Solutions
SOLUTIONS
↗LockboxDigitise receivables, automate capture and accelerate reconciliation.→⌁AP AutomationAutomate invoice capture, approvals and accounts payable workflows.→◇Spend ManagementControl purchasing, budgets and business spend from one platform.→
How It WorksIndustries
INDUSTRIES
◈InsuranceModern finance automation for complex insurance operations.→▦Property ManagementControl spend and payments across properties, teams and suppliers.→⌁UtilitiesDigitise high-volume finance processes with stronger control.→＋HealthcareImprove visibility, compliance and finance efficiency at scale.→▤GovernmentSecure, auditable automation for public-sector finance teams.→◎NonProfitMaximise funding impact with tighter control over every pound.→
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Enterprise Spend Management

Intelligent Spend Management Software for Modern Business

Control company spend before it happens. From PO automation and proactive budget management to integrated online buying, 3-way matching, and AI invoice capture.

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Bank-up spend management and procurement interface
100%
Real-Time Budget Visibility

Proactive controls before commitments are made

3x
Faster PO Approvals

Automated routing to department managers

< 2 min
Real-Time ERP Sync

2-way live sync with Xero, QBO, NetSuite & Sage

Seamless Integrations

Direct Sync with Leading Accounting & ERP Solutions

Bank-Up integrates natively with your existing financial tech stack to sync General Ledger codes, purchase orders, invoices, and payments in real time.

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Powerful Capabilities

Unified Spend Management & Purchasing Platform

Take back control of corporate spend with real-time budget tracking, purchasing controls, and automated matching.

PO Automation

Automate purchase requisitions, approval routing, and digital PO generation. Ensure every purchase is authorized before funds are committed.

Proactive Budget Management

Set real-time department, project, and location budget limits. Gain instant visibility into committed vs. actual spend to prevent overruns.

Integrated Online Buying

PunchOut catalog integrations and direct Amazon Business connectivity enable employees to buy from approved vendors with contracted pricing.

Automated 2/3-Way Matching

Automatically cross-reference invoices against purchase orders and receiving slips. Flag pricing variances and quantity discrepancies instantly.

AI Invoice Capture & OCR

Multi-channel OCR reads PDF and paper invoices, extracts line-item details, assigns GL codes, and attaches documentation directly to the record.

2-Way ERP Sync

Bi-directional real-time ledger integration pushes approved invoices and POs straight into Xero, QuickBooks, Dynamics, NetSuite, or Sage Intacct.

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Strategic Value

Why Organizations Need Spend Management

Uncontrolled purchasing creates financial risk, budget overruns, and administrative friction. Bank-Up gives finance teams proactive governance without slowing down operations.

Drastically Lower Processing Costs

Reduce touchpoints and labor hours, lowering your average cost per invoice by up to 80%.

Capture Early Payment Discounts

Fast approval cycles allow your team to consistently take advantage of 2/10 net 30 vendor discounts.

Improve Vendor Relationships

Eliminate late payment penalties and provide vendors with full portal visibility into payment statuses.

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Proven ROI

The Business Impact of Automated Spend

95%
Average per Transaction Cost Savings
$85
Real-Time ERP Budget Visibility
100%
End-to-End Workflow

How Bank Up AP Automation Works in 4 Steps

From invoice receipt to touchless ledger posting and vendor payment.

STEP 1

Digital Capture

Invoices sent via email, vendor portal, or paper scan are automatically centralized in Bank-Up.

STEP 2

AI OCR Extraction & GL Coding

AI extracts header and line-item data, automatically assigning proper General Ledger (GL) codes.

STEP 3

3-Way Matching & Approval

Invoices match automatically against POs and receipts; non-PO invoices route to approval managers.

STEP 4

ERP Sync & Payment

Approved invoices post automatically to your ERP, ready for electronic ACH or card payment.

Take Control of Spend

Ready to Eliminate Unapproved Company Spend?

Empower your finance team with Bank-Up's unified spend management software integrated directly with your accounting platform.

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