Supplier payments automation the practice runs across every client pay run with bank checks built in.
Let AI Agent run your supplier payments
Group payments
"Group this week's approved supplier invoices into payment runs for this client in Xero. Pull every approved invoice past the practice's payment-prep threshold, group by due date, payment method (Bacs, Faster Payments, CHAPS), supplier bank status and cash availability. Apply the practice's pay-run policy: which days the practice prepares, what categories pay early, what pay net of credit notes. For invoices nearing the late-payment threshold, recommend the pay run for senior approval. If a supplier is on the hold list, ask me whether to release or hold. Pause before publishing the proposed pay run. Save a note for the practice manager listing groups proposed, holds and items awaiting senior decision."
Validate bank details
"Validate supplier bank details across this client's proposed pay run in QuickBooks. For each supplier, check sort code, account number and account name against the practice's preferred validation source. Use confirmation of payee where the bank supports it. Compare current bank details against the supplier history. For suppliers with recent bank changes, trigger a verification call to a known number on the supplier file. If a validation fails or a check is inconclusive, ask me whether to hold the supplier or refer to the senior. Pause before approving any change to a supplier's bank record. Save a note for the practice manager listing validated, flagged and held suppliers ready for senior sign-off."
Screen for BEC risk
"Screen this client's proposed pay run for business email compromise risk in Sage 50. For each supplier change request received in the period (new bank details, new invoice address, new contact, urgent payment request), check the sender domain against the supplier domain on file, scan for the hallmarks of BEC (urgency, unusual senior reference, near-identical domain) and trace the request back to a confirmed source. Pause any payment to a supplier where the verification trail is incomplete. If a request fits a BEC pattern, ask me whether to suspend the supplier and notify the practice's information security contact. Save a note for the practice manager listing requests cleared, suspended and items awaiting senior decision."
Issue remittances
"Issue remittance advices after this client's payment file is submitted from FreeAgent. For each supplier paid, generate a remittance advice listing invoices paid, the payment date, the payment method and any deductions or credit notes applied. Send the remittance through the agreed channel: by email for suppliers on the email list, or post to the supplier portal where the supplier has one configured. Track delivery status and chase any bounced email through the supplier's alternative contact. If a remittance bounces and no alternative is on file, ask me whether to chase the supplier or to refer to the senior. Pause before resending. Save the remittance log to the payment run pack on Google Drive."
Up to 80% lower cost per pay run
Bacs prep, Faster Payments batches, supplier bank checks and approval routing stop landing on staff one payment at a time. The AI Agents repeat the pay-run motion across every client book, which delivers up to 80% lower cost to serve per pay run, with the signatory keeping final release.
Payment runs that remember each client's signatory rules
Signatory rules vary widely: single approval under one threshold, dual approval above, partner sign-off for high-value or new-supplier payments. Minded remembers each client's matrix and routes invoices through correctly. Tie this to AP automation with AI so capture, approval and payment run as one motion.
One payment flow across Xero, QuickBooks, Sage 50 and FreeAgent
A real practice prepares payment runs across clients on Xero, QuickBooks, Sage 50 and FreeAgent at the same time. The same grouping, validation, BEC screening and remittance motion runs in every ledger. See treasury management with AI and three-way match with AI for adjacent treasury and AP work.
How is this different from Tipalti or Bill.com?
Tipalti and Bill.com target in-house AP departments at a single company. Minded runs the practice-side payment-run motion across many client books: grouping by due date and scheme, validating supplier bank details, screening for BEC risk and issuing remittance advices, with signing kept by the practice's named signatory.
How does the agent run Bacs, Faster Payments and CHAPS?
The agent groups approved invoices by due date, payment method and supplier bank status, prepares the Bacs file for batch submission, the Faster Payments batch for same-day low-value payments and CHAPS instructions for high-value same-day payments. The submission stays with the practice's named signatory.
How are supplier bank details validated against fraud risk?
The agent validates supplier bank details with the practice's preferred check (sort code lookup, confirmation of payee where supported) and compares against the supplier history. Any recent change to bank details triggers a verification call to the supplier through a known number, not the contact on the invoice.
What about screening for business email compromise on vendor changes?
Bank-detail changes received by email are treated as high risk by default. The agent flags any change request, verifies through a known channel before posting, checks the sender address against the supplier domain on file and pauses the payment if any anomaly appears in the verification trail.
How are remittance advices issued and tracked?
After the payment file is submitted, the agent generates a remittance advice per supplier listing invoices paid, the payment date and the payment method. Remittances are sent through the agreed channel (email or supplier portal) and the issued log is saved alongside the payment run pack.