Automate vendor payouts, invoice matching, approval workflows, and trade credit — using instant Interac or standard EFT, without ever holding your funds.
The Problem
There is a moment in every business that separates the professionals from the amateurs. It is the Tuesday afternoon when a vendor — the one who supplies the material that keeps your production line moving — sends a polite but pointed email.
"Just following up on invoice 4472. It has been thirty-four days. Our terms are net fifteen. We really need to settle this before we can release your next shipment."
You read it and your stomach drops. Not because you do not have the money. You do. But because the invoice is sitting in someone's inbox, or on someone's desk, or in a shared folder named "To Process," and nobody knows whose job it is to approve it, schedule it, and actually push the button.
Meanwhile, your best supplier is questioning whether you are worth the risk. Your credit terms are getting tighter. Your discounts for early payment are evaporating. And your finance team is spending their week chasing signatures and apologizing to people who should be your partners, not your creditors.
What broken AP actually costs
What It Is
The command center where every invoice lands, gets matched, gets approved, gets scheduled, and gets executed — through the fastest, cheapest rail available — while you maintain complete visibility and control.
Enterprise-grade AP engine with approval chains and audit trails.
Same orchestration layer as payroll. Same reconciliation engine.
You orchestrate the flow. Money moves directly. You never hold funds.
Features
Every invoice — uploaded, emailed, or pulled from accounting software — gets parsed automatically. The engine extracts vendor, PO reference, due date, and line items. It matches against open purchase orders. Discrepancies are flagged before a dollar moves.
Build approval chains that match your reality. Utilities under $500 auto-approve. Supplier invoices over $5K route to the department head. Over $25K requires the CFO. Recurring retainers pre-approved. One-offs need project manager sign-off. Escalation paths built in.
Pay vendors in seconds via Interac e-Transfer for Business through VoPay. Five cents per transaction. Up to $25K per transfer. The vendor deposits into any Canadian bank account instantly. You look like a cash-rich, well-run operation.
For regular suppliers on net-thirty terms, execute EFT credits through VoPay. One to three business days. Pennies per transaction. Schedule payments for optimal cash flow without crossing into late territory. Batch hundreds into a single CPA Standard 005 or 006 file.
Every payment initiates through a PAD agreement under Payments Canada Rule H1. Account ownership verified through Flinks. Real-time balance checked before debit to prevent NSF. Money moves from your account to VoPay trust infrastructure, then directly to your vendor.
Fifty percent deposit upfront and fifty percent on delivery? The engine handles this natively. Schedule the first payment, track the remaining balance, and release the second with one click when delivery confirms. Your books stay clean. Your relationships stay intact.
Monthly IT support, quarterly legal counsel, annual insurance broker — set up recurring payment schedules with fixed or variable amounts. PAD initiates automatically. If the amount changes, the system pauses and asks for re-approval before proceeding.
Pay your vendor instantly while collecting from your customer over thirty, sixty, or ninety days via recurring PAD. Preserve supplier relationships and cash flow simultaneously. Credit risk scoring layered in. Not a loan. Not factoring. Just intelligent orchestration.
Running SAP, Oracle, Dynamics, or a custom system that generates CPA Standard 005 or 006 files? We ingest them, execute through modern rails, and return reconciliation data in the format your legacy system expects. Modern infrastructure without migration trauma.
Every payment carries context: invoice number, PO reference, project code, period covered, amount. EFT Standard 006 and 007 carry more remittance than basic payroll formats. Your vendor matches payment to records automatically. Fewer "what is this for?" emails.
Every payment — instant or standard, full or partial, one-time or recurring — is logged in a unified ledger. Reconcile against your GL in minutes. Produce complete payment history for any vendor in seconds. Prove compliance, trace errors, spot anomalies before they become disputes.
Built for Canada
We know Quebec vendors might need French-language remittance details. We know construction subcontractors require T5018 tracking. We know contractors invoicing over $500 annually need T4A slips. We know some provincial sales taxes apply to certain vendor services and not others.
The engine handles these nuances because they are not edge cases. They are the daily reality of Canadian business. Canada is the foundation. The world is the extension.
Who It Is For
You have ten to twenty vendors. You are still paying some by cheque. Invoices get buried in your inbox. You need a system that makes you look like you have a finance department when it is just you and your bookkeeper.
You juggle payroll, rent, supplier payments, and tax remittances. You need to know exactly when each payment hits to preserve your operating buffer. You need a calendar view, optimal scheduling, and instant payment when strategy demands it.
Your production depends on raw materials arriving on time. Your technology depends on hosting bills being current. You get the angry call when a payment is late and the line stops. You need visibility into every pending payment and bottleneck.
You know early payment discounts exist. But your current process is so slow you can never capture them. With instant Interac and automated scheduling, you negotiate net-ten terms, capture 2% discounts, and build a reputation as a preferred buyer.
You manage payables for three to ten small businesses. You are logging into multiple bank portals and accounting systems. You need a single platform to oversee all clients, execute payments, and reconcile everything in one place.
Pricing
We do not charge a percentage of your vendor payments like a tax on your cost of goods sold. For organizations using the full Jmoor platform, the B2B Payments module is part of the unified subscription.
Included with every Jmoor subscription. Recruitment, HR, payroll, and vendor payments — unified from day one.
B2B payments as your entry point. Per-transaction fees for instant Interac, per-file for EFT batches, platform fee by vendor count.
The Handoff
Your operations team receives an invoice. They email it to finance. Finance enters it manually. They print it, walk it to a manager for signature. The manager is traveling. Three days pass. Finance discovers the vendor's banking details are from 2021 and no longer valid. The vendor calls angry. The shipment is delayed. The customer order is missed.
When the B2B Payments module lives inside Jmoor, those fractures heal. The invoice matches against the PO approved in the same platform. The manager signs off from the airport. The payment executes on the right rail. Banking details were verified on onboarding. Reconciliation happens automatically.
Before vs After
Resilience
A vendor changes their bank account and forgets to tell you. An invoice arrives with a duplicate number. A payment bounces because your customer's deposit cleared a day later than expected. The engine handles these moments with intelligence, not panic.
Exception handling
Your vendors are not faceless corporations. They are the partnerships that fuel your growth — and they deserve a system that treats them that way.
