InvoiceCloud
InvoiceCloud is a SaaS digital billing and payment platform serving regulated industries — utilities, insurance carriers, and government agencies — with omni-channel payments, 160+ CIS integrations, and AI-embedded capabilities including predictive analytics and generative AI reporting.
- Company typePrivate
- Founded2009
- HeadquartersNew Braintree, United States
- Headcount—
- GTM typeB2B
- OfferingSoftware
What InvoiceCloud does
InvoiceCloud is a privately held SaaS provider of digital billing and electronic bill payment (EBPP) solutions founded in 2009 and headquartered in Boston, Massachusetts. The company targets regulated industries — utilities, insurance carriers, local government agencies, and county tax offices — offering an omni-channel payment platform covering online, mobile, text, and voice channels, with one-click checkout, scheduled payments, customizable reminders, and real-time reconciliation. The platform is differentiated by 160+ pre-built CIS integrations, dedicated specialist implementation, and increasingly by AI capabilities embedded natively across the billing and payment lifecycle, including predictive analytics, generative AI reporting (AI Report Generator), autonomous AI agents for customer service, anomaly detection, and process automation that claims 30–60% reductions in manual effort in certain workflows.
The platform's product architecture is organized into four modules — AI-Embedded Intelligence, End-to-End Payments Orchestration, Real-Time Reconciliation and Reporting, and Security and Compliance — unified under an "AI-Powered Billing Experience" platform evolution launched at IUCX 2026. Revenue is generated through enterprise SaaS subscriptions on a quote-based, annual billing model tailored by vertical, transaction volume, and integration complexity. Distribution is primarily direct enterprise field sales with dedicated implementation and technical support, complemented by self-service payer and biller portals; marketing emphasizes vertical thought leadership through research reports, case studies, webinars, and industry events. InvoiceCloud also operates a Global Capability Center in Hyderabad, India, which serves as a strategic engineering and product hub with a committed expansion of 150 technology and product professionals by 2026.
InvoiceCloud firmographics
Firmographics- Name
- InvoiceCloud
- Legal name
- Invoice Cloud, Inc.
- Website
- https://invoicecloud.com
- Company type
- Private
- Founded year
- 2009
- Operating status
- Operating
- Short description
- InvoiceCloud is a SaaS digital billing and payment platform serving regulated industries — utilities, insurance carriers, and government agencies — with omni-channel payments, 160+ CIS integrations, and AI-embedded capabilities including predictive analytics and generative AI reporting.
- Ownership category
- akta.pro rank
InvoiceCloud industry classification
Industry- Product category
- Digital Billing & Payment Software (EBPP)
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)
- SIC
- Services-Prepackaged Software (7372), Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- Biller Direct EBPP Platforms (FSAMAJAA)
- akta.pro secondary industries
- Utility & Municipal Billing Platforms (FSAMAJAG), Payment Posting, Reconciliation & Cash Application for Bills (FSAMAJAL), Recurring Billing & AutoPay Management (FSAMAJAE), E-Invoicing & Invoice Presentment (B2B/B2G) (FSAMAJAF), Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)
Keywords
Where InvoiceCloud is headquartered
LocationHeadquarters
- HQ city
- New Braintree
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
InvoiceCloud business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Infrastructure, Operations, Marketing or Sales
Revenue model
- SaaS Platform Subscription: InvoiceCloud operates as a cloud-based SaaS platform providing digital billing and payment solutions on a subscription basis. The platform includes automated upgrades, enterprise-grade security, and instant access to new features through the scalable infrastructure.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Enterprise SaaS platform pricing |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels8 records
InvoiceCloud product offering
Product offeringCore offering
InvoiceCloud provides a cloud-based SaaS digital billing and electronic bill payment platform (EBPP) with embedded AI capabilities for regulated organizations including utilities, insurance carriers, local government agencies, and county tax offices. The platform supports omni-channel payment acceptance (online, mobile, text, voice), automated payment posting, real-time reconciliation, predictive analytics, and 160+ CIS integrations to streamline the billing and payment lifecycle. It is sold on a quote-based annual subscription with dedicated implementation and technical support.
Product overview
InvoiceCloud offers a unified digital billing and payment platform designed for regulated organizations (utilities, insurance carriers, local government, and county tax agencies). The platform consists of integrated modules including AI-Embedded Intelligence (featuring predictive analytics, autonomous agents, and AI Report Generator), End-to-End Payments Orchestration (multi-channel payment processing), Real-Time Reconciliation and Reporting, and Security and Compliance infrastructure. The AI-powered Billing Experience serves as the overarching platform evolution that embeds these purpose-built AI capabilities across the entire billing and payment lifecycle, enabling 30-60% process reductions and 99% reconciliation match rates.
Differentiator
Problem solved
Functional benefit
Products and services
- AI-Embedded Intelligence Embedded AI layer that adapts to billing and payment workflows, identifies exceptions, and supports team productivity through predictive analytics, autonomous AI agents, and automated workflows for utilities, insurance carriers, and government organizations.
- End-to-End Payments Orchestration
Quantifiable outcome
- 30-60% reduction in manual effort for certain billing processes
- +8 more outcomes
Companies that use InvoiceCloud
Customer profileNamed customers6 records
Segments4 records
Ideal customer profiles4 records
InvoiceCloud technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability8 records
Feature6 records
InvoiceCloud partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- GuidewirecoreInvoiceCloud was promoted to the Premier tier within Guidewire's PartnerConnect ecosystem, indicating a deep integration partnership. Guidewire is a provider of insurance software platforms, and the partnership enables InvoiceCloud to offer integrated billing and payment solutions to insurance carriers using Guidewire's platform. The PartnerConnect ecosystem has achieved 257 cumulative specializations, with InvoiceCloud holding Premier status among technology partners.
Scale indicators14 records
Recent moves6 records
Expansion highlights5 records
InvoiceCloud competitors and assessment
Company assessmentDirect peers
- Paymentus: Paymentus is a direct EBPP competitor serving utilities, government, and insurance with bill presentment and payment orchestration. It is the closest analog to InvoiceCloud by target customer (regulated billers), omni-channel payment model, and vertical SaaS approach.
- Kubra: Kubra provides customer experience and electronic bill presentment / payment solutions to utilities, government, and insurance. It directly competes with InvoiceCloud in the same regulated biller verticals and has similar omni-channel payment and self-service capabilities.
- Billtrust: Billtrust provides order-to-cash and electronic billing / payment solutions to mid-market and enterprise billers across verticals. It overlaps with InvoiceCloud on digital bill presentment, automated payment posting, and B2B/B2G billing workflows.
- Bottomline Technologies: Bottomline provides business payments, bill presentment, and cash management solutions to corporations and financial institutions. Its Paymode-X and biller-side payment offerings compete with InvoiceCloud on B2B bill pay and AP/AR workflows.
- Versapay: Versapay offers collaborative AR automation and digital B2B billing/payments. It competes with InvoiceCloud in biller-direct electronic billing and embedded payment acceptance, particularly for enterprise finance teams.
- ACI Worldwide: ACI Worldwide operates real-time electronic payment and digital bill presentment platforms used by billers, processors, and financial institutions. It directly overlaps InvoiceCloud on EBPP, omni-channel payments, and reconciliation infrastructure.
Broad incumbents
- Jack Henry: Jack Henry provides core banking and payment processing technology to community banks and credit unions, with bill pay modules that compete with InvoiceCloud. It serves overlapping end customers (community banks enabling biller payments) but from a broader platform footprint.
- FIS: FIS is a large financial technology incumbent offering bill payment, card processing, and core banking platforms. Its bill pay and EBPP capabilities compete with InvoiceCloud as part of a much broader product portfolio serving banks and large billers.
- Fiserv: Fiserv is a major financial services technology provider with bill payment, merchant acquiring, and core processing. Its biller solutions compete with InvoiceCloud across utility, government, and insurance verticals from a broad-incumbent position.
- NCR Atleos: NCR Atleos specializes in ATM and self-service banking, including digital bill payment infrastructure. It is comparable to InvoiceCloud as an adjacent payments / bill presentment incumbent serving financial institutions and billers at scale.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
InvoiceCloud social profiles
Digital presenceInvoiceCloud financial estimates
Financial estimateRevenue estimate
Valuation estimate
InvoiceCloud leadership team
Management profileNumber of profiles
Profiles3 records
InvoiceCloud funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
InvoiceCloud 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 InvoiceCloud
What does InvoiceCloud do?
InvoiceCloud provides a cloud-based SaaS digital billing and electronic bill payment platform (EBPP) with embedded AI capabilities for regulated organizations including utilities, insurance carriers, local government agencies, and county tax offices. The platform supports omni-channel payment acceptance (online, mobile, text, voice), automated payment posting, real-time reconciliation, predictive analytics, and 160+ CIS integrations to streamline the billing and payment lifecycle. It is sold on a quote-based annual subscription with dedicated implementation and technical support.
Is InvoiceCloud a public or private company?
InvoiceCloud is a private company. It is classified as unknown and is currently operating.
When was InvoiceCloud founded?
InvoiceCloud was founded in 2009.
Where is InvoiceCloud based?
InvoiceCloud is headquartered in New Braintree, United States, in the North America region.
How does InvoiceCloud make money?
One revenue line is on record: saaS Platform Subscription.
Who are InvoiceCloud's main competitors?
Direct peers on record are Paymentus, Kubra, Billtrust, Bottomline Technologies, Versapay and ACI Worldwide. Broad incumbents are Jack Henry, FIS, Fiserv and NCR Atleos.
Does InvoiceCloud have an API?
No public API is recorded for InvoiceCloud.
What industry is InvoiceCloud in?
InvoiceCloud's product category is Digital Billing & Payment Software (EBPP). Its primary akta.pro industry code is FSAMAJAA, Biller Direct EBPP Platforms, with a secondary code of FSAMAJAG, Utility & Municipal Billing Platforms. Its NAICS code is 522320 and its SIC code is 7372.