Getting paid
Get paid by bank transfer. Keep the fee.
Clients pay you by bank transfer, and Punctual matches each payment to the right invoice for you.
No card option. No fee skimmed on the way in.
The problem
The way it works today
Card payments are easy, but they cost you. On a big invoice, that little percentage is real money, gone before it reaches your account. So you ask clients to pay by bank transfer to save the fee, and now you're the one checking your bank, matching payments, and chasing the ones that haven't landed. You saved the fee and bought yourself a chore.
Sound familiar?
Card processor · receipt
- Invoice payment
- S$9,800.00
- Processing fee (3%)
- −S$294.00
- You receive
- S$9,506.00
bank_export_jul.csv · Sunday 11:12 PM
What Punctual does
You send the invoice. Punctual does the rest.
01
Send invoices clients pay by bank transfer
Every invoice goes out with your bank details built in, and a custom PayNow QR code generated for that invoice, amount and reference already encoded. Clients pay the way that costs you nothing.
INV-2043 · Northwind Studio
S$9,800
due in 14 days
DBS ···0454 · ref INV-2043QR generated per invoice: amount + reference encoded · no card fees
02
Every payment matched for you
When the money lands, Punctual matches it to the right invoice on its own. You don't hunt through your bank feed. Your invoices simply move to paid.
2 matched by reference, amount and payer · 1 set aside for you
03
See who has paid, at a glance
Open Punctual and see what's paid, what's due, and what's late. No more awkward check-in emails, because the reminders go out for you.
Runs late? The day-3 nudge is already scheduled
Send it on Monday. Watch the week settle itself.
- 01Monday · Eight invoices out in two minutes, every one payable by PayNow or bank transfer.
- 02Midweek · Payments land and tick themselves off. Your banking app stays closed.
- 03Thursday · Two slow payers get a polite nudge. You didn't write it, and you didn't send it.
- 04Friday · All eight paid, matched to the cent. Fees handed to card companies: S$0.
- Applicant
- Your business
- Profile
- Businesses that would rather be paid by bank transfer than hand a slice of every invoice to card fees, and who are tired of chasing to make that work.
- Assessment
- Proceed.
Start free
It's --:-- in Singapore.
Your books could be up to date by --.
Connect your accounts and see your own numbers the same day. Your card is not charged until day 30.
30 days free · Your data stays yours · Cancel anytime