What payment rails do you support?

Virtual card (issued in partnership with American Express), ACH and check. Interopay routes each payment to the optimal rail per vendor.

Which card networks do you integrate with?

Amex-backed virtual card issuance, plus integrations with Dash.FI, Corpay, WEX and Payclearly so we can route each vendor to the network they already accept.

How long does onboarding take?

Most customers are paying live vendors within 2–3 weeks. We handle vendor enablement so you don't have to chase suppliers.

Rebate is earned only on payments made via virtual card — ACH and check don't generate rebate. Interopay's vendor enablement work focuses on shifting as much eligible spend as possible to card, then reports rebate per vendor, category and business unit.

How is Interopay secured?

Bank-grade encryption in transit and at rest, SOC 2 aligned controls, segregation of duties, and 24/7 fraud monitoring on every card and payment.

How does pricing work?

Interopay is typically net-positive: rebate revenue offsets platform fees. We'll model the exact economics for your AP spend during the demo.

B2B Payments Platform for the Mid-Market

Pay every vendor. Earn on every card swipe.

Interopay is the AP automation and B2B payments platform for the mid-market. Pay any vendor by virtual card, ACH or check — and earn rebate on every dollar paid by virtual card.

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Live in 24 hours
ACH, check or virtual card
Rebate on card spend

interopay · payment run

This week

$482,310.00

+$5,420 rebate

Acme Auto Parts

Invoice approved · Today

Virtual card$32,400

Coastal Construction Supply

Invoice approved · Today

ACH$71,820

Bayview Linens Co.

Invoice approved · Today

Virtual card$8,940

MedSource Distribution

Invoice approved · Today

Check$54,210

Northbound Freight

Invoice approved · Today

Virtual card$12,675

Run payments

Approve →

Integrated with the card networks your business chooses to leverage

The platform

One platform. Every payable. A new revenue line.

Automate AP

Invoice intake, coding and approvals on one timeline — synced to your accounting system.

Pay any vendor, any way

Virtual card, ACH or check. Interopay picks the best rail per supplier.

Earn rebates

Interopay empowers customers to pay suppliers by the card of their choosing.

How it works

From invoice to rebate in four steps.

Connect your accounting

Two-click sync with QuickBooks, NetSuite, Sage Intacct or your stack.

Approve invoices

Routing rules, controls, and mobile approvals.

Pay on the best rail

Virtual card first — fall back to ACH or check.

Earn & reconcile

Rebate posted on card payments, every transaction auto-coded back to your GL.

Built for operators

Tuned for the way your industry pays.

All industries

Dealerships

Pain · Floorplan, parts and service vendors paid across dozens of one-off invoices.

With Interopay · Consolidated payments, with rebate captured on every parts vendor we move to virtual card.

See solution

Construction

Pain · Subcontractor and supplier payments tangled with lien waivers and approvals.

With Interopay · Approval workflows, rail choice per vendor, full audit trail.

See solution

Hospitality

Pain · F&B, linens and maintenance suppliers paid weekly across properties.

With Interopay · Property-level controls and rebate revenue on recurring spend moved to virtual card.

See solution

Healthcare

Pain · Medical supply, equipment and service vendors with strict reconciliation needs.

With Interopay · HIPAA-aware controls and clean GL coding back into your accounting system.

See solution

Manufacturing

Pain · Raw materials, freight and MRO spend across many vendors and currencies.

With Interopay · Pay any vendor on the best rail, monetize spend you already make.

See solution

Virtual cards

A virtual card program built for AP

Issue the right card for every payment — single-use, multi-use or reloadable — with tokenized delivery and full authorization and settlement detail.

Single-use and vendor-locked numbers
Multi-use
Reloadable
Tokenized for secure delivery
Full authorization and settlement detail

Interopay · Secure Card Access

SSL Secured

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Payment to Acme Auto Parts

$32,400.00

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Card integrations

Plugs into the card networks that move B2B spend

Issue and accept across the programs your vendors already take — Amex-backed virtual cards plus deep ties into Dash.FI, Corpay, WEX and Payclearly to maximize acceptance and rebate.

Multi-network virtual card issuance
Vendor-matched routing for best acceptance
Unified rebate reporting across networks

American Express

Dash.FI

Corpay

WEX

Payclearly

+ more

Controls

Approval workflows your controller will actually trust

Multi-step approvals, segregation of duties, exception routing, and a full immutable audit trail on every payment.

Role-based limits
Duplicate & fraud screening
SOC 2 aligned controls

Submitted✓

Manager approved✓

Controller approved✓

Paid · virtual card✓

70%

faster invoice-to-pay cycles

card networks integrated out of the box

24/7

fraud monitoring on every card

“We replaced three tools, sped up our payment runs, and Interopay quietly turned our AP team into a profit center.”

VP of Finance · Mid-market dealership group

Security & trust

Built like the bank rails it sits on.

SOC 2 aligned controls

Audit-ready posture across people, process and platform.

Bank-grade encryption

Encryption in transit and at rest on every transaction.

Tokenized virtual cards

Single-use card numbers with set limits, so account details are never exposed.

FAQ

Questions, answered.

What payment rails do you support?: Virtual card (issued in partnership with American Express), ACH and check. Interopay routes each payment to the optimal rail per vendor.
Which card networks do you integrate with?: Amex-backed virtual card issuance, plus integrations with Dash.FI, Corpay, WEX and Payclearly so we can route each vendor to the network they already accept.
How long does onboarding take?: Most customers are paying live vendors within 2–3 weeks. We handle vendor enablement so you don't have to chase suppliers.
How do rebates work?: Rebate is earned only on payments made via virtual card — ACH and check don't generate rebate. Interopay's vendor enablement work focuses on shifting as much eligible spend as possible to card, then reports rebate per vendor, category and business unit.
How is Interopay secured?: Bank-grade encryption in transit and at rest, SOC 2 aligned controls, segregation of duties, and 24/7 fraud monitoring on every card and payment.
How does pricing work?: Interopay is typically net-positive: rebate revenue offsets platform fees. We'll model the exact economics for your AP spend during the demo.

Ready when you are

See Interopay in action.

A 20-minute demo shows exactly how much rebate revenue your AP team is leaving on the table.

Book a demo Customer login