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Platform overview Procurement Payments
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Accounts Payable module · shipping today

The controls a Controller would build, if a Controller built the software.

One of them did. This is what that produced: reading that waits for a human, duties that stay separated under pressure, a match gate that blocks rather than warns, and payments that re-check themselves in the seconds before money leaves.

15
Fraud signals screened on every bill
9
Segregation-of-duties controls
4
Payment rails — ACH, wire, check, SWIFT
0
Posted documents that can be edited
01 — AP INBOX & CAPTURE

Automation that stops short of the decision

Most AP automation is sold on the promise that invoices process themselves. That promise is exactly what a Controller is accountable for when it goes wrong — because a bill that was created, coded and queued without a person reading it is a bill nobody can honestly say was reviewed.

PayCure inverts the default. Documents arrive and stay unread. When someone chooses to read one, AI extracts the header and line data and stages a draft for review. The machine does the typing; the person does the deciding.

How it works

  1. Documents land unread. Invoices, credit memos, W-9s and vendor documents collect in one inbox with no processing applied.
  2. Reading is on request. One click per document. Nothing is extracted, coded or created until a person asks for it.
  3. Extraction into a draft. Header and line data are pulled into a draft bill that the reviewer edits, corrects, or discards.
  4. Drafts persist. Vendor, dates, coding and attachments are held indefinitely. Park a difficult invoice mid-task and come back to it — nothing is lost and nothing is forced through.
  5. Submit deliberately. Only a submitted draft enters the approval workflow. The boundary between "captured" and "in flight" is a human action.

On the read allowance. Plans include 3,000 AI document reads per subscription year, shared across bills, credit memos and vendor documents. Because reading is on request, the allowance is spent on documents you chose to process — not on every piece of spam that reaches the inbox.

Inbox
7 documents
Read with AI
DocumentStatusAmount
PDF acme-cloud-nov.pdfUnread
PDF northline_1127.pdfRead · draft staged$4,215.60
W9 W9_Trident.pdfVendor document
CM creditmemo_0492.pdfUnread
PDF trident_2204.pdfDraft · parked$7,480.00
02 — FRAUD SCREENING

Fifteen signals, run before anyone is asked to approve

Payment fraud against mid-market finance teams rarely looks like fraud. It looks like a familiar vendor, a plausible amount, and a short note explaining that the bank details have changed. It succeeds because it arrives inside a normal workflow and gets a normal approval.

PayCure screens every bill before it reaches an approver. The checks are deterministic rules, not a model that learns — which means they behave identically every time and can be explained to an auditor line by line.

What the signals look for

  1. Vendor typosquatting. A payee whose name or sending domain closely imitates a real vendor already on file.
  2. Recent bank-detail change. The business email compromise pattern — account details altered shortly before an invoice arrives.
  3. Threshold shaving. Amounts sitting just below an approval limit, where a slightly larger bill would have needed a second signature.
  4. Same-day splits. A single obligation divided across multiple invoices on the same day to stay under a control.
  5. History anomalies. Amounts, frequencies or terms that don't fit the vendor's own established pattern.
  6. …and ten further checks across duplicate detection, payee mismatch and document consistency.

What happens to a flagged bill

Where it goesNeeds review — not the approval queue
What the reviewer seesThe signal that fired and the evidence behind it
BehaviourDeterministic — same input, same result, every time
ExplainabilityEvery flag traces to a named rule
What it is notNot a learning model. Nothing drifts between audits.
03 — VENDOR VERIFICATION

The strongest control is the one applied before the vendor exists

Screening bills is a second line of defence. The first is refusing to create a payable vendor whose bank details were never validated and whose name was never checked against a sanctions list.

PayCure uses a single vendor form across all three onboarding routes — manual entry, AI-assisted capture, and vendor self-service. Three paths, one set of validations, so no route becomes the soft one.

At onboarding

  1. OFAC screening. Checked against official U.S. Treasury sanctions lists before the vendor can be approved.
  2. Real bank-detail validation. Account numbers validated with genuine checksums for the US, Brazil, Mexico, India, Canada and the UK; roughly 70 further countries via IBAN; SWIFT elsewhere.
  3. Separated duties. The person who onboards a vendor is not the person who approves it, and the person who changes bank details is not the person who verifies them.
  4. One form, three routes. Manual, AI-assisted and self-service onboarding share the same form and the same validations — they cannot drift apart over time.

Deep where it counts, honest everywhere else. Six markets get true local-rail checksum validation. Everywhere else is covered by IBAN or SWIFT structure validation — real coverage, described accurately rather than as "any currency, anywhere."

Bank validation coverage

Local-rail checksumsUS · BR · MX · IN · CA · UK
IBAN validation~70 further countries
ElsewhereSWIFT
SanctionsOFAC, official U.S. Treasury lists
GateVendor approval — not payment time
04 — APPROVALS & SEGREGATION OF DUTIES

Nine controls that hold when the team is short-staffed

Separation of duties is easy to write into a policy document and hard to keep alive in a five-person finance team during a close. The moment someone is on leave, the practical answer is usually to let one person do both halves "just this once" — and that exception is where losses happen.

PayCure enforces the separation in software. Each control can be switched off deliberately, thresholded by amount, or overridden with a written reason — but never bypassed silently.

ControlWhat it stops
Enter ≠ approveKeying a bill and approving your own entry
Approve ≠ payApproving a bill and releasing its payment
Onboard ≠ approve vendorCreating a payee and activating it yourself
Change ≠ verify bankAltering bank details and confirming them alone
Issue ≠ reverse creditIssuing a credit memo and reversing it unseen
+ four further controls, each configurable

Delegation transfers real authority. When a Controller delegates before leave, the delegate inherits their approval authority for the delegation period — bills route to the delegate rather than waiting — and authority reverts automatically when it expires. No stuck approvals, and no shared password.

How an override works

Silent bypassNot possible
To proceedA written reason is required
RecordedPermanently, against the person
ConfigurableDisable, or apply above an amount
Audit positionSOX-ready by mechanism, not by badge
05 — THREE-WAY MATCH

A gate, not a warning banner

Most systems that advertise three-way matching produce a warning. The approver sees a yellow flag, recognises the vendor, assumes the difference is a freight line, and approves. The control was present and made no difference.

In PayCure a failed match blocks approval. To proceed, the approver must write a reason, and that reason is audit-logged permanently against their name. It takes ten seconds — but it converts an ignored banner into a decision someone owns.

How matching is applied

  1. Three-way where goods exist. Purchase order, goods receipt and invoice are compared line by line.
  2. Two-way for service lines. Where no receipt exists because nothing physical arrived, matching falls back to order and invoice automatically — derived from the line type rather than configured per vendor.
  3. Failure blocks. Approval is unavailable while the match is failing.
  4. Override is deliberate and owned. A written reason, permanently logged, attributable to a named person.
Match — BILL-4471
PO-2093 · receipt RCV-0881 · invoice
Failed
LineReceivedInvoiced
Steel brackets480520
Install labourservice$4,400
Freight$1,200$1,200
Approval blocked · quantity variance +40 units. Override requires a written reason, logged permanently.
06 — IMMUTABLE SETTLED HISTORY

Corrections leave a trail. They don't erase one.

The quiet risk in most AP systems is the edit. A posted bill is amended to fix a coding error, a paid invoice is voided and re-entered at a different amount, and the record of what actually happened is gone. Nothing looks wrong afterwards — which is precisely the problem.

In PayCure, posted documents are immutable at the database level. Not discouraged by permissions; not possible. Corrections are made by issuing a reversing document, and the reversal's amount is derived from the original rather than typed by a person who might mistype it.

The correction ladder

Draft billEdit freely — nothing has been posted
Posted, unpaidVoid with a reason, on the record
PaidReverse — never void
Credit against a paid billReversed, amount derived from the original
Any posted documentCannot be edited — enforced in the database

Why derived rather than typed. A reversal keyed by hand can be keyed wrong — and a wrong reversal against a paid bill is one of the hardest errors to find, because both documents look individually reasonable. Deriving the amount from the source removes the opportunity entirely.

What this gives you at audit. Every state a document passed through is still queryable: what it said when it was approved, who approved it, what changed afterwards and why. You are never reconstructing history from memory or from a backup.

07 — PAYMENTS

Three checkpoints between approved and gone

The most expensive window in accounts payable is the gap between a payment being scheduled and the funds actually moving. Bank details can change in that window. An amount can be wrong in that window. Once the money has left, everything is recovery rather than control.

PayCure puts three deliberate checkpoints in that gap — and refuses to offer batch payment, because paying fifty bills with one click is how a wrong amount leaves without anyone seeing it.

The safety sequence

  1. Cancel window. After scheduling and before the debit initiates, the payment can still be pulled back.
  2. Payout hold. After funds are drawn and before release to the vendor, a hold applies — a final checkpoint while the money is in transit rather than gone.
  3. Bank re-verification at execution. The vendor's bank details are checked again at the moment of execution. If they changed after the payment was scheduled, it is blocked rather than sent.
  4. Release through a licensed money-mover. Funds never touch PayCure's balance sheet. We are not holding your money at any point in this sequence.

No batch pay, deliberately. This is a decision, not a missing feature. Bills are scheduled and released individually so that each amount is seen by someone. A Controller will recognise the trade-off — slightly more clicking, dramatically less exposure.

Rails & scope

DomesticACH · domestic wire · printed check
InternationalSWIFT wire
Batch paymentNot offered, by design
Funds custodyLicensed money-mover — never PayCure
Bank change mid-flightPayment blocked at execution
08 — YOUR DATA, AND AN OPTIONAL SYNC

PayCure is the system. The integration is a convenience.

Vendors, bills, purchase orders, approvals, receipts and payment history are held in PayCure and stay there. A company can run its entire AP and procurement function here with nothing else connected — nothing is disabled, degraded or half-functional without an integration.

If QuickBooks Online is already part of your stack, connect it and the two stay in step without re-keying. That is the one integration available today, and we will describe any others as roadmap until the day they are live.

Standalone vs connected

Accounting system requiredNo
Records held inPayCure
Available integrationQuickBooks Online
Sync directionTwo-way
Sync triggersOn demand · scheduled · webhooks
Other systemsRoadmap — ERP-agnostic layer
Integrations
Optional · PayCure runs without one
QBO connected
↑ Bill approved in PayCure → posted to QuickBooksSynced
↓ Vendor updated in QuickBooks → reflected in PayCureSynced
↑ Payment recorded → matched to the billSynced
Other accounting systemsRoadmap
The second module

Procurement, on the same records

Requisitions with dimension enforcement, blanket POs with not-to-exceed caps, adverse-change amendment control, a no-login vendor portal, and receiving that blocks over-receipt past your tolerance. Built, shipping, and licensed separately.