Pay Every Vendor, From Every Location, On One Platform

Half your vendors are already enrolled on day one, with no outreach required from your AP team. onPhase's supplier adoption team handles the rest. Suppliers track their own payment status through the portal, which means the "where's my payment" calls that used to land on your desk stop coming.

ACH, enhanced ACH, virtual card, check, domestic wire, and international wire all run through the same platform. Your team approves and pays from the same place, and every cleared payment syncs back to your ERP automatically. Nobody is switching tools based on how a supplier wants to get paid.

Every transaction is validated against 300 data points before it releases. The platform screens against sanctions lists and flags anomalies in real time, before a payment clears. Bank detail changes on existing vendors trigger automatic re-verification, which is how we protect against the most common form of business email compromise fraud without adding a manual review step.

Set payment rules by user, bank account, or location without compromising security or audit visibility. Multi-entity finance teams get a single workflow across every entity, with centralized visibility and entity-specific controls where the business requires them.

Virtual card generates cash rebates on eligible payments. Enhanced ACH extends that earning to suppliers who won't accept card, so the return doesn't depend on 100% virtual card enrollment. Returns start from the first payment cycle on what your team is already paying.

Pay suppliers in 140+ currencies across 200+ countries directly from your AP workflow. Exchange rates are competitive and locked at the time of payment, so the amount your supplier receives is the amount you intended to send. Compliance checks and beneficiary verification run on every cross-border transaction before it clears.