An AI payment batch agent groups approved payments by paying entity, bank account, currency, payment method and value limits, producing batches that your bank or payment tool can accept.
The agent lists payments ready for batching.
It groups by bank account, currency and method.
It tests batch size against bank and policy limits.
A treasury analyst reshapes batches if needed.
Batches are staged for approval.
The agent summarises each batch.
It checks each batch for limits and rules, such as a maximum batch value, a cap per payment, a country restriction or a cut-off time, and splits a batch if it breaches them.
It reconciles the batch total to the underlying invoices, so the approver can see that what is in the batch matches what was approved.
Batching looks like clerical work, but a wrongly formed batch can fail at the bank, delay many suppliers at once or pay from the wrong account.
Banks set limits on value, count and cut-off times.
A batch must contain only matching items.
A late edit changes an invoice but not the batch.
A rejected batch delays every supplier in it.
Staff divide large batches by hand and may miss items.
The agent takes the approved, released-for-batching items from the run.
It groups them by paying entity, account, currency and method.
It tests each group against value, count and timing limits and splits where needed.
It checks that the batch total equals the sum of the approved invoices and flags differences.
Each batch goes to a finance approver with its contents and checks.
Bring a small sample and watch Flo work through it.
| Aspect | By hand | With the agent |
|---|---|---|
| Grouping | Batches are grouped by hand. | Payments group by account, currency and method. |
| Limits | Limit breaches show at the bank. | Batches are checked against limits first. |
| Mixed methods | Wire and ACH payments mix up. | Methods are kept separate. |
| Splitting | Splitting is done by eye. | Oversize batches split with a clear rule. |
| Traceability | Items cannot be traced to a batch. | Each item shows its batch. |
| If | Then | Who decides |
|---|---|---|
| Payments share currency and method | Places them in one batch | None |
| Payments use different source accounts | Separates the batches | None |
| Batch exceeds the limit | Splits it | Treasury confirms |
| Payment method unsupported for the payee | Flags it | Treasury decides |
| Single payment is unusually large | Places it in its own batch | Treasury decides |
| Batch is final | Passes it to approval | Approver reviews |
The agent keeps urgent payments in a separate batch. Treasury confirms.
The agent adds it to the next open batch or creates one. Treasury decides.
The agent reconciles items and shows the gap. The analyst fixes it.
The agent notes each cut-off and groups items accordingly. Treasury confirms.
Talk it through with the team. We will map it to your steps and show where a person stays in control.
Begin by currency.
Apply bank limits.
Define splitting.
Show batch for each payment.
This shows how well batches are formed. Rejections point to limit rules or data fields that the agent should check earlier.
Quick answers to what people ask most about payment batch.
Book a demoIt is a group of payments combined for processing together through one bank, account or payment method, usually in a single file or submission.
It groups approved items by entity, account, currency and method, then applies your limits and splits batches that exceed them.
No. It prepares and checks batches. Approval and submission are done by authorised people through your payment process.
The agent flags the difference and the items involved, and the batch is not passed to approval until a person resolves it.
A payment run is the scheduled process of gathering approved invoices due for payment and paying them together, typically weekly or by payment method.
→Bank file generation is the creation of the payment instruction file that a bank accepts, listing each payee, account, amount and reference in a required format.
→Payment scheduling is the step of deciding on which date each approved invoice should be paid, balancing due dates, early-payment discounts, cash availability and supplier terms.
→Payment approval is the final authorisation, usually by finance, of a payment or batch before money is released, separate from the earlier approval of the invoice itself.
→Bring a small sample of real items. We will show what Flo handles on its own and where it hands over to your team.
