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Platform overview Procurement Payments
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The PayCure platform

One procure-to-pay platform. Two modules. Every control enforced.

Accounts Payable and Procurement, licensable separately, built on the same spine: QuickBooks Online two-way sync, segregation of duties, and an audit trail that never gets rewritten.

01 — AP Inbox & Capture

AI-assisted capture, with a person in charge

Invoices, credit memos, W-9s, and vendor documents land in one inbox — unread. When someone chooses to read one, AI extracts the fields and stages a draft bill for human review. Nothing is filed without a person looking at it.

  • One-click AI reading, on request — never automatic
  • Drafts persist with vendor, dates, coding, and attachments until you submit — nothing enters approval until you say so
  • 3,000 AI document reads per subscription year included — shared across bills, credit memos, and vendor documents
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
02 — Fraud & Vendor Verification

Fifteen signals on every bill. Verification at every gate.

Deterministic screening runs on every bill before approval, and vendor verification gates onboarding — not as add-ons, but as steps every document and every vendor passes through.

Bill screening — 15 signals

Vendor typosquatting, a recent bank-detail change (the business-email-compromise pattern), amounts just under an approval threshold, same-day splits, and anomalies against the vendor's own history. Flags route to review with the evidence attached.

OFAC screening at onboarding

Vendors are screened against official U.S. Treasury sanctions lists before they can be approved. One vendor form serves manual, AI-assisted, and self-service onboarding — so the three paths can't drift apart.

Bank details, validated for real

Account numbers are validated with real checksums for the US, Brazil, Mexico, India, Canada, and the UK; ~70 further countries via IBAN; SWIFT elsewhere. Deep local-rail validation for six major markets, worldwide coverage via SWIFT/IBAN.

03 — Approvals, Matching & Controls

Nine segregation-of-duties controls. One hard match gate.

Each control can be disabled, amount-thresholded, or overridden with a written reason. Every override is permanently logged. That's what SOX-ready means here — not a badge, a mechanism.

ControlWhat it prevents
enter ≠ approveThe person who keys a bill can't approve it
approve ≠ payThe approver can't also release the payment
onboard ≠ approve vendorCreating a vendor and activating one are separated
change ≠ verify bankA bank-detail change needs a second person to verify
issue ≠ reverse creditCredit memos are reversed by someone other than the issuer
+ 4 moreEach thresholdable, each override logged with a reason

Three-way match: a gate, not a warning

PO, receipt, invoice. A failed match blocks approval — full stop — unless the approver writes an override reason that is permanently audit-logged. Two-way matching applies automatically to service lines, where no receipt exists.

Delegation that transfers authority

When your Controller delegates before leave, the delegate inherits their approval authority for the delegation period — approvals route to the delegate, and authority reverts automatically when it ends. No stuck bills mid-close.

Settled history is immutable

Posted bills can't be edited — at the database level. A credit memo against a paid bill is reversed, never voided, and the reversal amount is derived from the original document, never typed by hand.

04 — Payments

Four rails. One safety sequence. No batch pay.

ACH, domestic wire, printed check, and international SWIFT wire. Every payment is scheduled individually and passes the same checks — because paying fifty bills in one click is how a wrong amount leaves unnoticed.

  • Cancel window before the debit; payout hold after funds are pulled
  • Bank-detail re-verification at execution — if the vendor's account changed after scheduling, the payment is blocked
  • Funds move through a licensed money-mover — PayCure never holds customer money on its balance sheet
Payment — BILL-3308
Müller Werkzeuge GmbH · SWIFT wire
Payout hold
Scheduled — cancel window open
Cancelable until the debit initiates
Funds pulled — payout hold
Held before release to the vendor
Bank details re-verified at execution
Changed since scheduling → payment blocked
4
Released via licensed money-mover
Never held on PayCure's balance sheet
05 — QuickBooks Online Sync

Built for QuickBooks Online. Your ledger stays authoritative.

Two-way sync keeps QuickBooks the single source of truth — bills, vendors, payments, and accounts flow both directions on demand, on schedule, and via webhooks. No migration, no parallel ledger.

  • QuickBooks Online is our one integration today — we'd rather do one deeply than six on a slide
  • Sync runs on-demand, on schedule, and on webhook events from QuickBooks
  • The integration layer is ERP-agnostic by design — more integrations are on the roadmap
Sync — QuickBooks Online
Two-way · on-demand, scheduled, webhooks
Connected
↑ Bill approved in PayCure → posted to QuickBooksSynced
↓ Vendor updated in QuickBooks → reflected in PayCureSynced
↑ Payment recorded → matched to the bill in QuickBooksSynced
↓ Chart of accounts refreshScheduled
06 — Procurement Module

Requisition to receipt. Built, shipping, licensed separately.

A complete procurement workflow on the same platform as AP — so the PO your buyer raises is the PO your match gate checks and the commitment your CFO sees.

Requisitions

Line items, need-by dates, required-dimension enforcement, and approval routing. Conversion to PO is atomically claimed — a double-click can't create two POs.

Purchase orders

Full lifecycle, including blanket and standing POs with not-to-exceed caps and releases against them.

Amendment control

Editing an approved PO forces re-approval only when the change is adverse — price up, terms shortened, vendor changed, quantity increased. A price cut keeps its approval. Superseded versions are snapshotted.

Vendor portal

No login required. The vendor accepts with a delivery date, requests a change, declines with a reason, submits an advance ship notice, or messages the buyer.

Receiving

Partial receipts; over-receipt blocked past a configurable tolerance unless overridden with a logged reason; per-line quality inspection; rejected goods automatically raise a debit memo; void/reverse with reason.

Proof of delivery

In-person signature capture, or a secure emailed link when the recipient isn't at the dock.

Received, not invoiced

Open-item tracking plus a GR/IR ledger that ties to the clearing account — so accrual season stops being archaeology.

Procurement dashboard

Open commitments, a 13-week commitment forecast, open-PO aging, and the vendor pushback queue in one view.