CashFlow Central

CashFlow Central is Opportunity Bank's enhanced payment and cash flow management solution, designed to help businesses manage payables, receivables, and bill payments from one convenient platform within Digital Banking.

Whether you're paying vendors, sending invoices, or tracking incoming payments, CashFlow Central gives you the tools to manage your business more efficiently.

What You Need to Know

Beginning July 17, our current Business Bill Pay service will transition to CashFlow Central.

Existing Business Bill Pay customers will be prompted to:

Enroll in CashFlow Central
Select the service option that best fits their business needs
Accept updated disclosures and terms

Your existing payees will be migrated automatically, and we expect minimal disruption during the transition. The standard CashFlow Central plan will continue to be available at no charge.

More Than Business Bill Pay

CashFlow Central offers much more than traditional online bill payment.

Depending on the plan you choose, you can:

Create and send professional invoices directly from Digital Banking
Track invoice status and customer payments
Manage accounts payable and receivable from one platform
Access multiple payment options for customers and vendors
Gain greater visibility into your business cash flow
Reduce manual processes and save valuable time

If you currently use invoicing software, spreadsheets, or manual processes, CashFlow Central can help streamline your workflow and keep your payment activity in one place.

Choose the Plan That's Right for Your Business

CashFlow Central offers four service options designed to support businesses of all sizes.

Whether you simply need bill pay or are looking for advanced invoicing and payment capabilities, there's a solution to fit your business.

Payables Base Package $0

Streamline business payments with essential accounts payable tools.

Plan includes:

Pay any biller or vendor
Pay by bank account or card
Schedule multiple payments
2 active users
5 standard Payables transactions per month, $0.50 for each additional transaction

Payables Pro Package $9/mo

Automate payments with advanced tools to save time and manual work.

Plan includes:

All Payables Base Package features
Sync with accounting software
3 active users, $5/month for each additional user
10 standard Payables transactions per month, $0.50 for each additional transaction

Payables & Receivables Base Package $16/mo

Essential tools to manage payables and receivables all in one platform.

Plan includes:

All Payables Base Package features
Get paid by ACH or card
Create and track invoices
Automated invoice reminders
2 active users
5 standard Payables transactions per month, $0.50 for each additional transaction

Payables & Receivables Pro Package $22/mo

Scale your business faster with advanced tools to pay and get paid.

Plan includes:

All Payables Base Package features
Sync with accounting software
Get paid by ACH or card
Create and track invoices
Automated invoice reminders
3 active users, $5.00/month for each additional user
10 standard Payables transactions per month, $0.50 for each additional transaction

Frequently Asked Questions

Yes. Existing Business Bill Pay payees will be migrated to CashFlow Central.

Yes. The first time you access CashFlow Central, you'll be prompted to enroll, select a service option, and accept updated disclosures.

Yes. The Payables Base Package plan will continue to be available at no charge.

Our Digital Solutions team is happy to help. Contact us to learn more about CashFlow Central or to determine which service option is right for your business.

With CashFlow Central, you can use a credit card to pay bills and invoices

Extended cash flow – Defer payments and hold onto your cash longer
Potential rewards – Earn points, miles, or cashback, depending on your card

Note: Credit card bill payments are offered by Fiserv Solutions, LLC, as a bill payment service provider (BPSP). Each card-funded payment incurs a 2.99% card-funded BPSP Bill Payment Fee and outlined in the Review and Schedule page when making a payment.

With CashFlow Central, you can use a business credit card to pay bills and invoices. You can conveniently add a credit card when adding funding methods to your account or when scheduling a payment to vendors that accept credit cards.

Adding a credit card

To pay with a card, you need to first add it as a funding method to your account:

Go to Settings
Go to Funding Methods
Click Add Card
Add your card details and click Save and continue
Fill in your name and address and click Save card & assign users to choose who can use this card. To save this card and assign users later, click Save card & close.

Your card is added and ready to use for payments.

Scheduling payments by card

To schedule payments by card, you need to go to the Vendor and select pay:

Go to How you Pay
Go to Credit Card
Click Add Card
Add your card details
Add card and card holder details click Save.
Your card is now added and ready to use for payments.

The supported credit card types are:

Visa – consumer and commercial
Mastercard – commercial only

Note: Debit cards and prepaid cards are currently not a supported Funding Method.

Users can add, edit and delete vendors, billers, and suppliers that they want to pay.

To add a vendor to your list, select the +Add Vendor on the vendor’s screen

Enter vendor name and click Enter
Select the vendor from the list
Enter the vendor account number
Confirm the vendor account number
Enter the vendor ZIP code
Select Save and close

If an add vendor or supplier match is not successful, the user is presented with the option to enter the vendor’s information

Enter vendor name and click Enter
The system will indicate: No results were found
Select Add new vendor
Enter vendor account number
Confirm vendor account number
Enter vendor phone number
Enter vendor email address – optional
Enter vendors complete mailing address – city, state, ZIP
Select Save and close

You can use the Pay tab to quickly schedule a payment to a vendor:

Go to Vendors
Click Pay
Select Vendor
Add dollar amount
Select Funding Method
Select Delivery Date from the Calendar
Click Confirm and pay

Note: When you schedule a check payment, there are two important dates to understand:

Debit on

This is the date when funds are withdrawn from your account. This is also the date on which we will issue and mail the check to your vendor.
Funds are always debited 5 business days prior to the “Estimated deliver by” date. By changing the “Estimated deliver by” date, you can choose when the funds are debited, avoiding surprises from unpredictable vendor deposits.

Estimated Delivery by

The estimated delivery date indicates when your vendor can expect to receive this payment; the actual delivery date may vary.

Yes.

When paying a vendor for the first time, choose their preferred delivery method, Bank Transfer (ACH) or Paper Check. If you select Bank Transfer (ACH), you will need to enter the vendor’s routing and account numbers. If you’ve already provided these details, when adding the vendor to your list, they are pre-filled, and you will just need to confirm them.

Note: For verified vendors in our network, their preferred payment method is automatically set. They receive payments via ACH or Paper Check, based on their preference, without you needing to manage the details.

Yes, with CashFlow Central, you can select your preferred funding method. Vendors can choose their preferred way to receive payments.

With CashFlow Central, the payment process is simple, and flexible, consisting of two key steps:

Select Your Funding Method – Pay using a credit card or bank account
Vendors Receive Payments Their Way – Funds are delivered via their preferred method: Bank ACH transfer or paper check, ensuring a smooth experience for both parties

Note: For verified vendors in our network, their preferred payment method is automatically set. They receive payments via ACH or Paper Check, based on their preference, without you needing to manage the details.

When you schedule a check payment, there are two important dates to understand:

Debit on

This is the date when funds are withdrawn from your account. This is also the date on which we will issue and mail the check to your vendor.
Funds are always debited 5 business days prior to the “Estimated deliver by” date. By changing the “Estimated deliver by” date, you can choose when the funds will be debited, avoiding surprises from unpredictable vendor deposits.

Estimated Delivery by

Estimated delivery date indicates when your vendor can expect to receive this payment, the actual delivery date may vary.

CashFlow Central processes your payments and delivers them to your vendors. If your vendor prefers paper checks, we'll send them for free on your behalf. Paper checks are sent via USPS, and delivery to the vendor takes approximately 5-7 business days.

We offer you secure check protection. This gives you more control and security for paper checks that are delivered through the mail. With check protection, you can enjoy the following benefits:

Allowing you better cash flow control
You can choose when funds are debited, avoiding surprises from unpredictable vendor deposits.
Keeping your bank details secure
Your bank details are never visible on paper checks. This helps protect you from check forgery and fraud.
End-to-end handling
With our secure check protection, you have complete control over when funds are withdrawn. By preventing unexpected deposits, we ensure your checks are protected from bounce risks, and you can easily void a check before it's deposited.

Paper checks are sent via USPS, and delivery to the vendor takes approximately 5-7 business days. The estimated delivery date on the payment is the estimated date your vendor should receive the payment.

Please note, that most checks are deposited up to 1 week after being received by your vendor. If the check hasn't been deposited, we recommend you reach out to your vendor.

If they haven't received the check, call 888-750-2265 to stop and reissue the check or to simply get a refund directly to your account.

Xero, NetSuite, QuickBooks Desktop, and QuickBooks Online

Easily connect your accounting software to sync bills, payments, and vendors, saving time and eliminating double data entry. Once connected, 2-way sync happens automatically.

For example, bills added in Xero, NetSuite, QuickBooks Desktop, and QuickBooks Online will automatically appear in your Bills tab in CashFlow Central, allowing you to quickly pay them. Likewise, when you schedule a payment in CashFlow Central, the payment details sync instantly with accounting software sync provider, keeping your records up to date without requiring manual input.

To connect to your accounting software:

Go to Settings
Select Sync and import
Under Sync Accounting Software, select your provider
Click Connect on the provider.

Instead of manually entering bill details or uploading invoices, you can streamline the process by having them sent directly to your CashFlow Central account.

Use your unique invoice-to-email address to receive invoices, either by forwarding them yourself or by sharing the email with your vendors. Any attached invoices are automatically added to your account as new bills in your Bills tab ready for review and payment.

How it works:

Find your unique invoice email address in Settings or the Bills tab
Share your CashFlow Central email address with vendors so they can send invoices directly, or forward invoices to your CashFlow Central email. Our advanced AI will automatically scan your invoice and create a bill for payment
Review the bill and verify that the details are correct
Pay the bill by scheduling a payment

Note: Newly created invoices that require your review will appear as a new task under the Notification section.

Yes, your eBills subscription continues as usual according to the billing cycle of each vendor. New eBills automatically appear in your Bills tab. Those set up with autopay are scheduled for automatic payment.

You can also subscribe to receive additional eBills from billers that offer this service. An indication of the service appears next to the name of the biller that offers it.

Note: You can also choose to cancel your eBill subscriptions to any of your vendors at any time.

Recurring payments enable a user to set up vendors to receive payments on a recurring basis. Users can specify the amount to be paid, frequency, and duration for the recurring payment series. All your payments, including recurring payments, appear in the Activity tab.

A recurring payment is marked with an icon and indication of the recurring interval: Weekly

You can also find your recurring payments by reviewing the vendor details from your Vendors tab.

How to create recurring payments:

Next to the relevant vendor, click Pay
Add the dollar amount
Select the Funding Method
Select the Payment Frequency - Recurring
Select Frequency
Select Delivery Date for the first recurring payment.
Select the duration of the number of recurring payments.
Click Confirm and Pay

How to find and review recurring payment details:

Next to the relevant vendor, click the more actions menu (three dots)
Select View vendor from the list of options
In vendor details, scroll down to the Recurring payments section to review the recurring payment details

Yes, you may have multiple bills waiting to be paid and you also may want to make a payment without a bill. With CashFlow Central, you can schedule payments for all of them in one go.

How to batch schedule multiple payments:

Go to the Vendors tab
Check the box next to the vendors you want to pay. At the bottom of the page, you can see the total amount and number of vendors you are paying. Tip: If you have multiple bills from the same vendor, you can pay them individually or as one combined payment. To do so, toggle on Combine payments. Tip: To schedule a payment without an associated bill, check the box next to the vendor’s name and add the amount you want to pay in the relevant cell under the Total amount column.
Click Review and pay to continue. You will see the selected payments listed and you can review their details and modify them as needed.
Once all your payments are ready to go, the total amount to be paid appears on the top right of the screen.
Click Confirm and pay to continue.

Your payments are now scheduled. Note that there is an individual summary for each payment.

You can use CashFlow Central to pay a wide range of business-related expenses, including utility bills, vendor invoices, contractor payments, and even rent.

Level 3 payments limits are managed by the Level 1 user. To set up thresholds, the Level 1 user accesses Users and roles.

Select the Level 3 user
Under Funding method access, select the accounts that the Level 3 user will have access to make payments with and select the funding account
If the Level 3 user can have access to all available funding accounts, select Full access
Enter the dollar amount in the Payment approval limit. Any payments made by Level 3 that exceed that dollar amount will require approval from Levels 1 or 2

A payment set up by a Level 3 that exceeds the Payment approval limit must be approved by Levels 1 or 2. The Approvals tab will be flagged with an indicator that an approval is pending.

Levels 1 or 2 select View payment
Payment and bills page displays the payment details
Levels 1 or 2 review the information for accuracy
Levels 1 or 2 select Approve

Note: If the payment is not approved by Levels 1 or 2 by the date displayed in the Payment and bill details page, a new payment date must be selected.

The supported formats for bill upload are:

PNG
PDF
JPG
JPEG

The invoice size sent to the Bills inbox cannot exceed 10mb.

Entitlements can be changed within the businesses' digital banking experience or by contacting the bank at 888-750-2265.

No. The SMB must use a business DDA or MMA account for monthly billing purposes for CashFlow Central.

Monthly billing for CashFlow Central packages will occur on the third business day of the month.

The data shared includes the information below:

Bill details
Vendor details
Payment details