Capital Flow Governance - Close the Security Vulnerability of the "Last Mile" to the Bank.
Transform your accounts payable department from a purely administrative station into a proactive gatekeeper of your corporate capital. Through a deeply encrypted banking integration via EBICS and native APIs, we establish an unalterable control instance that blocks payment fraud entirely and enables you to steer liquidity across all subsidiaries in real time.
Immutable Audit Trail
Every payment sign-off and account movement is systematically recorded inside a tamper-proof repository.
Instant Audit Readiness
Satisfy all internal and external statutory audit mandates through complete, transaction-level traceability.
AI Anomaly Detection
Proactively isolate irregular payment patterns and structural risks before corporate capital can leave the business.
Why Manual Payment Processes Jeopardise Your Working Capital
In many enterprises, the digital pipeline breaks abruptly after invoice sign-off within the ERP system. The subsequent export of payment files in XML (ISO 20022), CSV, or legacy data formats introduces critical process fragmentation and a massive compliance risk.
At an annual volume of 100,000 invoices, manual downloads followed by browser uploads into various banking portals create severe attack surfaces:
The Tamper Interface
Loose payment files (such as pain.001) can theoretically be modified unnoticed on local machines between export and upload, masking unauthorised IBAN alterations.
The Operational Blind Flight
Without a direct, systematic feedback loop synchronized with your actual bank accounts, short-term liquidity management and cash forecasting remain an error-prone puzzle across fragmented software applications.
Closed Workflows via the Hybrid Banking Integration of capient FLOW
The EBICS Standard & Native API Flexibility (100% Coverage)
Secure Data Tunnel (EBICS)
capient FLOW connects directly to your corporate financial institutions via the highly secure EBICS banking protocol. The manual handling of raw payment files is completely eliminated.
Security Without Exceptions (Native APIs)
For international subsidiaries or private banks that do not support EBICS as a default standard, we deploy modern, native banking APIs as a secure fallback. We guarantee 100% coverage of your banking landscape with zero process fragmentation.
The Pre-Payment Filter - Prevention Over Reaction
Linked Sign-Off Logic
Only payment files that have previously passed the systematic 3-way matching process (purchase order vs. goods receipt vs. invoice line item) flawlessly are cleared by the filter for bank transmission.
Programmatic Transfer Stoppage
Any unauthorised alteration or fraudulent payment file is instantly blocked inside the encrypted data tunnel before capital can leave the business.
Absolute Capital Sovereignty
The final execution authority and payment release power always remain 100% in your hands. capient FLOW operates exclusively as your digital watchman, never as an independent corporate actor.
Complete Transparency & Optimised Cash Performance Across All Units
capient FLOW transforms your payment execution into a strategic asset to protect corporate margins:
Direct EBITDA Yields via Cash-Discount Safeguarding
The platform continuously monitors your liabilities, scheduling payment dates precisely so that negotiated early-settlement discounts never lapse due to sluggish processing cycles.
Intelligent Maturity Management
Payment deadlines are automatically balanced and optimized to maximize your group-wide working capital at any given time.
Multi-ERP Consolidation
Especially within complex holding or matrix structures, capient FLOW consolidates the live cash positions of diverse business units into a central dashboard—regardless of whether subsidiaries run SAP, Microsoft Dynamics 365, Oracle NetSuite, or IFS.
Every Transaction Fully Traceable, Transparent, & Regulated
Immutable Audit Trail
Every single payment sign-off, account movement, and filter action is permanently logged in a tamper-proof manner. This delivers absolute certainty through complete traceability at individual transaction level.
Legal Compliance in the Payment Flow
Satisfy all rigorous criteria for internal and external corporate audits without any manual preparation work. The year-end financial audit evolves into a relaxed, standard operational routine
AI Anomaly Detection
Proactively identify irregular payment patterns before corporate capital leaves the business.
