Payment Execution • Maturity Assessment

Where does your payment
control really stand?

Answer 9 questions across three dimensions to benchmark
your payment maturity and see where to focus next.

Dimension 1 of 3

Visibility & Control

How much real-time insight do you have into outgoing payment flows across entities, locations, and departments, including payment status and who approved what?

1. How do you track outgoing payment flows across your entities?

Level 1 We check multiple bank portals manually. No consolidated view across entities exists. Level 2 We have centralized reporting across entities, but data can lag by a day or more Level 3 Consolidated reporting shows all scheduled outgoing payments, by amount, timing, and entity, in one place

2. How are payment approvals enforced and recorded?

Level 1 Informal. Approvals often happen verbally or last-minute, with no clear record of who approved what Level 2 Approval hierarchies exist and are enforced manually via email; an audit trail can be produced but takes time and may have gaps Level 3 System-enforced with four-eyes approval and role-based controls, with a continuously maintained, instant audit trail

3. How much invoice context do you have when approving payments?

Level 1 Limited. Payments are approved in a bank or external portal, disconnected from the invoice itself Level 2 Some context is available, but it requires switching systems or manual look-ups Level 3 Original document, approver, and comments sit alongside every payment in one platform

Dimension 2 of 3

Efficiency & Eliminating Manual Work

How automated is your end-to-end payment process, from payment run creation through to reconciliation?

1. How are payment files submitted to your bank?

Level 1 Built manually and uploaded to bank portals by hand Level 2 Generated from our ERP, but manual upload to the bank remains Level 3 Sent directly to banks via secure connection with no manual steps

2. How are payment runs created across entities, banks, and currencies?

Level 1 We build each run individually, one company, bank, and currency at a time Level 2 Templates speed it up, but each cycle still needs manual setup Level 3 Scheduled batch creation automatically generates runs by company, bank account, currency, and date

3. How do you handle payment reconciliation?

Level 1 Manually matched on spreadsheets: slow, error-prone, and resource-intensive Level 2 Periodic reconciliation with structured review, but largely still manual Level 3 System-matched automatically. Only genuine exceptions need human attention.

Dimension 3 of 3

Risk & Fraud

How protected is your organization against payment fraud, and how proactively do you manage payment risk?

1. How do you verify supplier bank account changes?

Level 1 Email confirmation only, with no automated verification or system control Level 2 Manual approval process, but no automated system validation Level 3 Bank changes trigger automated verification workflows with multi-party sign-off

2. How do you detect duplicate payments?

Level 1 We rely on staff vigilance, with no automated duplicate controls Level 2 Some duplicate checks exist in our ERP, but blind spots remain Level 3 Automated duplicate detection catches matches before payments execute

3. How do you detect suspicious or fraudulent payments?

Level 1 We rely on staff to spot unusual activity, with no automated detection Level 2 Some manual checks exist, but anomalies like unusual amounts or first-time suppliers can slip through Level 3 AI flags unusual amounts, first-time suppliers, and suspicious bank changes in real time, before payments execute

Your score

– /3

Complete the assessment

0 of 9 questions answered

Visibility – 0/3 answered

Efficiency – 0/3 answered

Risk & Fraud – 0/3 answered

Fragmented 1.0 – 1.6

Developing 1.7 – 2.3

Optimized 2.4 – 3.0

– Overall maturity score

Your payment execution is –

–

Visibility & Control

–

Efficiency & Eliminating Manual Work

–

Risk & Fraud

Below are the recommended next steps based on your maturity assessment results.
Book a 30-minute consultation with us to find out how to get started.

Recommended next steps

Book a consult

Payment execution is largely manual and decentralized. Bank portals are accessed directly, approvals are informal and unrecorded, and fraud detection is reactive. This creates high operational risk and leaves significant efficiency gains on the table.

Centralize payment execution into a single platform
Introduce system-enforced approval workflows
Implement basic duplicate and fraud detection controls

You have structured processes and ERP integration, but manual touchpoints, delayed data, and reactive risk controls still create exposure. The foundations are there. Now it’s about automating execution and closing the control gaps.

Automate bank submission and reconciliation end-to-end
Move from fragmented bank portals to a consolidated view across entities
Upgrade from reactive to automated fraud detection

Your payment operations are highly automated, with real-time visibility and proactive controls. Fraud is stopped before it executes, reconciliation happens automatically, and approvals are tied to full invoice context.

Continuously refine anomaly detection with AI insights
Extend automation upstream into AP and procurement workflows
Use payment intelligence to drive strategic working capital decisions

Medius Payments

One platform. Every payment. No manual steps.

From approval to bank submission and reconciliation, Medius Payments seamlessly completes the invoice through payment process, with real-time visibility and fraud detection built in.

See how Payments works

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Where does your payment control really stand?

Visibility & Control

Efficiency & Eliminating Manual Work

Risk & Fraud

Your payment execution is –

One platform. Every payment. No manual steps.

Late payments don't stop when you automate AP. Here's why.

Where does your payment
control really stand?