Fintra Feature

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.
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Guarded Pay Run

Example figures
IN RUN
84 bills
$612,000
RELEASED
79
allow / step-up
HELD
5
dropped with reason
Approved bill, known vendor
allow
New payee
step-up
Bank account changed near payday
hold
Released items post a balanced AP entry
DR AP / CR cash
ACH origination
opt-in, mock by default
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

Questions people ask

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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