--- title: APPROVE Pay --- [Skip to content](https://www.approvepayments.com/approvepay#main-content) [![APPROVE](https://www.approvepayments.com/hubfs/approve_primary_shadow.svg "APPROVE")](http://approvepayments.com) - [For Sellers](https://www.approvepayments.com/vendors) Show submenu for For Sellers - [Customer Finance Management (CFM)](https://www.approvepayments.com/vendors) - [FinanceMyQuote.ai™](https://www.approvepayments.com/finance-my-quote) - [Partner Marketing Hub](https://www.approvepayments.com/partner-marketing-hub) - [Co-Op Cash Program](https://www.approvepayments.com/co-op-cash-program) - [Documentation](https://docs.approvepayments.com/docs/4.0/approve?_gl=1*12ftoom*_gcl_au*MTE1MjExMzM0NS4xNzQ4NDQ0OTQ5*_ga*MTE3NjE5MDI5MS4xNzMyNzIyMDA3*_ga_PT4RGJ5VHL*czE3NDg1NTcyODckbzUzJGcxJHQxNzQ4NTU4NzA5JGo1OCRsMCRoMA..) - [For Borrowers](https://www.approvepayments.com/borrowers) Show submenu for For Borrowers - [Equipment Financing](https://www.approvepayments.com/equipment-financing) - [Working Capital Loans](https://www.approvepayments.com/working-capital) - [Long-Term SBA Loans](https://www.approvepayments.com/sba-loans) - [Tax Benefits](https://www.approvepayments.com/section-179) - [Frequently Asked Questions](https://www.approvepayments.com/borrowers/faq) - [About](https://www.approvepayments.com/about-us) Show submenu for About - [Partner With Us](https://www.approvepayments.com/partners) - [Success Stories](https://www.approvepayments.com/success-stories) - [Blog](https://www.approvepayments.com/blog-approve) - [Contact](https://www.approvepayments.com/contact-us) - [Login](https://kwipped.com/approve/login) - [For Sellers](https://www.approvepayments.com/vendors) Show submenu for For Sellers - [Customer Finance Management (CFM)](https://www.approvepayments.com/vendors) - [FinanceMyQuote.ai™](https://www.approvepayments.com/finance-my-quote) - [Partner Marketing Hub](https://www.approvepayments.com/partner-marketing-hub) - [Co-Op Cash Program](https://www.approvepayments.com/co-op-cash-program) - [Documentation](https://docs.approvepayments.com/docs/4.0/approve?_gl=1*12ftoom*_gcl_au*MTE1MjExMzM0NS4xNzQ4NDQ0OTQ5*_ga*MTE3NjE5MDI5MS4xNzMyNzIyMDA3*_ga_PT4RGJ5VHL*czE3NDg1NTcyODckbzUzJGcxJHQxNzQ4NTU4NzA5JGo1OCRsMCRoMA..) - [For Borrowers](https://www.approvepayments.com/borrowers) Show submenu for For Borrowers - [Equipment Financing](https://www.approvepayments.com/equipment-financing) - [Working Capital Loans](https://www.approvepayments.com/working-capital) - [Long-Term SBA Loans](https://www.approvepayments.com/sba-loans) - [Tax Benefits](https://www.approvepayments.com/section-179) - [Frequently Asked Questions](https://www.approvepayments.com/borrowers/faq) - [About](https://www.approvepayments.com/about-us) Show submenu for About - [Partner With Us](https://www.approvepayments.com/partners) - [Success Stories](https://www.approvepayments.com/success-stories) - [Blog](https://www.approvepayments.com/blog-approve) - [Contact](https://www.approvepayments.com/contact-us) - [Login](https://kwipped.com/approve/login) - [Sign In](https://www.kwipped.com/login) [Sign up for free](https://www.kwipped.com/approve/signup) ### Effortlessly grow your business with ![Approve Pay\_Internex Logo\_light](https://www.approvepayments.com/hubfs/Approve%20Pay_Internex%20Logo_light.svg "Approve Pay_Internex Logo_light") APPROVE Pay is an innovative new virtual trade credit solution offering B2B manufacturers and distributors the ultimate sales enablement solution for equipment, supplies and consumables, while eliminating much of the costs, risks and hassles of offering Net-30 Terms to customers. *We're looking for a few forward-thinking companies to participate in our pilot program - spaces are limited!* Learn more ![approvepay-hero](https://www.approvepayments.com/hubfs/approvepay-hero.png "approvepay-hero") ![inx-logo](https://www.approvepayments.com/hubfs/inx-logo.svg "inx-logo") APPROVE Pay is fueled by [Internex Capital](https://www.internexcapital.com/), an award-winning provider of credit decisioning and integrated working capital for growing businesses. ## Eliminate trade credit pain points ![No Floating](https://www.approvepayments.com/hs-fs/hubfs/No%20Floating.png?width=150&height=150&name=No%20Floating.png) ### Smarter use of capital Instead of floating your own money, leverage it in more productive ways. ![No Accounts Receivable](https://www.approvepayments.com/hs-fs/hubfs/No%20Accounts%20Receivable.png?width=150&height=150&name=No%20Accounts%20Receivable.png) ### AR hassles gone APPROVE Pay automates and manages your trade credit accounts receivable. ![No Risk](https://www.approvepayments.com/hs-fs/hubfs/No%20Risk.png?width=150&height=150&name=No%20Risk.png) ### Greatly reduced risk You get paid up front. We take on most of the credit risks associated with unpaid debts.  ## Increase customers and sales Trade credit is such a popular B2B payment option it equates to a $5.2 trillion market.\* APPROVE Pay automates, manages and funds the “Buy-Now-Pay-Later” option your business customers demand so you can stay focused on your core business. APPROVE Pay’s underwriting technology and funding resources can help your business to effortlessly: - **Attract and retain more loyal customers** - **Approve more customers for trade credit accounts** - **Grow sales and average ticket sizes by offering larger trade credit amounts** ![Grow Business-1](https://www.approvepayments.com/hs-fs/hubfs/Grow%20Business-1.png?width=700&height=495&name=Grow%20Business-1.png "Grow Business-1") \*Federal Deposit Insurance Corporation, 2022 ### How it works --- ## Step 1 - APPLY Customer applies for Trade Credit on your website plug-in. ![Step 1- Apply](https://www.approvepayments.com/hubfs/Step%201-%20Apply.svg "Step 1- Apply") --- ![Step2 - underwriting](https://www.approvepayments.com/hs-fs/hubfs/Step2%20-%20underwriting.png?width=400&height=203&name=Step2%20-%20underwriting.png "Step2 - underwriting") ## Step 2 - UNDERWRITING APPROVE Pay underwrites the application and issues custom credit amounts with your business. --- ## Step 3 - ORDER Customer places an order on your website and checks out using APPROVE Pay. ![Step3- order](https://www.approvepayments.com/hs-fs/hubfs/Step3-%20order.png?width=400&height=303&name=Step3-%20order.png "Step3- order") --- ![Step 4 Invoice-1](https://www.approvepayments.com/hs-fs/hubfs/Step%204%20Invoice-1.png?width=400&height=236&name=Step%204%20Invoice-1.png "Step 4 Invoice-1") ## Step 4 - INVOICE You create an order invoice and receive funds upfront from APPROVE Pay. --- ## Step 5 - PAYMENT APPROVE Pay collects payment from customer 30 days later by ACH. ![Step5- Payment](https://www.approvepayments.com/hs-fs/hubfs/Step5-%20Payment.png?width=400&height=203&name=Step5-%20Payment.png "Step5- Payment") ## **Interested?** #### Apply today to participate in our APPROVE Pay pilot program - spaces are limited! Apply for the pilot program ## **Ready to get started?** #### Your Virtual Captive Finance program is ready and waiting. Sign Up Now Contact sales ![APPROVE Logo White](https://www.approvepayments.com/hs-fs/hubfs/APPROVE%20Logo%20White.png?width=175&height=43&name=APPROVE%20Logo%20White.png "APPROVE Logo White") COMPANY - [Press](https://www.approvepayments.com/press) - [Blog](https://www.approvepayments.com/blog-approve) - [Press](https://www.approvepayments.com/press) - [Blog](https://www.approvepayments.com/blog-approve) RESOURCES - [Documentation](https://docs.approvepayments.com/docs/4.0/approve) - [API](https://apidocs.approvepayments.com/) - [Terms & Conditions](https://www.approvepayments.com/terms-and-conditions) - [Privacy Policy](https://www.approvepayments.com/privacy-policy) - [Get Started](https://www.kwipped.com/approve/signup) - [Section 179](https://www.approvepayments.com/section-179) - [Documentation](https://docs.approvepayments.com/docs/4.0/approve) - [API](https://apidocs.approvepayments.com/) - [Terms & Conditions](https://www.approvepayments.com/terms-and-conditions) - [Privacy Policy](https://www.approvepayments.com/privacy-policy) - [Get Started](https://www.kwipped.com/approve/signup) - [Section 179](https://www.approvepayments.com/section-179) - (800) 273-8404 - Sales@ApprovePayments.com - 300 N. 3rd St Suite 500 Wilmington, NC 28401 [Follow us on Facebook](https://www.facebook.com/profile.php?id=100076346170098) [Follow us on LinkedIn](https://www.linkedin.com/company/71719006/) [Follow us on Twitter](https://twitter.com/APPROVE_Fintech) [Follow us on Instagram](https://www.instagram.com/approveculture/) © 2026 All rights reserved.