AgentsPayablesSet up at onboarding

Every bill handled. You only press release.

The payables agent reads every bill that reaches you, codes it the way you coded the last hundred, gets it approved by the right person, and builds the payment run. You release it inside your bank.

Priced on a call, by your workload, your volume and the agents you use. One time onboarding fee of 750 US dollars.

Book a callPricing
StratumPayables
Friday payment run5 bills · $23,900
  • Orbit CloudInfrastructure · matched to PO 118
    $6,400Queued for your release
  • Tern LogisticsFreight · net 30 · due Friday
    $4,150Queued for your release
  • Kestrel LegalProfessional fees · above your $5,000 limit
    $8,500Needs you
  • Vale Office SupplyOffice · due Saturday
    $890Queued for your release
  • Sable ContractorsLooks like a duplicate of bill 2231
    $3,960Held
Released by you, in your bank. Fictional companies.

The job today

Bills arrive everywhere

Email, vendor portals, a photo from the warehouse. Some get coded late, some twice, a few never.

Approval happens in a group chat

Nobody is sure what has been approved and what has merely been seen.

Pay early and you lose cash, pay late and you lose goodwill

Without a schedule tied to your cash, payables are either a drain or a string of awkward calls.

What the agent does

Capture from any channel
Shared inbox, Google Drive, forwarded emails. Vendor, amount, due date, lines and tax pulled out.
Coding from your history
The right account and class, based on how you coded this vendor before. New accounts are flagged, never guessed.
Approvals that route themselves
Each bill goes to the person who approves that kind of spend. We chase them, not you.
A payment run sized to your cash
Due dates, early payment discounts and your cash forecast, batched into one run for one review.
Duplicates and changed bank details caught
Anything that looks like a duplicate, or a vendor whose bank details changed, is held and verified by a person.
Vendors told the truth
“When will this be paid?” answered from your mailbox, with the real date.

An illustrative first week

Example numbers for a business of about forty people.

Your bills inbox and your approval limits decide how fast the first run comes together. Book a call and we will show you yours.

  1. Monday

    We connect your books and the inbox bills arrive at, and read the last 90 bills.

  2. Tuesday

    You confirm your approval limits and who signs off what. Version one of your rulebook.

  3. Wednesday

    New bills are coded and routed to approvers. You correct the first few codes.

  4. Thursday

    Anything that looks duplicated, or has new bank details, is held for a person to verify.

  5. Friday

    Your first payment run is built and waiting. You release it in your bank.

Where it stops

It never

  • Starts a payment. It prepares and schedules; you release every run.
  • Pays to bank details that changed without a confirmed check with the vendor.
  • Codes a bill to a new account without telling you it is new.
  • Approves on anyone's behalf, even when an approver is slow.
  • Deletes or merges a bill. Duplicates are flagged, not removed.

It always asks you first

  • Every payment run, in full
  • Any bill above the vendor or overall limit
  • New vendors and changed bank details
  • Paying early to take a discount
  • Any bill it could not match or code with confidence

What it writes down about you

How you code each vendor and who approves what goes into your rulebook in plain English. You can read it, correct it and take it with you.

Your rulebook
Payables
2.1
Which vendors bill on the 1st and expect payment by the 15th, and which accept 45 days.
2.2
Who approves what: operations signs off freight, the owner signs off anything over the limit.
2.3
Which early payment discounts are worth taking and which are not.
2.4
The recurring bills nobody needs to question and the one offs that always should be.
2.5
Which vendors want to be told a payment is scheduled, and which will call if they are not.

What a good quarter looks like for you

24 hoursFrom bill to booksFrom all three.Target we set with you
Aim: zeroDuplicate paymentsEvery duplicate held before a run is built.Target we set with you
About 5 minutesTo release a runOne reviewed batch instead of a week of one offs.Target we set with you

We set these with you once we have seen a month of your bills.

What we need to start

Your accounting software, the shared inbox or Google Drive folder your bills arrive in, and your approval limits.

See the payables agent on your own books.

Book a call
Next agentReconciliationYour books match your bank, every day.