Guides
Payment guides. From execution to proof.
Guides to agentic payments, payouts and payment reconciliation for fintechs, PSPs, payout platforms, remittance companies and finance teams.
Last updated:
On this page 7 sections
Agentic payments
What are agentic payments?Agent-initiated payments and agentic commerce, the card and bank-rail programmes, and the controls to require.AI agent spending limits and approvalsHow to let an AI agent pay safely: limits and approvals enforced outside the model.Audit trail and liability for AI agent paymentsWhat risk and compliance ask before an agent can touch money, and who bears the loss.Reconciling payments made by AI agentsTying every agent payment to its mandate, the provider and the bank.Agentic payoutsLetting agents prepare payouts to sellers, contractors and claimants, within agreed rules.Mastercard Agent Pay vs Visa Intelligent CommerceWhat each card-network programme does, side by side.Agentic payments in the UKFaster Payments, Open Banking and the rules that apply.Agentic payments in IndiaUPI consent, IMPS and NEFT payouts, and reconciling on the UTR.
Payouts and payout APIs
Duplicate payouts and unknown statusWhy a timeout is not a failure, and how to resolve an unknown payout without paying twice.Payout state machineWhy webhooks are not your source of truth, and how to model payout states and polling windows.Silent payout failuresA payout marked sent that never arrived: how to detect it before the recipient calls.Payment reconciliation system designData model, ingestion, matching, ledgers and exceptions, for engineering teams.Faster Payments payouts (UK)How Faster Payments payouts work: limits, Confirmation of Payee, returns and reconciliation.UPI and IMPS payout API (India)UTR and RRN, pending and deemed states, and reconciling payouts in India.Interac e-Transfer bulk payouts (Canada)Bulk business payouts over Interac, and keeping sent, deposited and returned apart.
Payment reconciliation
What is payment reconciliation?The records that must agree, how matching works, and the breaks to expect.Payout reconciliation for PSPs and marketplacesProve each payout against the provider’s status, its settlement file and your bank statement.Reconciliation for money transfer operatorsPrefunding, nostro balances, FX and every payout partner.PSP reconciliationReconciling acquirers, schemes and merchant settlements for payment service providers.Settlement reconciliationMatching settlement files to transactions and the bank, and how it differs from reconciliation.Processor report vs settlement file vs bank statementWhich record is the source of truth for each field.camt.053 reconciliation and MT940Reading ISO 20022 bank statements and matching them to payments.ACH returns reconciliationTying each return and its reason code back to the original payment.Can AI do bank reconciliation?Deterministic matching, and where AI helps with the exceptions.Payment orchestration vs reconciliationWhat each one does, where each one stops, and why you need both.Financial closure: why paid is not proofThe conditions that prove a payment is finished, and what reopens it.
Choosing software
Best payment reconciliation softwareThe criteria that matter, and how the main tools compare.Best payout platforms and APIsPayout providers compared, and when an orchestration layer helps.Modern Treasury alternativesWho each alternative suits, and where Flominzo fits.Payment operationsThe team, the stack and the metrics behind payment operations.
Free templates and checklists
Payout to bank reconciliation templateA CSV sheet that breaks each payout into sales, fees, refunds and reserves, and checks it against the bank.AI agent payment policy templateLimits, approvals and audit rules for an agent that can pay, in YAML and JSON.Stuck payout checklistThe steps to resolve a payout with an unknown status, without paying twice.AI agent payment audit checklistThe evidence risk and compliance ask for before an agent can pay.
Who these guides are for
These guides are written for teams that move money for other people: remittance companies, payout platforms, marketplaces, payroll and supplier-payment businesses, and bill-payment services. They are also useful for the finance, treasury, and operations teams who have to explain every payment afterwards.
Each guide explains a concept in plain terms first, then shows how the Flominzo platform applies it. New to a term? The payments and reconciliation glossary defines them.
Technical reference
Let’s make it specific to you.
Bring your systems, payment flows, and questions. We’ll help define the next step.
Talk to the team