Replace percentage fees with flat-fee ACH invoicing for SMBs

Replace percentage fees with flat-fee ACH invoicing for SMBs targets a $2.4B = 4,000,000 SMBs that send invoices × $600 annual spend on payment and invoicing services total addressable market with medium saturation and a year-over-year growth rate of 8% YoY growth in B2B payments and automated invoicing adoption (estimate based on industry reports from McKinsey and industry analysis of B2B fintech adoption).

Key trends driving demand: ACH modernization and faster bank-to-bank rails are increasing acceptance of bank transfers for B2B invoicing — this reduces reliance on card rails and creates an opening for alternative pricing.; SMBs are increasingly focused on cost predictability and transparency in vendor pricing — simple flat-fee pricing is a competitive differentiator.; Accounting and bookkeeping automation growth increases demand for integrated invoicing/payment products that reduce manual reconciliation.; API-first banking and open banking initiatives lower the integration cost for new payment providers to offer reliable ACH collection and bank verification..