Solutions

Vendor Management and Payments

We manage your due dates, approvals, and payments with withholding calculations. We integrate your banks and ERP in a single flow so you maintain control effortlessly.

We manage your due dates, approvals and payments with withholding calculations. We integrate your banks and ERP in one flow so you maintain control effortlessly

The architecture of a new financial era

We elevate your team’s potential by combining the power of integrations, the agility of our software, and the precision of our AI agents.

Integrations

We sync your financial ecosystem—tax authorities, banks, and ERPs—so information flows seamlessly into your operations without manual downloads.

Features

We simplify your administrative operations with our smart tools for reception, recording, payments, reconciliation, and legalizations.

AI Agents

We have specialized agents that interpret context, learn from your business, and automate decisions to unlock your team’s potential.

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This is vendor payments in the age of AI

How supplier payment works in the AI era

01. Smart accounts payable and team management

We transform your accounts payable process into a predictable and strategic operation. We connect your ERP to automatically import obligations, allowing our AI Payment Planning Agent to suggest what and when to pay to project your cash flow. In parallel, your team has access to an AI Financial Assistance Agent they can query in natural language to get account statements, vendor variations, or supporting documents in seconds.

Our AI Planning Agent suggests what and when to pay from your ERP to project your cash flow, while our AI Financial Assistance Agent resolves your questions in natural language.

02. Secure Payments Disbursement

Our AI Agents ensure every payment batch meets the highest standards of security and corporate control. The payment control AI agent enforces budgets and internal policies to prevent deviations, while the fraud protection AI agent validates accounts and detects anomalies before final disbursement. This protects your cash, ensures compliance with the tax authority, and turns bank transfers into a fully secure, traceable process.

Our AI Payment Control Agent validates your policies and budgets, while our AI Fraud Protection Agent detects atypical patterns to secure your cash and guarantee 100% safe transfers.

03. Expense Recording and Reconciliation

We optimize the final stage of your financial operations with error-free execution. After disbursement, we automatically notify suppliers with payment confirmations, record expenses in your ERP in real time, and generate instant bank reconciliation reports. This ensures full traceability and keeps your accounting always up to date—eliminating manual work entirely.

We automatically notify your suppliers and record each expense in your ERP instantly, generating reconciliation reports so your accounting is always up to date and requires no manual intervention.

04. Financial Intelligence and Visibility

Our AI Agents turn document chaos into strategic, payment-ready insights. The balance offset AI agent automatically matches invoices with credit notes and prepayments, while the finance assistant AI agent answers questions about liabilities and payments in natural language. This eliminates manual reconciliation, giving you full visibility and complete control over your cash flow.

Our AI Balance Compensation Agent crosses invoices with credit notes and advances, while your Financial Assistant resolves questions in natural language to give you complete cash flow control.

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We create super administrative teams

85%

less time on low-value tasks

73%

faster payments and reconciliations

96%

fewer data entry errors and incorrect payments

100%

deductible payments to verified vendors

These are our favorite agents for vendor payments

Our Main Agents

AI Payment Planning Agent

Our AI Payment Planning Agent monitors due dates and projects cash flow to suggest what and when to pay. It optimizes batch assembly and anticipates cash outflows, transforming your treasury into a strategic, predictable, and controlled process.

Monitor due dates in real time, analyze your cash flow and receive strategic suggestions to build your batches with complete control.

AI Financial Assistance Agent

Our AI Financial Assistance Agent resolves queries in natural language about invoices, payments, and debts in seconds. With integrated accounting and banking data, it delivers clear answers for agile, secure decision-making based on strategic intelligence.

Consult your finances in natural language. Get clear answers about invoices, payments and variations by supplier in real time to make more agile decisions.

AI Payment Control Agent

Our AI Payment Control Agent ensures compliance with your policies before every disbursement. It evaluates amounts and hierarchies, automatically halting the process when budget deviations or blocked vendors are detected. This way, you strengthen corporate control and reduce risks without adding operational friction.

Guarantee compliance with your payment policies. Our AI Agent detects budget blocks or deviations and stops the process for validation, ensuring complete control without friction.

AI Fraud Protection Agent

Our AI Fraud Protection Agent validates bank accounts and detects unusual changes or atypical patterns before each disbursement. It applies security rules to shield your treasury against impersonation and operational risks, ensuring secure transactions.

Secure your cash with automatic account and supplier validation. Our AI Agent detects atypical patterns or impersonations in each payment to guarantee safe, traceable and controlled transfers.

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AI Agents designed for your business

Our engineering team works with you to understand your processes and build custom AI agents, aligned to your business rules, systems, and daily operations.

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Features for vendor payments

ERP Synchronization

Centralize your treasury by connecting your ERP to automatically import payables. Eliminate manual work and generate batches in seconds with full consistency and control.

Vendor Payments

Process payments securely and traceably via PSE. Schedule individual or batch payments with automatic beneficiary validation—maintaining a detailed history and ensuring full control.

Payment Batch Approval

Set up secure approval workflows for payments. Define levels by amount or cost center so leaders can approve from any device—ensuring strong control without slowing you down.

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Integrations without borders

Sync the tax authority and your communication channels with your ERP. We automate invoice capture and validation so your information flows with total control, visibility, and without human intervention.

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Frequently asked questions

What is an AI agent?

An artificial intelligence (AI) agent is a system capable of perceiving its environment, reasoning based on available information, and acting autonomously to complete a task. Unlike traditional automation, AI agents can adapt, interact with their environment, and operate with their own judgment — executing tasks with speed, precision, and context, just like a human would, but with greater scale and consistency.

At Payana, we're building three types of agents:

Assistants: Review and analyze information to recommend actions such as account ingentries.
Operators: Execute tasks under predefined rules, like ordering payments by due date, recording invoices, or reconciling transactions.
Specialists: Integrate information across systems and coordinate complex flows — such aspayments, reconciliations, and reports — ensuring precision and coherence at every stage.

This approach allows us to move toward a future where financial processes run on their own and human teams focus on higher-value strategic activities.

Unlike traditional automations, AI agents can adapt, interact with their environment, and operate autonomously. They can execute tasks with speed, precision, and context, just like a human would, but at greater scale.

At Payana, we are building three types of agents:

Assistants: Recommend actions that require human validation. Example: suggesting reconciliations between invoices and purchase orders.
Autonomous: Execute tasks within predefined rules. Example: scheduling and executing automatic payments for invoices below a certain amount.
Coordinated Teams: Multiple specialized agents collaborate to execute complex processes. Example: a cash flow created by accounts payable, accounts receivable, and financial analysis agents.

This approach allows us to move toward a future where financial processes run on their own and human teams focus on higher-value strategic activities.

What is Payana?

Payana is an AI agent platform that exponentially increases the productivity of administrative teams by automating processes through the integration of banks, ERPs, taxa uthorities, communication channels, and AI models.At Payana's core, all actors in the financial ecosystem are connected, allowing information toflow in real time, documents to be validated and recorded automatically, payments to be executed with security and traceability, and reconciliations to happen without rework.This way, Payana turns financial administration into a continuous, precise, and control ledend-to-end flow — reducing operational costs, eliminating errors, and improving team efficienc

Payana is an Artificial Intelligence agent specialized in accounting and finance. It is designed to optimize companies’ administrative processes, reducing operational costs, eliminating errors, and improving operational control. The agent centralizes financial information and executes key administrative tasks automatically, helping companies become more competitive and efficient, coordinate teams, and make decisions with greater speed and precision.

What workflows does Payana automate?

Document reception flow: Connects with the tax authority to automate electronic invoice reception and also manages bills and international invoices in the cloud.
Invoice recording flow: Connects your ERP with the tax authority and automates the recording of invoices, bills, and expenses to keep your accounting up to date.
Vendor payment flow: Manages due dates, approvals, and payments with with holding calculations in an integrated flow with your banks, ERP, and communication channels.
Employee payment flow: Manages reimbursements, payroll, and travel expense payments by integrating your banks and communication channels, all from one place.
Reconciliation flow: Automatically reconciles bank transactions, payments, and invoices inreal time, ensuring quick detection of discrepancies.
Control and approvals flow: Oversees the entire financial and accounting cycle with multiple levels of employee approvals and AI agent validations.
Legalization flow: Simplifies how your team reports expenses: receive everything via WhatsApp, organized by project and validated with electronic invoices.

We reduce operational costs: We automate repetitive and manual tasks to free up administrative team capacity.
We eliminate fraud and errors: We verify bank information and document validity before each payment, ensuring precision.
We generate control and traceability: We integrate payments, invoices, and supporting documents into a single system with full traceability.P, and communication channels.

How does Payana help improve my company's financial management?

We reduce operational costs: We automate repetitive, manual tasks to free up capacity from the administrative team.
We eliminate fraud and errors: We verify banking information and document validity before every payment, ensuring accuracy.
We generate control and traceability: We integrate payments, invoices, and supporting documents in a single system with complete traceability.

Smart reception and recording: Integrates ERP with tax authorities to gain order, control, and speed in managing invoices, accounts receivable, and expenses.
Agile and traceable payments: Manages due dates, approvals, and payments through a flow that connects banks, ERP, and communication channels.
Precise reconciliation: Centralizes data from banks, DIAN, and ERP to ensure accounting and tax integrity.
Efficient team coordination: Oversees the entire financial cycle from a collaborative environment integrating purchasing, treasury, accounts payable, and accounting.
Strategic analytics: Centralizes business information for financial decisions based on reliable data.