Pay4You
Pay4You is a Dutch B2B payment platform that consolidates European businesses' tail-end spend — thousands of low-value, non-strategic invoices — into a single monthly invoice paid via virtual credit cards and bank transfers, primarily serving enterprise finance and procurement teams.
- Company typePrivate
- Founded2022
- HeadquartersHaarlem, Netherlands
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Pay4You does
Pay4You, legally THLP B.V., is a Netherlands-headquartered B2B payment platform founded in 2022 that addresses the long-tail of corporate purchasing — the small, non-strategic, high-volume invoices that typically generate 80% of administrative burden while representing only ~20% of total spend. The company operates two core components: the Pay4You Platform, a self-service portal where employees request virtual credit cards, submit payment requests, route approvals, and upload invoices; and Unified Payflow™, the proprietary payment-processing technology that executes those payments via virtual credit cards and bank transfers, then issues the client a single consolidated monthly invoice. Optional supplier verification (Chamber of Commerce, VAT, IBAN-name, AML/KYB) and rule-based multi-level approval workflows sit on top of the core rails, with PCI DSS compliance underpinning card processing security.
The company monetizes via a fixed fee per processed invoice — a transaction-based model with monthly billing and no disclosed public pricing. Go-to-market is sales-led: 45-minute personalized demos convert into 4-6 week custom implementations tailored to client requirements (SSO, internal ERP connections), supported by content marketing (whitepapers such as 'Manage the Unmanaged' and 'Low-value invoice rarely stays low-cost'), industry event participation (Finance Flow Conference, Lunch & Learn sessions co-hosted with Mastercard across Dutch cities), and a high-leverage channel partnership with Mastercard (announced July 2025) that leverages Mastercard's Virtual Card Network for guaranteed card acceptance across Continental Europe. A complementary partnership with AirPlus (January 2026) integrates AirPlus-issued virtual cards within Pay4You's payment services and co-produces thought-leadership content.
Pay4You primarily targets enterprise finance and procurement teams across Europe, with secondary use cases for IT, marketing, and office/facility management functions. The company claims up to 70% administrative cost savings on tail spend for clients. Headcount is 1-10, headquartered in Haarlem, with a three-partner leadership team (Melvin van Wingerden, CEO; Sander Bootsma, CTO; Haron Shah, CFO), founder Lourens Stamhuis serving as Chair of an Advisory Board, and senior wholesale-banking advisors (Gerro Goedhuis, Jan Bellens) supporting growth. Only one enterprise customer is publicly named (Vodafone Ziggo), revenue is undisclosed, and no institutional funding rounds have been reported.
Pay4You firmographics
Firmographics- Name
- Pay4You
- Legal name
- THLP B.V.
- Website
- https://pay4you.nl
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Pay4You is a Dutch B2B payment platform that consolidates European businesses' tail-end spend — thousands of low-value, non-strategic invoices — into a single monthly invoice paid via virtual credit cards and bank transfers, primarily serving enterprise finance and procurement teams.
- Ownership category
- akta.pro rank
Pay4You industry classification
Industry- Product category
- B2B Payment Platform
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)
- akta.pro secondary industries
- Accounts Payable Automation & Supplier Payments (FSAGAJAD), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Biller Direct EBPP Platforms (FSAMAJAA)
Keywords
Where Pay4You is headquartered
LocationHeadquarters
- HQ city
- Haarlem
- HQ country
- Netherlands
- HQ region
- Europe
Offices1 record
Markets served
Pay4You business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales
Revenue model
- Fixed Fee per Invoice Processing: Clients pay a fixed fee per invoice processed. No hidden costs. The fee covers bundling thousands of low-value invoices into one consolidated invoice, supplier payment processing, and administrative cost savings.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Fixed fee per processed invoice |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels5 records
Pay4You product offering
Product offeringCore offering
Pay4You is a B2B payment platform that consolidates thousands of low-value (tail-end) supplier invoices into a single monthly consolidated invoice for enterprise clients. It pays suppliers on time via virtual credit cards (integrated with Mastercard's Virtual Card Network) and bank transfers, and provides a self-service portal where employees can request virtual cards, submit payment requests, route approvals, and upload receipts for accounting and VAT recovery.
Product overview
Pay4You is a unified B2B payment platform that consolidates tail-end (long-tail) spend management. The core offering consists of the Pay4You Platform for managing consolidated monthly invoicing and the Unified Payflow™ technology for processing payments via virtual credit cards and bank transfers. Together, these products enable organizations to reduce hundreds or thousands of individual supplier invoices into a single monthly payment, eliminating administrative burden, supplier onboarding complexity, and approval workflows while freeing up working capital.
Differentiator
Problem solved
Functional benefit
Products and services
- Pay4You Platform A self-service B2B payment portal that lets enterprise employees request virtual credit cards, submit payment requests for invoices, add project/cost-center references, route payments through configurable approval workflows, and upload receipts for accounting and VAT recovery. Clients receive a single, consolidated monthly invoice in place of hundreds or thousands of small supplier invoices.
- Unified Payflow™ Proprietary payment orchestration technology that processes payments to suppliers on time using virtual credit cards (integrated with Mastercard's Virtual Card Network) and bank transfers, and consolidates them into a single monthly invoice for the client enterprise. Supports configurable multi-level approval rules, optional supplier screening (Chamber of Commerce, VAT, IBAN-name, AML/KYB), and PCI DSS-compliant processing.
Quantifiable outcome
- Save up to 70% on administrative costs
- +3 more outcomes
Companies that use Pay4You
Customer profileNamed customers1 record
Segments5 records
Ideal customer profiles2 records
Pay4You technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Pay4You partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- AirPluscorePartnership for joint whitepaper publication 'Manage the Unmanaged' released January 2026. AirPlus virtual cards are integrated within Pay4You's B2B payment services, creating a winning and value-added proposition for customers. AirPlus is described as crucial for AirPlus' development in the B2B payment space.
- MastercardcoreStrategic partnership announced July 2025 to deliver comprehensive tail spend management solutions for corporations across Europe. Pay4You integrates Mastercard's Virtual Card Network (VCN) technology which guarantees card acceptance across Continental Europe. This collaboration enables corporations to reduce costs, increase process efficiencies, ensure compliance, and offers employees a better user experience. Pay4You was recognized as finalist in Mastercard for Fintechs competition 2024.
Scale indicators6 records
Recent moves5 records
Expansion highlights5 records
Pay4You competitors and assessment
Company assessmentEmerging players
- Pleo: Pleo provides corporate cards and expense management for European businesses, an adjacent spend-control product that overlaps with Pay4You's virtual-card-based tail-spend payment flow.
- Spendesk: Spendesk combines corporate cards, spend management, and AP automation for European mid-market companies, competing for the same finance-team budget that Pay4You targets for tail-spend consolidation.
Broad incumbents
- Coupa: Coupa is a large business spend management platform with broad procurement and AP capabilities, overlapping with Pay4You's tail-spend consolidation as part of a much wider suite.
- Ramp: Ramp combines corporate cards, AP automation, and procurement workflows for businesses of all sizes, addressing the same tail-spend consolidation and supplier-payment workflows Pay4You solves.
- AirPlus: AirPlus is a large issuer of corporate virtual cards and a Pay4You partner; it competes in the B2B virtual-card payments space that Pay4You uses as its core payment rail.
- SAP Ariba: SAP Ariba is an enterprise procurement and invoicing suite that handles supplier management and invoice processing at scale, broadly competing for the tail-spend and AP-automation wallet share.
- Brex: Brex offers corporate cards and integrated spend management with bill pay capabilities, a broader incumbent that overlaps with Pay4You's card-based supplier payments and consolidated invoicing.
Direct peers
- BILL.com: BILL.com offers B2B payments, AP/AR automation, and corporate card products for SMBs and enterprises, addressing the same tail-spend and small-invoice payment use cases Pay4You targets.
- Stampli: Stampli is an AP automation platform focused on invoice processing, approval workflows, and supplier payments, comparable to Pay4You's automation of low-value invoice handling and approval flows.
- Tipalti: Tipalti provides end-to-end accounts payable automation and global supplier payments for mid-market and enterprise companies, directly overlapping with Pay4You's invoice consolidation and supplier payment value proposition.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights7 records
Customer concentration
Pay4You social profiles
Digital presencePay4You compliance and trust
Trust signalCompliance1 record
Pay4You financial estimates
Financial estimateRevenue estimate
Valuation estimate
Pay4You leadership team
Management profileNumber of profiles
Profiles6 records
Pay4You funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Pay4You M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Pay4You
What does Pay4You do?
Pay4You is a B2B payment platform that consolidates thousands of low-value (tail-end) supplier invoices into a single monthly consolidated invoice for enterprise clients. It pays suppliers on time via virtual credit cards (integrated with Mastercard's Virtual Card Network) and bank transfers, and provides a self-service portal where employees can request virtual cards, submit payment requests, route approvals, and upload receipts for accounting and VAT recovery.
Is Pay4You a public or private company?
Pay4You is a private company. It is classified as venture growth investor backed and is currently operating.
When was Pay4You founded?
Pay4You was founded in 2022. It employs 1 to 10 people.
Where is Pay4You based?
Pay4You is headquartered in Haarlem, Netherlands, in the Europe region.
How does Pay4You make money?
One revenue line is on record: fixed Fee per Invoice Processing.
Who are Pay4You's main competitors?
Emerging players on record are Pleo and Spendesk. Broad incumbents are Coupa, Ramp, AirPlus, SAP Ariba and Brex. Direct peers are BILL.com, Stampli and Tipalti.
Does Pay4You have an API?
No public API is recorded for Pay4You.
What industry is Pay4You in?
Pay4You's product category is B2B Payment Platform. Its primary akta.pro industry code is BPAMAFAF, Bill Pay, Invoicing & Payables Platforms, with a secondary code of FSAGAJAD, Accounts Payable Automation & Supplier Payments. Its NAICS code is 522320 and its SIC code is 6159.