Vendor payment automation for ACH, virtual card and check

After invoices are approved, someone still has to print and mail checks, collect vendor bank details and answer calls asking where a payment is. DTI automates that work with IronPay, our payment automation partner. You approve the payment run, each vendor is paid the way they've agreed to be paid, and payment status comes back to accounting.

Walk through your vendor payments with us How card rebates work

ACH, virtual card and check
No need to change banks
Vendor enrollment handled for you

Accounts payable specialist reviewing invoices for payment

How vendor payment automation works

Your team keeps control of what gets paid and when. The work of getting each payment out the door, and answering questions about it, moves off your desk.

You approve the payment run

Your team selects and approves what gets paid, the same way it does today. Nothing goes out without your approval.

Each vendor is paid their way

Vendors that accept card are paid by virtual card. Others are paid by ACH, and the rest by check, printed and mailed for you.

Vendor enrollment and follow-up

We contact your vendors, collect payment preferences and banking details, and handle their payment questions, so those calls stop landing on your AP team.

Status back to accounting

Payment status comes back to accounting, and vendors receive remittance details with each payment, so fewer of them call to ask what a payment covers.

What changes for your AP team

Paying vendors takes more than the payment itself: printing, signing and mailing checks, answering vendor calls, and keeping banking details current. That's the work that moves off your team.

Fewer checks to print, sign and mail
Fewer "where's my payment" calls
One process for checks, ACH and cards instead of three
Rebates on the spend your vendors accept by card
Payment status visible to accounting without asking around

Finance team reviewing vendor payment status together

How virtual card rebates work

When a vendor accepts payment by virtual card, the vendor pays the card processing fee, and a share of that fee comes back to your company as a rebate. Your rebate depends on how much of your spend moves to card.

Enrollment matters more than the rate

The number of vendors who actually enroll matters more than the rebate percentage on paper. A higher rate on a small share of your spend can pay less than a standard rate on a larger share. We'll show you the math using your own vendor list before you decide anything.

Not every vendor will take a card

That's expected. Vendors that decline card aren't pushed. They're paid by ACH or check through the same process, so you still have one way of paying every vendor, and your team doesn't manage exceptions on the side.

Do you have to change banks?

No. Your banking relationship stays where it is.

Checks still come from your account

Checks are drawn on your own bank account, the same as today. Only virtual card payments are funded ahead of time. Payment automation changes how payments are prepared and sent, not where your money is held.

Already have a card program through your bank?

Compare total rebate dollars and how many vendors each program actually enrolls, not just the rate. Also ask who handles vendor enrollment and payment questions, because if the provider doesn't, that work lands on your AP team. We'll run that comparison with you.

Vendor payments for Penta customers

If your team still prints most vendor checks out of Penta, payment automation gives you a more modern way to manage vendor payments alongside Penta: choose how each vendor is paid, see where every payment stands, and print fewer checks. The checks that still go out are drawn on your own bank account.

Payments don't have to wait for the rest of AP. If invoices are still processed by hand, we can start with payments, with invoices, or with both.

AP automation for Penta customers

Questions about vendor payment automation

See the full invoice to payment process

Do I have to change banks to automate vendor payments?

No. Checks are still drawn on your current bank account, and only virtual card payments are funded in advance. Your banking relationship stays where it is.

What if our vendors don't accept credit cards?

Card is offered to vendors, not forced on them. Vendors that decline are paid by ACH or check through the same process, so you still have one way of paying everyone.

How do virtual card rebates work?

When a vendor accepts a virtual card payment, the vendor pays the card processing fee, and a share of that fee comes back to you as a rebate. The amount depends on how much of your spend vendors accept by card, so enrollment matters as much as the rate.

We already have a card program through our bank. Why look at another option?

Compare total rebate dollars and vendor experience, not just the rate. A higher rate that enrolls few vendors can return less than a standard rate that enrolls many. Also look at who handles vendor enrollment and payment questions. We'll run the comparison using your own vendor list.

Do we need to automate invoice processing first?

No. You can start with payments, with invoices, or with both. Most companies start where their team spends the most manual time.

How does payment automation connect to our ERP?

Approved payments come from your ERP, and payment status goes back to it, so your ERP stays the system of record. We work with Penta and other ERP systems, and confirm what yours supports before recommending an approach.