What are the best solutions for electronic bill presentment and payment?

Electronic bill presentment and payment (EBPP) software helps businesses digitize invoice delivery, accept payments through multiple digital channels, and automate the reconciliation of incoming cash. The best solutions connect directly to your ERP, reduce days sales outstanding (DSO), and eliminate the manual workload that sits between sending an invoice and applying the payment. Below are the leading EBPP platforms in 2026, covering enterprise AR platforms, European payment request tools, and recurring payment specialists.

Manual billing is expensive. Ardent Partners’ State of ePayables research puts the average cost to process a single paper invoice in the US at $13.11, while best-in-class AP departments using automation bring that figure down to around $2.42. Multiply the difference across thousands of invoices a month and the business case for EBPP is straightforward.

The global EBPP market was valued at $13.74 billion in 2023 and is projected to reach $26.61 billion by 2030, growing at a compound annual growth rate of just over 10%, according to research published via ResearchAndMarkets.com. That growth is being driven by the shift away from paper billing, the rise of mobile payments, and the increasing expectation among corporate and consumer customers alike that paying an invoice should be as frictionless as any other digital transaction.

But “EBPP solution” covers a wide spectrum. At one end sit specialized European payment request and recurring billing platforms. At the other sit full enterprise AR automation suites where bill presentment and payment is one component of a broader order-to-cash (O2C) workflow. Picking the right one depends on your geography, your ERP environment, your customer base, and how much of the back-office workflow you need the solution to handle.

What is electronic bill presentment and payment?

Electronic bill presentment and payment (EBPP) is a process that allows organizations to deliver bills or invoices digitally and collect payment through the same or a connected channel. It replaces paper-based billing and manual payment collection.

A complete EBPP workflow covers three stages:

• Presentment: the bill is generated and sent to the customer through a digital channel, typically email, SMS, a customer portal, or a combination of these
• Review: the customer views the bill, raises any queries, and confirms the amount
• Payment: the customer pays through an embedded or linked payment method, ideally without leaving the channel where the bill was presented

The term EBPP is most common in B2C contexts, particularly in utilities, insurance, and financial services. In B2B, the same process is often called EIPP (electronic invoice presentment and payment). The underlying technology is largely the same, but B2B scenarios typically require tighter ERP integration and automated cash application, since invoice volumes are higher and reconciliation is more complex.

Signs you might need a better EBPP solution

1. Your AR team spends significant time manually sending invoices, chasing unpaid bills, and reconciling payments against accounts
2. Customers regularly query bills because they can’t view them online or don’t receive them promptly
3. It takes days or weeks to reconcile incoming payments with open invoices in your ERP
4. You’re operating across multiple countries and need to support local payment methods alongside your main invoicing workflow
5. Your current billing process isn’t connected to your collections workflow, so overdue invoices require separate, manual follow-up
6. You have no real-time visibility into which invoices are outstanding, which customers have viewed their bills, and which payments are in progress

Must-have features for EBPP software in 2026

1. Multi-channel bill delivery. Email, SMS, and portal delivery as standard, with the ability to configure delivery preferences by customer segment.
2. Branded, hosted payment pages. A configurable, secure payment experience in your organization’s own branding, rather than a generic third-party checkout.
3. Automated cash application. When a customer pays, the payment should match automatically to the correct invoice and post to the correct account in your ERP. Without this, EBPP speeds up the front end but leaves the reconciliation workload intact.
4. ERP integration. Native or deep API-based integration with your ERP (SAP, Oracle, Microsoft Dynamics, and others). Ask specifically how payment data flows back to your system of record and how exceptions are handled.
5. Collections workflow connection. What happens when an invoice goes unpaid? The best platforms connect bill presentment to automated dunning, escalation rules, and collections management, so the follow-up process runs without manual intervention.
6. PCI DSS compliance and GDPR readiness. Payment Card Industry Data Security Standard compliance for card payments, and GDPR compliance for customer data in Europe. Verify certifications before selecting a platform.
7. Reporting and real-time visibility. Invoice status, payment progress, and AR performance metrics available in a real-time dashboard, not just end-of-month reports.

Top EBPP solutions to consider in 2026

1. Serrala
2. MailToPay
3. Payt
4. PayByLink
5. Twikey
6. collect.ai
7. CM.com
8. SlimPay
9. Paytweak

1. Serrala

Serrala’s bill presentment and payment solution is built for enterprise organizations, with SAP integration as a core design principle rather than an add-on. It sits inside a complete O2C platform that also covers cash application, collections management, and credit and risk management, so when a customer pays through Serrala’s customer portal or a payment link, that payment is automatically matched to the correct invoice and posted to the correct SAP account.

The customer-facing experience includes a branded, hosted payment page and multi-channel bill delivery across email, portal, and SMS. Serrala supports global enterprises across multiple currencies and markets, and has been advancing the office of the CFO for over 40 years. For finance teams on SAP that want EBPP to genuinely reduce back-office workload rather than just digitize the customer-facing part, the depth of integration with the full AR workflow is the defining advantage.

Serrala’s AR automation solutions are available as cloud or hybrid deployments with multiple ERP integrations, or as SAP-embedded extensions of S/4HANA. It is particularly well suited to large enterprises running SAP that need EBPP tightly integrated with cash application, collections, and the full O2C cycle.

A good example of this in practice is Dutch healthcare insurer ONVZ, which used Serrala’s bill presentment solution to turn every customer communication channel into a payment channel. Payment requests go out by email, through their client portal, and via their mobile app, with each payment automatically updating status across all channels and streamlining cash application in the back office. You can read the full story in the ONVZ success story.

2. MailToPay

MailToPay is a Dutch SaaS platform for automating payment reminders and digital payment requests. It uses machine learning to analyze customer payment behavior and sends personalized reminders via email, SMS, and WhatsApp, each containing a payment link. Its Payment Coach feature lets customers with payment difficulties choose between installment plans, deferrals, or discounts, with all choices handled automatically. Collections workflows run on configurable “if this, then that” rule logic. It is primarily aimed at Dutch and broader European markets.

3. Payt

Payt is a cloud-based AR management platform that claims market leadership in the Benelux, with more than 17,000 daily users. It automates invoice follow-up and payment reminders, offers a customer portal for invoice-level communication, and includes a reconciliation module that matches incoming bank payments to open invoices. Payment options include iDEAL/Wero, PayPal, credit card, direct debit, and Bancontact. It integrates with over 600 accounting packages, supports e-invoicing, and is ISO 27001 certified.

4. PayByLink

PayByLink is a Dutch payment link platform for sending one-off, recurring, or installment payment requests by email, SMS, QR code, or WhatsApp. It supports local methods including iDEAL/Wero and Bancontact alongside international payment methods, and handles SEPA direct debit mandates. Branded templates, configurable link validity periods, and an API for automated invoice workflows are all available, with a real-time dashboard for tracking delivery and payment status.

5. Twikey

Twikey is a Belgian platform specializing in SEPA direct debit mandates and recurring payment collection, connecting to over 3,500 banks. It describes itself as Europe’s only cross-border provider for digital SEPA Core and B2B mandates, as well as UK BACS and AUDDIS mandates, and supports recurring billing via SEPA, credit card, and PayPal alongside invoice payment links. It includes failure management, a fraud detection engine, and API-based ERP integration. Note that iDEAL began transitioning to Wero in early 2026, the pan-European wallet developed by the European Payments Initiative, with full replacement expected by 2027 or 2028.

6. collect.ai

collect.ai is a Hamburg-based SaaS platform for AI-driven receivables management, primarily active in the DACH region across energy, insurance, and financial services. It automates dunning workflows using AI models that determine the optimal channel, timing, and message for each customer communication. Payment options include SEPA, credit cards, PayPal, and Sofortüberweisung, delivered via white-label landing pages. ERP and CRM connectivity is available through an Integration Hub using REST API and enterprise connectors.

7. CM.com

CM.com is a Dutch communications and payments platform that lets organizations send payment requests via SMS, WhatsApp, email, and other messaging channels, with payment completed through a hosted payment page. Its strength is multi-channel messaging infrastructure rather than AR automation, and it does not offer native ERP integration or automated cash application.

8. SlimPay

SlimPay is a Paris-based platform for recurring payment collection via SEPA direct debit and open banking, serving subscription businesses in sectors including media, telecoms, and financial services across the SEPA zone. It covers mandate management, recurring billing, and failure recovery, with open banking support for account verification and real-time payment status.

9. Paytweak

Paytweak is a French fintech offering a universal payment link API connected to 500 banks and payment service providers worldwide. It lets businesses trigger secure payment requests via email, SMS, WhatsApp, and QR codes in over 99 countries, supporting credit card, ACH, SEPA, instant transfer, and direct debit. It holds PCI-DSS 4.0 Level 1 certification and includes an automated invoice follow-up feature and CRM/ERP integration via API.

Which EBPP solution is right for your business?

The answer depends on several factors.

If you’re a large enterprise running SAP and you need EBPP to connect directly to your ERP, automate cash application, and reduce manual reconciliation across a global AR operation, you need a platform built with that integration in mind. Specialist payment request tools handle the customer-facing part of the workflow well, but they were not designed to automate ERP reconciliation or connect to the full O2C cycle.

If you’re a European SME or mid-market organization that primarily needs to automate payment reminders, reduce late payments, and collect via SEPA direct debit or local payment methods, platforms like MailToPay, Payt, Twikey, or collect.ai are purpose-built for exactly that use case, often with simpler implementation and transparent pricing.

If your primary need is sending payment requests via link or QR code across messaging channels, PayByLink, CM.com, and Paytweak all cover this well, with varying degrees of geographic reach and PSP connectivity. Bear in mind the ongoing iDEAL-to-Wero transition when evaluating any solution that relies on iDEAL as its primary payment method.

If you’re evaluating options for your collections workflow alongside EBPP, the Serrala blog on how to boost cash flow with optimized AR collections strategies covers how bill presentment and collections automation connect within a full O2C workflow. And for more on what revenue leakage costs you when billing and AR processes aren’t integrated, how to reduce revenue leakage through better deduction management in AR is worth reading alongside this guide.

How can Serrala’s solutions help automate your billing and payment workflows?

Serrala’s bill presentment and payment solution gives your customers a fast, frictionless way to view and pay invoices, while connecting every payment back to your SAP environment automatically. No manual reconciliation, no separate portal to manage, no gap between the customer-facing experience and your AR data.

Serrala’s customers typically see unapplied cash drop by over 90% and AR workload reduce by 25% or more. For a concrete example of what that looks like in practice, the ONVZ success story shows how a healthcare insurer used Serrala to automate cross-channel payment requests and eliminate back-office exceptions. The solution is available as a standalone module or as part of a complete O2C platform covering cash application, collections, and credit management, deployable in cloud, hybrid, or SAP-embedded configurations.

If you’d like to understand what this could mean for your organization specifically, get in touch with our team to book a demo.

Frequently asked questions

What does EBPP stand for? EBPP stands for electronic bill presentment and payment. It refers to systems that deliver bills digitally and collect payment through the same or a connected channel, replacing paper-based billing and manual payment collection.

What is the difference between EBPP and EIPP? EBPP (electronic bill presentment and payment) is typically used in B2C contexts such as utilities or insurance. EIPP (electronic invoice presentment and payment) refers to the same process applied to B2B transactions. In practice, modern enterprise platforms support both use cases, and the terms are often used interchangeably.

What is the difference between EBPP and a payment link tool? A payment link tool sends customers a link to complete a single payment. EBPP is a broader category that includes bill presentment, payment collection, automated reconciliation, and in more complete systems, collections management and ERP integration. Payment link tools handle one step of the process. EBPP, at the enterprise level, covers the full workflow.

How does EBPP improve cash flow? EBPP shortens payment cycles by making it faster and easier for customers to view and pay bills. Automated reminders reduce late payments. Automated cash application means payments are applied to accounts faster. Together, these reduce days sales outstanding (DSO) and improve working capital visibility.

What is DSO and how does EBPP affect it? DSO (days sales outstanding) measures the average number of days it takes to collect payment after a sale. EBPP reduces DSO by shortening the time between invoice delivery and payment, automating reminders, and reducing friction in the payment process.

What is SEPA direct debit and how does it relate to EBPP? SEPA (Single Euro Payments Area) direct debit is a European payment standard that allows businesses to collect payments directly from customers’ bank accounts by prior agreement. Several platforms in this comparison, including Twikey and SlimPay, specialize in SEPA direct debit mandate management. For European organizations with recurring billing, SEPA direct debit is a cost-effective payment method that integrates naturally into an EBPP workflow.

What is Wero and why does it matter for EBPP in Europe? Wero is a pan-European digital wallet developed by the European Payments Initiative (EPI), backed by 16 major European banks. It is designed to replace national payment methods including iDEAL (Netherlands), Giropay (Germany), and Paylib (France) with a single cross-border solution. iDEAL began transitioning to Wero in early 2026, with full migration expected by 2027. Organizations building EBPP workflows on iDEAL or other legacy European payment methods should factor this transition into their platform decisions.

Which EBPP solution is best for SAP environments? For organizations running SAP, native SAP integration is a critical requirement. Platforms built with SAP as a core design consideration provide tighter data flows, better reconciliation accuracy, and lower implementation complexity than connector-based add-ons. For SAP-centric enterprises that need EBPP as part of an integrated O2C workflow, this depth of integration is the factor that most determines whether a solution reduces back-office workload or simply moves it.