CaptainBiz Launches Bill2Pay to Streamline MSME Payments

CaptainBiz, one of India’s fastest-growing Fintech-SaaS platforms for MSMEs, has announced the launch of Bill2Pay, a breakthrough feature that unifies invoice generation, digital payment collection, and real-time cash flow tracking in one seamless invoice-linked payment system.

Invoice-linked payment enables linking every invoice a business generates directly to a unique digital payment link. Instead of sending an invoice and separately asking for bank transfers or UPI, MSMEs can now attach a one-click link with their invoice. Customers can pay instantly via UPI, debit cards, credit cards, net banking, or wallets using these links. Once paid, the system automatically updates the payment status against the correct invoice, with no manual reconciliation, no tracking errors.

Available to all CaptainBiz web users and soon on the mobile apps, Bill2Pay allows small businesses to generate secure, one-click payment links tied directly to each invoice and share them instantly via WhatsApp, email, or SMS, eliminating manual reconciliation and speeding up collections.

Built for the real-world needs of India's 64 million MSMEs, the feature enhances MSME efficiency. With nearly 50% of MSMEs encountering payment delays for over 90 days, this tool serves an urgent need in cash-flow management. This tool empowers MSMEs to enable cheap funding with minimal follow-ups for the business to fasten payments and keep healthier working capital, thereby cementing the need for invoice payments.

"Cash flow delays kill more small businesses than competition ever will," said Yashraj Vakil, CEO of CaptainBiz. "Bill2Pay connects invoice creation to payment collection in one click, giving MSMEs the power to accelerate collections, stay audit-ready, and strengthen their working capital without chasing customers or juggling multiple systems. Bill2Pay moves MSMEs from billing to banking in one seamless journey, making cash flow predictable and growth sustainable."

In India, where MSMEs often operate on extended 30-90-day credit cycles, Bill2Pay is designed to reduce Days Sales Outstanding (DSO), increase GST compliance, enhance readiness, minimize revenue leakage and manual errors, and hence strengthen credit profiles by building a clean, verifiable digital transaction history.

With an in-house nesting of this feature, CaptainBiz strengthens the trust to equip MSMEs with performance-driven tools to integrate invoicing and payments into one seamless flow.