Catch Overbilling Before You Pay It, Not After
Every matched bill is checked against its purchase order and goods receipt automatically - quantities, prices, and totals compared before any payment approval.
Illustrative product view
What 3-way match in Fintra does
Overbilling rarely looks dramatic - a slightly higher unit price, a quantity rounded up, a line added that was never ordered. Three-way match catches exactly this: Fintra automatically compares the vendor bill against the original purchase order and the goods receipt confirming what actually arrived, before the bill is eligible for payment approval.
- Automatic comparison of bill quantity and price against the PO
- Cross-check against goods receipt to confirm what was actually received
- Tolerance thresholds you set for acceptable variance before flagging
- Discrepancies routed for review instead of blocking the whole bill silently
Core capabilities
| Capability | What it does | What it replaces |
|---|---|---|
| PO comparison | Checks billed price and quantity against the purchase order | Trusting the invoice at face value |
| Receipt comparison | Confirms billed quantity against what was actually received | Paying for goods that never arrived |
| Tolerance thresholds | Allows small, defined variances without flagging every bill | Flagging every rounding difference as an error |
| Discrepancy routing | Sends mismatches to a reviewer with the exact variance shown | Discovering overbilling during a later audit |
| Match history | Keeps a record of every match result per bill and vendor | No record of how often a vendor overbills |
How it works
From bill arrival to a clean or flagged match
- 1
Bill arrives
A vendor bill referencing a PO number is captured in the AP inbox.
- 2
System pulls the PO and receipt
Fintra retrieves the original purchase order and any goods receipt recorded against it.
- 3
Compare automatically
Quantity and price are compared across all three documents within your defined tolerance.
- 4
Route the result
A clean match proceeds to normal approval; a discrepancy routes to a reviewer with the exact variance.
- 5
Resolve or approve
The reviewer approves a justified variance or sends the bill back to the vendor before payment.
A worked example
Frequently asked questions
What exactly does 3-way match compare?
It compares the purchase order (what you agreed to pay), the goods receipt (what actually arrived), and the vendor bill (what you’re being asked to pay) - checking that quantity and unit price agree across all three within a tolerance you define, before the bill is eligible for payment approval.
What happens when there’s a discrepancy?
The bill is held from normal approval and routed to a reviewer with the specific variance shown - for example, billed quantity 12 units above the goods receipt. The reviewer can approve a justified variance or send the bill back to the vendor rather than paying an unexplained difference.
Can I set tolerance levels for acceptable variance?
Yes. Small variances - a rounding difference or a minor price adjustment within an agreed range - can be set to pass automatically, so 3-way match flags genuine discrepancies rather than every immaterial difference between documents.
Does 3-way match require a purchase order for every bill?
No. It applies to bills that reference a purchase order and goods receipt. Bills without a PO - a recurring software subscription, for example - go through the standard AP approval process without a three-way match step.
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