Accounting & BookkeepingAccounts Receivable / Collections3MediumController$ implied
Small B2B company is overly protective of its banking information, resulting in most customers paying by physical check, which causes slow collections and manual deposit handling.
Current policy restricts ACH sharing to outbound calls, limiting adoption; no positive pay or remote deposit capture in place; manual check collection leads to delayed deposits and slow cash flow.
47
0
Opp. Score
47
Severity
3Medium
Willingness to Pay
implied
Added
Sep 13, 2026
Workarounds Described
- checks are collected and physically deposited at the bank weekly
- banking information can only be given out by outbound phone call after confirming a recent invoice number
Implied Software Gaps
- Secure digital ACH instructions that don't expose account numbers
- Automated invoice validation for payment setup
- Daily remote deposit scanning for checks
App Concept
SecurePay ACH Enabler
A payment acceptance platform that allows businesses to securely share ACH instructions with customers without exposing routing/account numbers. It streamlines onboarding, verifies invoices, and automates reconciliation, accelerating collections while maintaining bank account confidentiality.
Key Features
- Tokenized ACH payment links on invoices
- Automated invoice verification before ACH setup
- Positive pay integration with bank
- Remote deposit capture for remaining checks
Target Users: Controllers and finance managers at small to mid-sized B2B companies (revenue $10M-$100M) that rely heavily on check payments and are concerned about bank fraud.
Revenue Model: Per-transaction fee (e.g., 0.5% per ACH payment) plus $49/mo platform fee
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