PayReference is a Software-as-a-Service (SAAS) application that allows merchants to manage invoices online. The registered merchants can generate invoices and send them as links to their customers for online payment. The payment process is facilitated through the integration of PayReference with Vivawallet, a leading payment gateway, using the ISV (Independent Software Vendor) feature. The ISV feature enables PayReference to receive commission automatically for each order processed through the platform. In addition to this, PayReference also offers a recurring invoice feature, allowing merchants to charge their customers on a monthly or yearly basis. This streamlines the payment process and eliminates the need for manual invoicing, saving time and increasing efficiency. With the integration of Vivawallet, PayReference offers secure and convenient online payment options for both merchants and customers. The payment gateway ensures the safety of sensitive financial information, while offering a user-friendly platform for processing payments. This combination of features makes PayReference an ideal solution for businesses looking to manage their invoicing and payment processes online.