SMEs & enterprises
Supplier and payroll payment automation. Every line approved and proven.
Supplier, payroll, and bulk payments for SMEs and enterprises, with approvals and mandates, and every line reconciled to your bank statement.
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Book a demoWhat Flominzo does for SMEs and enterprises
Flominzo automates supplier payments, payroll, and bulk disbursements for SMEs and enterprises, with approvals built in and every payment reconciled to your bank statement. Your finance team, or an AI agent working inside the mandates you set, turns an invoice run or a payroll file into controlled payment instructions, and Flominzo proves what happened to each one.
It connects the spreadsheets, ERP records, and banking interfaces you already use rather than replacing them. Flominzo is connected through rail adapters to the providers you use; rails, markets and activation are agreed for your deployment.
The problems businesses run into
- A submitted batch is not a paid batch. The bank accepts the payment file, a few lines are rejected days later, and nobody sees which invoices are still unpaid.
- Records live in too many places. Invoices sit in the ERP, approvals in email, bank files in a portal, and the reconciliation in a spreadsheet.
- Approvals are hard to prove. When an auditor asks who approved a payment and under what limit, the answer takes days to reconstruct.
- Payroll has no room for error. A returned salary payment or a duplicate line needs to be found the same day, not at month-end.
- Several banks, several formats. Each bank reports outcomes differently, so the same question has a different answer in every portal.
How Flominzo fits
| Job | Product | How it helps |
|---|---|---|
| Supplier payment runs | Flominzo Business | Build the run from invoices, apply approvals and limits, and track each line separately from the batch. |
| Payroll and bulk payouts | Flominzo Business | One instruction, many payments, each with its own execution record and outcome. |
| Invoice runs by request | Flominzo AgentPay | Ask for a run in plain language; the agent drafts it, and your mandates and approvals decide what executes. |
| Proving what was paid | Flominzo Recon | Match every line to the bank statement, raise returns and rejects as exceptions, and close the day with evidence. |
Approvals and mandates you can show an auditor
Every payment carries its authority: the mandate or approval it was made under, the limits that applied, and the person or rule that made each decision. An agent can prepare a run and explain it, but it never approves its own work or moves money on its own.
When a line is rejected or returned, it becomes an exception with an owner and a reason, and the original invoice stays open until the evidence agrees.
100% reconciliation
100% reconciliation means every payment ends either matched against independent evidence - the provider’s records, the settlement file and the bank statement - or as an open exception with an owner and a reason. None is silently assumed paid.
Flominzo’s statement parsers today read ISO 20022 camt.053 and camt.052, SWIFT MT940, and configured CSV layouts. Other bank formats are assessed during scoping.
AgentPay early-bird
$3,999 setup + $999 a month, for the first 20 customers. Flominzo AgentPay lets your team, or an AI agent, prepare a supplier run or a one-off payment in plain language, while your mandates, limits, and approvals decide what executes. The setup includes integration with your providers and bank or settlement files by the Flominzo team.
Explore AgentPay pricing Claim an early-bird placeMarkets
The same approach works across the markets we focus on. Each market page describes its local rails, statement formats, and regulators. Flominzo is connected through rail adapters to the providers you use; rails, markets and activation are agreed for your deployment.
Where to start
Start with one supplier run or one payroll cycle. Flominzo reads your existing records and the evidence around them, and runs in parallel with your current process, so nothing changes for your team until the results agree.
- Map: agree identifiers, amounts, currencies, business dates, and which system owns each record.
- Run alongside: reconcile the same period your team already reconciles, and compare the exceptions.
- Decide: expand to more flows, providers, or execution once the agreed checks are met.
Questions
Do we need to replace our ERP or bank?
No. Flominzo reads the invoices and payment records your systems already produce and instructs the banks you already use. Your ERP stays the record for invoices and suppliers.
Does Flominzo hold our money?
No. Flominzo is software that instructs your banks and providers and proves what they did. Funds stay in your accounts.
Can an AI agent pay a supplier without approval?
No. Agents draft and explain. Your mandates, limits, and approval rules decide what executes, and every decision is recorded.
What happens when a payroll payment is returned?
The return is matched to its original line, raised as an exception with an owner, and the employee’s payment stays open until it is resolved and proven.
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