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Add Vendor Payment Automation to Your Commercial Offering
Commercial clients are already asking about accounts payable automation. Offer a white-label solution instead of sending that conversation, and the deposits behind it, somewhere else. REPAY runs the platform, the vendor enrollment and the payment operations. The bank keeps the client, the data and the deposits.
The Question Is Already Coming to the Bank
Commercial clients treat their bank as the first call for anything that touches money movement, including how to automate what still leaves as a paper check. Without an answer, that conversation — and the deposits behind it — goes to a different provider.
The First Call
Commercial clients already ask their treasury contacts about AP automation. Referring that question out means someone else answers it and someone else earns the relationship that comes with the answer.
Left Out of RFPs
Deposits Leave With the Payables
Check Fraud Remains a Live Risk
New ACH Fraud-Monitoring Duties
Share of Wallet Gets Harder to Defend
Without visibility into a client’s outbound payables, a bank can’t see which relationships are growing, or where else that client’s business could go.
These aren’t hypothetical. They’re the reality of running commercial treasury relationships today, and they compound as a bank’s commercial book grows.
A White-Label Way to Keep the Relationship
REPAY doesn't ask a bank to build a payments operation. REPAY provides one — under the bank's brand, integrated with systems the bank already runs, supporting the bank's clients directly. REPAY has processed payments since 2006 and moves $25.7B in card payment volume annually, so the infrastructure behind a bank's brand is already proven at scale.
A client sends one approved payables file. REPAY turns it into payments, enrolls the vendors, and returns reconciliation detail. The bank keeps the client, the deposits and the data.
A Payments Team Behind the Brand
- Named implementation resources through integration, branding and configuration
- Ongoing relationship management and product support tailored to the bank’s program
- Sales training for the treasury team, including how to answer where client funds sit
- Go-to-market and co-branded collateral support
- The REPAY team joins client conversations when payments expertise is useful in the room
- A vendor network of 800K+ already enrolled, so a client's own vendors may already be reachable on day one
Configuration, Not Construction
- Every payment method — ACH, virtual card, wire and check — out of a single approved file
- A broad, growing library of native ERP and accounting system connections, plus a full REST API, so clients aren’t asked to change systems
- Live in weeks once a bank’s portfolio is scoped, not quarters
- One consistent process across every client and every location
Why SouthState Bank Chose REPAY
SouthState wanted to expand its treasury management offering without creating additional operational burden. By partnering with REPAY, the bank launched a vendor payments program that’s easy to implement, simple to support and delivers value for both SouthState and its commercial customers.
- Kickoff to first payment in only a few days — fast enough that relationship managers can lead with the timeline, not caveat it
- Vendors enrolled at the time of payment, eliminating large enrollment campaigns
- Managed payment operations — REPAY Payments Specialists handle support, preference updates, reissues and exception handling
- Built-in fraud support, including a suite of payment protection tools
“We can confidently recommend REPAY because we know the implementation and ongoing support experience reflects well on SouthState.”
— Alex Keene, SVP & Treasury Management Digital Product Manager, SouthState Bank
From Approved File to Paid Vendor
Here’s exactly how a payment moves once a client’s approved file reaches REPAY.
Client Approves the Batch
One file, all methods, submitted through the client’s own approval workflow.
Payments Are Funded
Specialists Work the Vendors
A live, U.S.-based specialist calls each vendor while the payment is waiting, walking through virtual card, then ACH, then check.
Payments Go Out
Released by the method each vendor accepts.
Both Legs Reconcile
Status, clearing detail and remittance data return to the client automatically.
Control and Compliance Built In, Not Bolted On
Banks need a payment partner whose technology, processes and support can stand up to risk and vendor-management review. REPAY supports vendor payments with controls designed to protect payment data, reduce check and ACH risk and strengthen oversight.
- Positive pay support to help confirm check validity
- ACH validation to help reduce return risk
- Access permissions and dual control
- Tokenization, encryption and secure payment-data storage
- Managed exception handling and U.S.-based support
Resources for Bank & Treasury Teams
How It Works
Security & Controls
Fight Payables Fraud
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Start With Your Book, Not Our Deck
Tell the REPAY bank team the shape of a commercial payables portfolio, and get a clear read on where the opportunity is and how quickly a first group of clients could be live.
Blogs
The Hidden Cost of Manual Vendor Payments in Local Government
A Healthcare Finance Leader’s Guide to Evaluating Vendor Payment Partners
