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Achieve your financial goals with intelligent finance tools built for growth and efficiency.
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Payments Automation Financing Analytics
Achieve your financial goals with intelligent finance tools built for growth and efficiency.

Speak with an expert
Benefits Details
30% faster time to get paid
50% less time managing receivables
*95% advance payments on invoices
48 hours to unlock liquidity
4,000+ companies buy & sell on the Kema network 4,000+ companies buy & sell on the Kema network 4,000+ companies buy & sell on the Kema network
we work with world's top companies Trusted by leading SMEs in MENA Empowering businesses of all sizes
A secure solution that scales with your business. Unlock new efficiencies, improve cash flow and transform your payments, all from one app.
< 25 Employees 25+ Employees
Create payment links in seconds
Kema automatically generates and shares payment links, streamlining your invoice collection process.
Card payments that cost less
Starting at just 2.75%, accept card payments at better rates and offer more payment options for your customers.
Fast-track your cash flow now
Skip the wait — get advance payments on your invoices quickly and effortlessly, without changing your payment terms.
Automate your receivables workflows
Embed payment links with every ERP invoice, send via email, WhatsApp, or SMS, and automate reminders and reconciliation.
Gain more visibility without adding headcount
Empower your sales, finance and collections teams with a unified platform for real-time tracking, detailed logs and instant updates.
Boost revenue with flexible payment options
Offer extended terms to your customers while ensuring instant cash flow with our advance payment options.
Power your business
Transform invoices to cash
Modern payment for invoices
Send branded payment links via email, WhatsApp or SMS. Offer multiple payment options: cards, Apple Pay and wire transfers. Create custom-branded payment pages with flexible surcharge options. Explore payment features Explore Payment Features
AR automation that drives results
Automate follow-ups with customisable reminder workflows. Empower your team with detailed analytics and insights. Get instant visibility into invoice status and engagement. Explore A/R automation Explore AR Automation
Fast and flexible invoice financing
In a hurry to get paid? Stop waiting for payments - convert your invoices into immediate working capital on your terms. Customers need more time to pay? Give customers flexible payment terms without hurting your cash flow. Easily offer net terms to all your customers. Need help setting your payment terms? Our proprietary credit engine offers fast and reliable credit checks on your customers. Convert invoices to cash Explore Payment Features
For you For your customer Advance Pay Later
Built on a foundation of security
Kema runs on enterprise-grade cloud infrastructure with AWS, ensuring high availability and resilience. We implement robust security measures, including encrypted data storage and strict access controls, to protect your sensitive information.
Get paid faster, easier and cheaper
Payment links for every Invoice
Automatically embed secure payment links with every invoice for instant collection.
Modern invoice management
Track invoice interactions, send account statements automatically and offer a payer portal.
Recurring payments
Set up recurring invoices and automate payments using auto-debit functionality.
Automated payment reminders
Set up once, then let intelligent workflows handle your payment follow-ups.
Dedicated AR dashboard
Get instant visibility into your entire accounts receivable from one place.
Seamless ERP integration
Unlock new features and keep your ERP up-to-date with our one-click setup.
Advance payments on invoices
Improve your cash flow with upfront payments of up to 95% on approved invoices.
Smart customer onboarding
Grow your customer base confidently with automated credit checks.
Offer pay later
Let your customers extend their payment terms, with zero credit risk to you.
Payment links for every Invoice
Automatically embed secure payment links with every invoice for instant collection.
Modern invoice management
Track invoice interactions, send account statements automatically and offer a payer portal.
Recurring payments
Set up recurring invoices and automate payments using auto-debit functionality.
Automated payment reminders
Set up once, then let intelligent workflows handle your payment follow-ups.
Dedicated AR dashboard
Get instant visibility into your entire accounts receivable from one place.
Seamless ERP integration
Unlock new features and keep your ERP up-to-date with our one-click setup.
Advance payments on invoices
Improve your cash flow with upfront payments of up to 95% on approved invoices.
Smart customer onboarding
Grow your customer base confidently with automated credit checks.
Offer pay later
Let your customers extend their payment terms, with zero credit risk to you.
Integration made simple
Connect Kema to your existing systems in minutes — without any disruption to your workflows. Our robust connectors are pre-built, and do not require a tech team or third party.
Learn More
Our success stories
"Kema’s automation tools and embedded payment links have made receivables effortless. As part of our hassle-free management approach, we always use the best solutions for our clients to ensure a seamless experience—and Kema has been a game-changer."
Gregory Lewis, Director, AirDXB
"Before Kema, chasing payments was a daily struggle. Late invoices disrupted our cash flow, and manual follow-ups took up too much time. Since integrating Kema, we’ve seen a significant improvement in on-time payments and cut our collections effort in half. Now, we focus on growing our business instead of chasing overdue invoices!"
Michelle Kossaifi, Head of CSM - Middle East, KitchenPark
“As a professional services firm, getting paid on time used to be a challenge. Kema automated our invoicing and follow-ups, leading to faster collections and a better client experience. Now, we spend less time on admin and more time delivering value to our clients.”
Rea Poli Bonje, Finance Manager, Elevision
Frequently asked questions
What is Kema, and how can it help my business?
Kema is a B2B accounts receivable platform that streamlines your invoicing, payment collection, and reconciliation processes. It improves cash flow, reduces manual effort, and offers tools for better financial visibility and control.
Does Kema integrate with my existing tools?
Yes, Kema seamlessly integrates with popular ERPs like Xero, QuickBooks, Zoho, and others. Our one-click plugins ensure quick and easy setup without the need of technical expertise.
How does Kema help me get paid faster?
Kema automates reminders, embeds secure payment links in invoices, and even offers advance payment options, ensuring you get paid faster while improving collections efficiency.
Is my data secure with Kema?
Absolutely. Kema employs enterprise-grade encryption and secure cloud infrastructure to keep your data safe and confidential.
Can I offer flexible payment terms to my customers?
Yes! Kema allows you to provide extended payment terms to your customers while maintaining instant cash flow through our invoice financing solutions.
Accelerate your cash flow with Kema.
Speak with an expert
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