Abstract: This invention is a method and apparatus for facilitating dual, bilateral buyer-driven and bilateral seller-driven commerce through the communication of binding conditional early payment incentive offers, acceptances, and payments. In a preferred embodiment, this invention allows buyers and sellers to communicate conditional early payment incentive offers to each other, and upon acceptance, to bind the other party to a contract. In a preferred embodiment, the apparatus includes a controller which transmits and receives conditional early payment incentive offers. Potential parties have the option to accept a conditional early payment incentive offer and thus bind the other party to a contract. The controller then facilitates payments between a buyer and a seller.