Cheque
- Company typePrivate
- Founded2024
- HeadquartersStockholm, Sweden
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
Cheque firmographics
Firmographics- Name
- Cheque
- Legal name
- Cheque AB
- Website
- https://chequepay.co
- Company type
- Private
- Founded year
- 2024
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
Cheque industry classification
Industry- Product category
- B2B Invoicing and Payments
- NAICS
- Sales Financing (52222), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro industry
- Invoicing, Pay-by-Link & Virtual AccountsB2B / Invoice-Based BNPL (Trade Credit at Checkout)A2A Checkout & Merchant Acceptance SolutionsFinancial & Insurance/Payments & Transaction Processing/Account-to-Account (A2A) & Open Banking Payments
Keywords
Where Cheque is headquartered
LocationHeadquarters
- HQ city
- Stockholm
- HQ country
- Sweden
- HQ region
- Europe
Offices2 records
Markets served
Cheque business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Transaction/Processing Fees: Credit card: 2.90% + $0.30 per transaction; ACH: 0.20% + $0.30 per transaction; Wire transfer: no cost. Early payment discount feature charges 30% of the discount offered (e.g., 3% discount = 0.90% fee). Only charged when a vendor actually accepts an early payout offer.
- Subscription Plans: Business plan at $19.29/month for 2-3 users with QuickBooks sync, custom branding, and role-based access. Enterprise plan at custom pricing with unlimited users, multi-entity organizations, dedicated account management, and discounted processing fees (0.1% + $1 for high-volume merchants). Starter plan is free with standard processing fees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free plan for freelancers and contractors with unlimited invoices and integrated payments |
| Subscription | Monthly | $19.29/month for 2-3 users with QuickBooks sync, custom branding, and role-based access |
| Subscription | Multi-year contract | Custom pricing for 4+ users and accounting firms managing multiple organizations |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
Cheque product offering
Product offeringCore offering
Cheque is a B2B invoicing platform that enables vendors to create and send professional invoices with embedded credit card, ACH, and wire payment processing. Its distinguishing feature is an early payment discount engine that allows vendors to offer clients optional savings for paying before the due date, with Cheque absorbing the discount cost so the vendor still receives the full invoice amount on the due date. Vendors can also accept invoice-by-invoice early payout offers funded by the platform, and the system syncs invoices, clients, and payments with QuickBooks Online.
Product overview
Cheque is a B2B invoicing platform that operates as a unified product combining invoice generation, early payment discounts, and integrated payment processing. The core Cheque Platform enables vendors to send invoices with flexible payment terms and receive offers for early payouts. Early Payment Discounts and Early Payout Offers are key features built into the platform, allowing vendors to get paid faster without loans or factoring. The platform integrates QuickBooks for seamless bookkeeping sync. Pricing tiers include Starter (free), Business ($19.29/month), and Enterprise (custom), each with varying feature sets. Additional tools include a Savings Calculator for comparing financing costs and a downloadable Invoice Template.
Differentiator
Problem solved
Functional benefit
Products and services
- Cheque Platform B2B invoicing platform combining professional invoice generation, embedded credit card/ACH/wire payment processing, an early payment discount engine that lets clients pay early to save money while Cheque covers the discount (so vendors still receive the full invoice amount on the due date), invoice-to-invoice early payout offers (vendors can accept immediate payment from Cheque on a per-invoice basis with Cheque handling collection from the client), QuickBooks Online sync for automatic bookkeeping, multi-currency invoicing, recurring billing, role-based access (Admin, Finance, Viewer), custom invoice branding, and graduated automated payment reminders. Target customers are creative agencies, design studios, freelancers/contractors, small businesses, mid-market companies, and accounting firms managing multiple entities in the U.S. market.
Quantifiable outcome
- Agencies can get paid 30-60 days faster
- +2 more outcomes
Companies that use Cheque
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles3 records
Cheque technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature6 records
Cheque partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- QuickBooks OnlinecoreCheque integrates with QuickBooks Online enabling automatic syncing of invoices, clients, and payments. The company references reaching 'millions of businesses' through this integration. QuickBooks is the primary accounting integration partner.
Scale indicators3 records
Recent moves5 records
Expansion highlights5 records
Cheque competitors and assessment
Company assessmentDirect peers
- Resolve: Resolve (formerly Invoiced.com) offers B2B invoicing, AR automation, and payments with a focus on SMB and mid-market customers. It is directly comparable to Cheque on invoice generation, automated collections, and integrated payments.
- Bill.com: Bill.com provides SMB-focused AP/AR automation, invoicing, and bill payment workflows. It overlaps directly with Cheque's invoice generation, payment processing, and QuickBooks integration capabilities and has the customer base and balance sheet to add early-payment features.
- Versapay: Versapay provides AR automation and B2B payments networks connecting buyers and suppliers, with collaborative AR workflows. It is comparable to Cheque in serving both sides of the invoice relationship and offering integrated payments.
- Routable: Routable is a B2B payments platform focused on accounts payable automation and vendor payments for businesses and their accounting partners. It competes with Cheque on the payment-rail and AP-automation layer serving SMB and mid-market customers.
- Fundbox: Fundbox provides working-capital solutions to SMBs, including invoice-based financing and short-term credit lines. It overlaps with the early-payment liquidity angle of Cheque, though via a traditional credit/funding model rather than a marketplace.
- C2FO: C2FO operates the world's largest dynamic discounting marketplace, directly matching vendors offering early-payment discounts with clients willing to pay early. It is the most direct functional competitor to Cheque's core early-payment-discount mechanic, though at much larger enterprise scale.
- Melio: Melio is a B2B payments platform for SMBs that simplifies accounts payable and receivables via ACH and card payments. It targets the same SMB segment as Cheque and offers overlapping payment-rail and invoice-management features.
Broad incumbents
- Stripe: Stripe is the dominant online payments infrastructure provider and offers Stripe Invoicing plus Capital for SMB financing. While not a direct early-payment-discount competitor, its scale and platform extensibility make it the broadest incumbent in adjacent B2B payments infrastructure.
- BlueVine: BlueVine is a broader fintech platform offering invoice factoring, lines of credit, and business checking to SMBs. It is an incumbent provider of invoice-based working capital and competes with Cheque for the same cash-constrained SMB segment.
Emerging players
- Pipe: Pipe operates a marketplace for trading recurring SaaS contracts and invoices, providing founders and SMBs upfront capital. It is comparable to Cheque as an emerging invoice-trading/fintech marketplace, though it focuses more on SaaS receivables.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
Cheque social profiles
Digital presenceCheque compliance and trust
Trust signalCompliance3 records
Cheque financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cheque leadership team
Management profileNumber of profiles
Profiles4 records
Cheque funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cheque 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 Cheque
What does Cheque do?
Cheque is a B2B invoicing platform that enables vendors to create and send professional invoices with embedded credit card, ACH, and wire payment processing. Its distinguishing feature is an early payment discount engine that allows vendors to offer clients optional savings for paying before the due date, with Cheque absorbing the discount cost so the vendor still receives the full invoice amount on the due date. Vendors can also accept invoice-by-invoice early payout offers funded by the platform, and the system syncs invoices, clients, and payments with QuickBooks Online.
Is Cheque a public or private company?
Cheque is a private company. It is classified as venture growth investor backed and is currently operating.
When was Cheque founded?
Cheque was founded in 2024. It employs 1 to 10 people.
Where is Cheque based?
Cheque is headquartered in Stockholm, Sweden, in the Europe region.
How does Cheque make money?
Two revenue lines are on record. Transaction/Processing Fees are the primary driver. The others are subscription Plans.
Who are Cheque's main competitors?
Direct peers on record are Resolve, Bill.com, Versapay, Routable, Fundbox, C2FO and Melio. Broad incumbents are Stripe and BlueVine. Pipe is listed as an emerging player.
Does Cheque have an API?
No public API is recorded for Cheque.
What industry is Cheque in?
Cheque's product category is B2B Invoicing and Payments. Its primary akta.pro industry code is CRAFALAJ, Invoicing, Pay-by-Link & Virtual Accounts, with a secondary code of FSAGAIAC, B2B / Invoice-Based BNPL (Trade Credit at Checkout). Its NAICS code is 52222 and its SIC code is 6153.