101 Pay –
Simplify SME Payments,
Invoicing, and Financial
Tracking
A clean, easy-to-use platform for SMEs to manage
payments, generate invoices, set reminders, and
stay on top of every transaction with a real-time
financial dashboard.
Why 101 Pay?
101 Pay is a unified, value-added digital finance platform designed for small and medium-sized enterprises. It helps businesses streamline their financial operations by combining billing, invoicing, payments, embedded finance, staff loans and payroll into a single intuitive solution. Banks and fintechs can offer this white-label solution to deliver greater value to their SME customer base.
Built to Power SME
Growth & Simplicity
All-in-One Financial Toolkit
Invoicing, bill tracking, payment reminders, and real-time cash flow management.
Embedded Lending & Credit
Access to working capital, term loans, and invoice financing, all built-in.
Supplier & Inventory
Management
Track inventory levels and supplier records with ease.
Open Banking Integration
Real-time account insights, payment initiation, and reconciliation across multiple bank accounts.
Staff & Payroll Features
Manage staff loans and payroll activities from one platform.
White-Label Flexibility
Easily branded and integrated by banks, with role-based admin portals and analytics.
Designed for
Banks Supporting SME Ecosystems
Banks and financial institutions
offering digital SME services and embedded finance.
Neobanks and challenger banks
seeking to differentiate with real value to business clients.
SME platform providers
needing modular financial infrastructure to serve diverse business types.
Marketplaces and aggregators
who want to embed financial services into multi-merchant ecosystems.
Infrastructure That Enables
SME-Centric Innovation
Modular Architecture
- Build once, deploy to various SME types: sole proprietors, partnerships, and limited companies.
Integration-Ready
- Built-in connectors for core banking, credit scoring (e.g., Experian), tax management, and digital onboarding.
Multi-Segment Distribution
- Deploy via branded apps, partner portals, or embedded in third-party ecosystems.
Smart Analytics & Reporting
- Cash flow analysis, credit usage, loan status, and payment timelines—all in one dashboard.
Deliver Real Value to
SMEs – & Your Institution
Strengthen SME
Relationships
- Offer tools that help SMEs thrive, reducing churn and deepening engagement.
Boost Product
Adoption
- Drive uptake in SME lending, invoice finance, and payment services via embedded workflows.
Gain Data
Insights
- Leverage SME transactional and behavioral data to inform future offerings and cross-sell strategies.
Value-Added
Services
- Unlock new revenue by offering premium features, tiered access, or bundled financial solutions.
Frequently Asked Questions
101 Pay is ideal for micro, small, and mid-sized enterprises across industries such as retail, eCommerce, logistics, and professional services. It’s built to handle diverse financial needs within a single platform.
Yes, 101 Pay is a fully white-label fintech solution. Banks and fintechs can brand and customize the platform for their SME clients, maintaining complete control over the customer experience.
101 Pay includes built-in embedded finance capabilities, offering SMEs access to working capital loans, credit lines, and invoice financing directly from the platform.
Absolutely. 101 Pay is built with a modular SDK that allows smooth integration into existing banking apps, partner portals, or third-party ecosystems
101 Pay includes multi-language and multi-currency support, making it suitable for SMEs operating across global and regional markets.
Yes, 101 Pay meets regulatory requirements with built-in support for KYC, KYB, and financial data protection, ensuring security and compliance in every transaction.
101 Pay provides SME-focused HR features such as staff loan tracking, salary disbursement, and integrated payroll management tools.
The analytics dashboard in 101 Pay delivers real-time visibility into cash flow trends, loan usage, repayment timelines, active invoices, and SME credit health.
Most institutions can go live with 101 Pay in under 12 weeks using its pre-configured workflows and integration-ready modules.
101 Digital offers full implementation support for 101 Pay, including onboarding, training for partner teams, and ongoing post-launch technical assistance.
Bring 101 Pay Today
Empower your business customers.