Online B2B Invoice Payment for an Internet Provider: Singapore 2026

The verdict in three sentences

For an internet provider billing 2,300 businesses in Singapore, a 75-day collection period ties up millions in working capital that the finance team could use elsewhere. A customer portal accepting card, PayNow, GIRO and bank transfer, showing invoices in USD and SGD and firing automated reminders can target 40 days within a year. A Kolonell custom build sits in the medium bracket, 4,000,000 to 7,000,000 FCFA (EUR 6,100 to 10,670), or the complex bracket, 7,000,000 to 15,000,000+ FCFA (EUR 10,670 to 22,870+), if billing, service suspension and accounting are connected.

Where the 75 days come from

The provider sells fibre, dedicated leased lines and managed Wi-Fi to banks, logistics firms, retailers, clinics and SMEs from the CBD to Jurong. The average invoice is USD 900 a month, for total billing of about USD 2.07M. Invoices go out as PDFs by email, often to a shared inbox, then wait for an internal approval chain on the customer side. Payment arrives by transfer, frequently without an invoice reference.

None of these causes is strictly technical, but all are easier to fix with a tool that brings invoice, payment and reminder together.

The customer portal and payment methods

The portal gives each business a space with its contracts, invoices, balance and a pay button. Invoices are issued in USD with an SGD equivalent where needed, with 9% GST shown, and can be sent through InvoiceNow, Singapore's Peppol-based e-invoicing network that IRAS is phasing in for GST-registered businesses. Several contacts can sit on one account: accounts payable, management, IT.

Fees below are 2026 ballpark figures to confirm with your bank and payment providers.

Cards are expensive on large invoices, so the portal pushes PayNow with a pre-filled reference first and offers GIRO for recurring plans.

Automated reminders and budget

Reminders follow a fixed sequence by email, SMS and WhatsApp, with a call for large accounts. For an internet provider, the final lever is throttling bandwidth before suspension, as allowed by the contract.

On budget, off-the-shelf subscription billing tools such as Chargebee or Zuora often cost USD 600 to 2,500+ per month, without network throttling and with limited support for local methods. Kolonell custom builds follow the grid: simple 2,500,000 to 4,000,000 FCFA (EUR 3,810 to 6,100), medium 4,000,000 to 7,000,000 FCFA (EUR 6,100 to 10,670), complex 7,000,000 to 15,000,000+ FCFA (EUR 10,670 to 22,870+). Maintenance costs 35,000, 75,000 or 120,000 FCFA per month (EUR 53, 114 or 183). Hosting and connectors are priced in the quote.

Mini case study

Wei Ling, CFO of an internet provider in Singapore, bills about USD 2.07M a month. At 75 days, receivables reach about USD 5.18M. At 40 days, they fall to about USD 2.76M: USD 2.42M of cash freed. At a 6% annual cost of capital, the saving reaches about USD 145,000 a year.

The collections team has five people spending their days on the phone. If automation lets two of them move to account management, at USD 4,500 a month each, the gain adds USD 108,000 a year. In total, about USD 253,000 a year. Even at the top of the complex bracket, EUR 22,870, plus Premium maintenance at EUR 183 a month, the project pays back within a few weeks. This is an estimate to refine with real data.

FAQ

Can we invoice in USD and accept payment in SGD?

Yes, the portal shows the SGD equivalent at the day's rate and records the rate applied. The FX gap, often 0.5 to 1.5% between issue and payment, is handled by an accounting rule set at the start.

Is InvoiceNow mandatory for us?

IRAS is phasing in InvoiceNow for GST-registered businesses, starting with new registrants from November 2025. Building Peppol sending into the portal now avoids a second project later.

Is automatic throttling commercially risky?

It must be in the contract and preceded by two reminders. In practice, more than half of overdue invoices are paid within 48 hours of throttling.

How long does the portal take to deploy?

Allow 10 to 14 weeks for the portal, payments and reminders. Connecting to network systems for throttling adds 3 to 5 weeks depending on equipment.

Should all customers be migrated at once?

No, a one-month pilot with 200 businesses lets you fix addresses and contacts. The other 2,100 follow in three waves.

Let's scope your project. Send us an anonymised invoice export, your current payment methods and your dunning process, and we will scope the portal, payments and rollout schedule. Detailed quote within 48 h. WhatsApp +221 77 596 93 33.