Money Forward Kessai is a wholly owned subsidiary of Money Forward that provides payment and credit services for businesses. Its core deferred-payment platform screens buyers, issues invoices, collects funds and manages receipts, with payment guarantees on approved transactions. It also offers business cards, card-based invoice payment and online factoring for companies and sole proprietors.
The company earns revenue through service and transaction fees, including guarantee and collection charges, card-payment fees and discounts on receivables purchased for early funding. Its products help sellers outsource accounts-receivable work and help businesses manage payment timing and working capital.
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