Receivables, Built In

Every Invoice. Paid On Time.

Embed payment links into the invoices you already issue. Collect by card, wallet, or bank. Reconcile automatically into your ERP. The collection cycle compresses from weeks to days, and your finance team stops chasing.

XSquare receivables dashboard

One Platform.
Every Way You Get Paid.

Online Collections

Generate a unique payment link or QR code for any customer in seconds. Share over WhatsApp, email, or in person. Funds land directly in your bank.

Learn more
Link sent2:14 PM
Customer paid2:21 PM
MethodCard · AED
StatusSettled

Auto-Reconciliation

Every collection auto-matches to the right invoice in your ERP, marks it paid, and updates your books. No more end-of-week matching marathons in spreadsheets.

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INV-2384Auto-matched
INV-2383Auto-matched
INV-2382Auto-matched
Synced toZoho Books

Pay Suppliers on Card+

Charge supplier invoices to your corporate card via XSquare. Suppliers receive funds at their bank the same day. You get up to 35 days of working capital float, plus your existing card cashback.

Learn more
Acme IndustrialAED 24,300
Bright LogisticsAED 8,750
Crescent SupplyAED 15,200
Float earned35 days

Approval Workflows

Set custom approval chains for any payment threshold. Two-tier for invoices under AED 50,000, three-tier above. Mobile approvals for travelling managers. Audit trail on every payment, every time.

Submitted
Aakriti Patel · 09:14
Approved · L1
Finance Manager · 09:22
Approved · L2
CFO · 11:08
Paid
AED 24,300 · Acme Industrial
XSquare Customer Story

"Our DSO dropped from 30 days to under 5. Customers tap to pay before they leave the room."

From a January 2026 customer interview

Sarie

XSquare
Corporate Card
•••• 4521
Recent Transactions
Trader Hub
Today, 11:42 AM
AED 1,222.50
JC Accounting
Today, 9:13 AM
AED 450.00
Acme Industrial
Yesterday, 4:08 PM
AED 24,300.00
Bright Logistics
Yesterday, 11:30 AM
AED 8,750.00

Built For Real Finance Teams.

Same-Day Settlement

Funds clear to your bank within one business day. No card-network delays, no surprise hold periods.

Batch and Schedule

Group supplier payments, schedule recurring billings, and pay everyone in a single approval.

AP Aging Reports

See every unpaid bill by age bucket, by vendor, by entity. Export to your auditor in one click.

Recurring Invoices

Set it and forget it. Auto-generate monthly retainer invoices for your managed services and consulting clients.

Track Everything

Real-time cash position across all entities and bank accounts. Cashflow forecasting at your fingertips.

Approve On Mobile

Travelling managers can approve, schedule, and track payments from anywhere. Same audit trail, same controls.

More Ways
To Pay & Save.

Pay by Card+

Settle supplier invoices using your existing corporate card, even when the supplier doesn't accept cards directly. Convert payables into a card transaction. Strategically extend cash flow by 35 days against your card billing cycle. Earn cashback on payments you'd be making anyway.

Mastercard B2B program partner

Aakriti Patel
XSQUARE TECHNOLOGIES · CFO
XSquare
•••• 4521
Zoho Xero Wafeq Odoo

Native ERP Integration

XSquare integrates directly into the books you already keep. Zoho Books, Xero, Wafeq, and Odoo. Invoices issued in your ERP carry an embedded XSquare payment link. Collections sync back. No double-entry, no mismatched ledgers, no accounting catch-up sessions.

Two-way sync · No middleware

Built On Mastercard B2B Rails

XSquare runs on Mastercard's B2B program infrastructure, regulated and bank-supervised. Funds flow through licensed PSP partners (CBUAE and QCB regulated) directly to your bank. We are non-custodial by architecture, your money is never on our balance sheet.

PCI DSS Level 1 v4 · Non-custodial

Mastercard Tess Telr Geidea