The easiest way for businesses to co-operate with payments.


We've teamed up with Esker to combine AI, invoice automation, incentivisation and payment capabilities to make early and on-time invoice payments easy and rewarding. 

What Esker + Zelo means for your business.


60% reduction in cost

Reduce invoice processing cost by as much as 60% with Esker. 

Cheaper, less waste giving you back more time.

Turn 30 days pending into paid

More cash in bank. 

Less invoices pending, more paid.

Encourage early payments from your customers with zelo Matchmaker and stop chasing payments. 


65% faster invoices

Receive and enter invoices up to 65% faster with Esker.

Faster, less administration and more control.


Be rewarded for being a good customer

Earn ~10-15%p.a. return. 

Pay early, receive discounts and support your sellers.

Card rewards, discounts & better returns.


100% control

See, manage, approve and automate your invoice approvals,  payments and collections. 

Retain full control of your process, cashflow & earnings.



We help you build goodwill & co-operation by making early and on-time invoice payments easy and rewarding.

Everyone benefits.




Together, we make financial cooperation easy, so everyone wins.

It's about using technology to drive cooperation so the people and communities behind these businesses can thrive and prosper. 

Zelo is fully integrated with Esker, so getting started is simple.


1. Switch it on

Enable the Zelo Pay module in your Esker platform

3. Wallet

Set up your wallet to receive / make payments


2. Configure

Configure your early payment settings


4. Data flow

Data flows back into Esker platform once processed

Artificial Intelligence and Automation enable greater controls whilst fostering a greater sense of community.

Automate & eliminate manual invoice processing

Thanks to cloud based AI driven data capture, touchless processing & electronic workflow, saying goodbye to manual processes has never been easier. 

Control & approve, anywhere, anytime

Thanks to an automated approval workflow, the correct level of authorisation is always applied within the agreed upon budget.

Automated brokering and execution of early and on time payments

Thanks to the proprietary matchmaker algorithm,  you will only see discounts in the  ‘sweet spot’ for both parties, making early payments the new norm.    

Underpins business and community cooperation and wellbeing

Every invoice paid early or on time is a financial & emotional contribution to the wellbeing of you, your partners & the business community.


Join our mission to eradicate late payments, 1 invoice at a time.   

All the features to make your finance and accounts team happy, in one platform

Screen Shot 2020-06-09 at 5.31.24 pm.png

Invoice formats


Digitise and Standardise every invoice format.

Screen Shot 2020-06-09 at 5.31.24 pm.png

Start quickly with BYO facilities

Bring your own accounts, merchant facilities & cards to make and receive payments.

Screen Shot 2020-06-09 at 5.31.24 pm.png

One platform

Consolidated invoice and Payment processes & analytics in one place.  

Screen Shot 2020-06-09 at 5.31.24 pm.png



Consolidate global workflows, even in multiple ERP instances.

Screen Shot 2020-06-09 at 5.31.24 pm.png


1 automated process to collect or pay using AMEX, Visa, MasterCard or bank accounts. 

Screen Shot 2020-06-09 at 5.31.24 pm.png

ERP Connectivity

Plug & Play ERP connectivity

Screen Shot 2020-06-09 at 5.31.24 pm.png

Personalised early payment offers

Only see "matched" early payment discount offer for buyers and suppliers.  

Screen Shot 2020-06-09 at 5.31.24 pm.png


Track, prioritise & allocate spend against limits & reset dates.  Stay in control.

Screen Shot 2020-06-09 at 5.31.24 pm.png

Mobile approvals

Approve invoices and payments on the go.

About Esker

Esker is a worldwide leader in AI-driven process automation software, helping financial and customer service departments digitally transform their procure-to-pay (P2P) and order-to-cash (O2C) cycles.


Used by more than 6,000 companies worldwide, Esker’s solutions incorporate technologies like artificial intelligence (AI) to drive increased productivity, enhanced visibility, reduced fraud risk, and improved collaboration with customers, suppliers and internally.


Esker operates in North America, Latin America, Europe and Asia Pacific with global headquarters in Lyon, France, and U.S. headquarters in Madison, Wisconsin. For more information on Esker and its solutions, visit

Screen Shot 2020-07-24 at 2.24.08 pm.png