The AI-driven virtual card solution

SmartPay multiplies the value of virtual card programs – boosting uptake which increases working capital and rebate benefits

Win-win with "pay on day X"

SmartPay intelligence is a win-win technology for virtual cards that pays suppliers early, protects your working capital and maximises rebates

up to
working capital release

from your entire Accounts Payable book

Better value offering

Suppliers get paid ~45 days earlier than traditional virtual cards, for the same fee

You pay later

No need to settle until your card statement becomes due


You increase your DPO and rebates – Suppliers decrease their DSO

How it works in practice

Data driven

SmartPay uses your ERP data to make payment decisions as early as possible without impacting your working capital

Parallel working

No change to your existing invoice approval processes, our AI works alongside your team

Leverage your credit

Use your line-of-credit and AI to create value for you and your suppliers that increases program size and popularity

How the system works

Virtual cards can be a great solution for buyers that want to simplify their payment handling for small to medium sized suppliers. SmartPay technology makes the supplier proposition more attractive, they still pay the card fee but get paid earlier as well.

Revenue boost

Convert expensive payment methods to cards that yield a rebate

Enhance security

Use dynamically generated, unique account numbers with layers of controls to secure your supplier payments. No need to hold and manage supplier bank account details.


10 %
of all invoices are paid early

Each invoice is assesed and a payment decision made within seconds


5 %
of all adjustments need human intervention

Our AI checks if future adjustments are likely, and also forecasts if we can auto-recover funds if an invoice is disputed or changes.

Some of the red flags our AI looks for


Check for duplicates, misallocation and entry/due dates


Check for high OCR or data entry error rates


Check how well the invoice characteristics fit this supplier


Check for default risk and clawback/offset opportunities

SmartPay tools

SmartPay virtual card programmes are supported by a number of bespoke tools that help you predict, plan and manage your program and onboarding.

SmartPay Predict

Explore how your programme could perform based on estimated spend. Predict uses typical programme profiles to show the impact on your suppliers, the improvement in your DPO’s and any rebate that you could earn.

SmartPay Plan

Use your AP spend data to simulate and plan the rollout of your programme. It assesses the propensity of a company accepting cards and models the impact we can make to your working capital and your supply chain.

SmartPay Accept

Accept collates business and transaction intelligence to support the supplier outreach team. Helping them make the best case possible, and handle queries and challenges effectively.

Start now – get answers from your data

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