteraPay also includes real-time email and SMS notifications, job notes, attachments, a dashboard, live onboarding and unlimited client support. - The company said the platform has no contracts, no cancellation fees and Level 1 PCI-DSS compliance. - Customers can pay by credit card, ACH bank transfer, cash or check from a single invoice. - When a card is used, the fee is shown upfront and passed to the customer, typically 4% to 5%. - ACH payments carry a flat fee of about $2.00, while cash and check payments have no fees. - Mike, PanteraPay’s CFO, said the company believes small businesses should not be penalized for offering card convenience. - PanteraPay is a division of Pantera Software. - The company listed more information and provided sales contact details at Sales@PanteraPay.com and (800) 825-0085.

Between the lines: - The launch targets a pain point that has become more visible as card use stays high and processing costs remain a drag on small operators. - By shifting card fees to customers and emphasizing transparent pricing, PanteraPay is positioning itself as a cash-flow tool as much as a billing product. - The product pitch also reflects a broader push in small-business software toward bundled workflows that combine invoicing, payments, storage and support in one system.

What's next: - PanteraPay appears to be betting that service businesses frustrated with fee-heavy billing systems will adopt the platform for both client payments and back-office simplification. - The company is also likely to lean on live onboarding and unlimited support to drive adoption among smaller operators that want a simple setup.

The bottom line: - PanteraPay is trying to turn billing into a full-margin, customer-choice payment system for small businesses.