You've done the job, but your money is sitting with the client. Who always has a good excuse.
You start each collaboration by advancing the costs, which means you are running a cash deficit.
Months of work with sometimes no income because approvals take a long time in your line of work.
You spend too much time chasing money, and you've become a bank for your customers.
Without a clear understanding, everything can be negotiated, refused, blocked, and therefore not paid for.
Factoring, debt collection, urgent financing? To protect yourself, you have to pay even more? Absurd.
per paid step
per automatic invoice
per automated IP contract
[Challenges' ‘100 start-ups to invest in’ selection for 2025]
Paybystep has created a platform that streamlines the payment of quotes in stages, so that service providers get paid faster.
‘On our platform, each line of the quote becomes a paid stage,’ explains the CEO. The service provider uploads their product, the customer approves it, pays for the service, and we move on to the next stage. They can then purchase the intellectual property of the service provider's work, such as a plan or a preliminary report."
« Il est essentiel de sortir d’une vision manichéenne. Le terme de «mauvais payeur», souvent employé dans les médias ou par certains acteurs institutionnels, ne reflète que très partiellement la réalité des grandes entreprises. Dans la majorité des cas, les retards de paiement ne relèvent pas de la mauvaise foi, mais sont la conséquence directe de systèmes organisationnels complexes, de contraintes financières multiples et de chaînes de validation très segmentées.
Nous observons que beaucoup de directions financières ou achats sont elles-mêmes conscientes des limites de leur fonctionnement. Payer une facture de 100000 euros est parfois plus simple, d’un point de vue procédural, que d’en régler une de 1 500. C’est un paradoxe administratif, mais c’est une réalité concrète.
À cela s’ajoute souvent une pression forte liée aux objectifs trimestriels, à la gestion du besoin en fonds de roulement (BFR), voire à des injonctions de reporting vis-à-vis des investisseurs ou des actionnaires.
Il ne s’agit donc pas de pointer du doigt, mais de comprendre. Nous proposons une approche pragmatique et structurée pour réconcilier performance financière, exigence légale et respect des partenaires. Notre conviction, c’est qu’en fluidifiant les paiements, on fluidifie aussi les relations humaines, la qualité des projets et, in fine, la compétitivité des entreprises. »
Paybystep is a platform designed to solve a massive and universal problem: late payments between businesses.
‘We enable service providers and their clients to secure their collaborations by triggering payments at each validated stage of a project, rather than at the end. Each milestone is formalised, validated, and paid automatically.’
The result: less tension, fewer disputes, and controlled cash flow.
[Gem of the week #1]
For this initial technological and commercial phase, we are working with professions that create intellectual property and often have difficulty getting paid on time: architects, lawyers, communications agencies, and digital companies.
In the digital sector, we have an advantage in that our agile positioning allows us to position paybystep within agile digital methodologies and tools, which are widely used by project teams.
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‘[...] a business-to-business platform called “Paybystep”, which automates the progressive payment of quotes in steps. This allows service providers to get paid more quickly.
’To motivate the client, we have created a mechanism for transferring intangible property. As the client pays you, you transfer ownership of what has been designed to them."
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[Réseau Entreprendre 92 new members - mai 2025]
paybystep.com is the solution that is revolutionising B2B payments by introducing step-by-step payments for smoother, fairer and more peaceful collaborations.
💡 In 2024, 49% of B2B collaborations in Europe were paid late. One late payment often leads to four more. The result: stress, costs, a damaged image... and sometimes avoidable liquidations.
paybystep allows service providers to receive payments automatically, step by step, according to terms defined in advance with their customers. Each validated delivery = a payment sent, between 1 and 30 days.
🎯 The goal: to rebalance customer-service provider relationships, restore trust and avoid the snowball effect of late payments. Already, companies are convinced, initial deployments are promising and the ambition is clear: to make seamless payment the new standard in B2B.
