No Money Leaves Without a Verdict
For a batch of approved bills, Fintra asks the decision engine about each payment - is this a new vendor, did the bank account change near payday, is the amount an outlier - and drops held or blocked items out of the run with a reason before anything is paid.
Illustrative product view
A decision engine in front of every payment
A normal pay run trusts that everything approved is safe to pay. The guarded pay run doesn’t: it asks the decision engine about each payment first, releases only the ones that come back allow or step-up, and drops held or blocked items out of the batch with a plain reason. Released items post a balanced accounts-payable journal entry natively - the guard and the ledger are the same system.
Why it’s safer than a standalone AP tool
- The verdict is grounded in real finance signals, not a generic rule
- Held items never leave the run - no silent release
- Every released payment posts a balanced journal entry natively
- Payments are keyed idempotently, so a re-run never double-pays
- Every decision is written to the Decision Ledger
Frequently asked questions
What is a guarded pay run?
It is a batch payment run where the decision engine checks every payment before release - new vendor, bank change, amount outlier - and holds or blocks the risky ones with a reason, so no money leaves without a verdict.
Does it actually send money?
The guard is fully real, but disbursement is sandbox-gated: the default provider moves no money, and a live ACH rail is opt-in via configuration only. Re-runs are idempotent, so a payment is never sent twice.
How is this safer than a standalone AP tool?
The verdict is grounded in Fintra’s own finance data, held items can’t silently release, every released payment posts a balanced journal entry, and every decision is logged to the Decision Ledger.
What happens to a held payment?
It drops out of the run with its reason and awaits review. Only items that come back allow or step-up are released.
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Put a decision - with proof - in front of every action
See how Fintra decides allow / step-up / hold / block per action and writes each verdict to a tamper-evident ledger.
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