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If your business relies on paper checks to pay bills, chances are, you’re paying too much. CashFlow Complete automates the tedious tasks associated with paying bills, sending invoices and getting paid. Stop leaving money on the table in the form of labor, materials and postage and reinvest those resources into growing your business.

But don’t just take our word for it. Use our hidden cost calculator to see how a manual and paper-based process might be impacting your business.

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Simplify bill pay

Upload bills and pay with ACH. If a vendor prefers checks, we’ll mail them for you.
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Automate your approvals

Add approvers to a bill – they can review and approve from any device, anytime.
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Master your cash flow

Track money in and money out for a clear forecast of your business cash flow.
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Keep a digital paper trail

Store invoices, receipts and supporting documents in a secure inbox.
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Always be audit-ready

Search for documents with a click – just like email. Everything’s at your fingertips.
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Pay with confidence

Protect your business with industry-leading security.

See how CashFlow Complete simplifies your business payments.


Ready to get started?

Try a risk-free, 30-day trial of CashFlow Complete using our options below. After 30 days, the fee for the CashFlow Complete plan you select, plus the applicable transaction fees1, will be automatically withdrawn on a monthly basis from the deposit account you choose during enrollment.
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Not yet a Commerce Bank customer?

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“CashFlow Complete’s efficiency allows us to pay our valued partners quickly. It has helped us scale our business and save on costs. We are able to pass those savings onto our clients.”

Jeremiah Reardon

Owner – Playabilities for Sensational Kids
Jeremiah Reardon, Playabilities for Sensational Kids


1. Transaction fees:

ACH payments sent/received: $0.35 per item
Mailed check/invoice: $1.40 per item
Vendor direct virtual card payment: $0
Receive credit card payments: Merchant Fees: Level 3 processing rates available
Approver Users: $10/monthly