---
title: How Payments Work
url: https://www.medius.com/solutions/medius-payments/how-payments-work/
updated: 2025-09-29T06:36:28Z
---
# How does Medius Payments work?

![Medius Payments process diagram](https://www.medius.com/media/xybc0jzk/payments-process-light.svg)

![Medius Payments process diagram](https://www.medius.com/media/xybc0jzk/payments-process-light.svg)

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![computer screen with transfer complete](https://www.medius.com/media/xz5j2d3f/transfer_payment.jpeg?rmode=max&width=372&height=0&v=1dc4dd0aa60a8f0)

## Medius handles vendor enrollment for you.

Improve your process without adding to your to-do’s by using Medius to get your vendors enrolled in the Vendor Marketplace.

- **ACH and WIRE:** We will organize your campaign, provide the portal for suppliers /vendors to enroll, and secure banking instructions.
- **VIRTUAL CARD (US ONLY):** We will encourage your vendors to use vCards to help maximize your spend over the card network. Note that more than 25% of vendors already accept vCards.

## Turn money you spend into money you earn.

Customers in the US: Streamline your payment process and mitigate risk of fraud by converting high-risk and outdated payments to a secure form of B2B payments with Virtual Cards.

Benefits of using Virtual Cards in the US:

- Pays cash rebates every month with no thresholds
- Easily integrates into any existing accounting or ERP system
- Go-live with virtual card spend in less than a month
- Provides data in a usable format for your GL reconciliation
- Solution works within existing standards and processes
- Easy integration without impacting your internal teams

[Learn more about Virtual Cards](https://www.medius.com/solutions/medius-payments/payment-automation-virtual-cards/ "Payment Automation Virtual Cards")

![three credit cards on table](https://www.medius.com/media/2l2dlog2/payments_card.jpeg?rmode=max&width=372&height=0&v=1dc4dd0aa5c8a40)

[!\[Medius Payments Product Sheet (US users) cover image\](https://www.medius.com/media/skehh5pw/resource-menu_payments-us.png?rmode=max&width=372&height=0&v=1dd13cd32baa8a0)](https://www.medius.com/resources/product-brochures/medius-payments-product-sheet-us-users/)

## Simplify payments. Secure your process. Save time.

Streamline your AP operations with Medius Payments and close the loop from invoice to payment. Download the Medius Payments product sheet for **US-based businesses** to learn more.

[Download product sheet for US users](https://www.medius.com/resources/product-brochures/medius-payments-product-sheet-us-users/ "Medius Payments Product Sheet (US users)")

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## Payment automation via ACH Transfer.

Issue Electronic Funds Transfer (EFT) via Automated Clearing House (ACH) in a secure and controlled environment. No need to log into a bank or other website to transmit payments. This cloud-based method is agnostic to your ERP and is “bank neutral” giving you flexibility.

![AP Pay - Pay / Approve / Reject screen](https://www.medius.com/media/irhl3eb0/ap-pay-pay-approve-reject.png?rmode=max&width=372&height=0&v=1dce87a43f84330)

        Enlarge Image

- Maintain 100% control of ACH issuance and create payments that are NACHA compliant.
- Eliminate the biggest hurdle to getting vendors enrolled to pay electronically by using our portal.
- With hierarchical password controls to access the application, separation of duties is genuinely achievable.
- Users may be configured to access all subsidiary companies within the system or be limited to certain companies or business units.
- All use is strictly monitored to ensure the highest degree of security.
- Set-up to include all divisions or operating companies within your organization and transmit to as many financial institutions as you may be working with.
- Remittance advice with a secure link to payment remittance details is ideal for those vendors being paid on hundreds of invoices in one payment.
- A detailed audit trail is available via the application's reporting system.

## Use wire transfers to pay your vendors.

Easily pay vendors, creditors, or others with wire transfers, SWIFT or IBAN. Format the wire transfer and securely transmit via secure FTP to your financial institution’s wire desk. Separation of duties can be achieved with hierarchical password controls.

Administrators may set up users to:

- Set-up Wire Transfer payments
- Approve Wire Transfer payments
- Release Wire Transfer payments
- Run reports
- Users may be configured to access all companies within the system or be limited in their scope of work
- All use of the software is strictly monitored to ensure the highest degree of security
- Work with as many financial institutions as you desire. In each case, once the system is configured, payments are processed quickly and easily.
- Generate an email to the vendor remittance advice or send an email with a link to an online remittance portal which allows vendors to download their remittance directly into their receivables system.
- A detailed audit trail is available.

![AP Pay - Pay with Invoice screen](https://www.medius.com/media/ldqjycwv/ap-pay-with-invoice.png?rmode=max&width=372&height=0&v=1dce87a43f18c70)

        Enlarge Image

## Ensure compliance and meet regulatory requirements
by using European payment systems.

Pay suppliers via European payment systems including SEPA, BACS, CHAPS, and BankGiro.

Standardize euro bank transfers across European countries with SEPA

Process bulk payments and direct debits in the UK with BACS

Process high-value, same-day payments in the UK with CHAPS

Process domestic, Swedish payments with BankGiro

![Payment network map](https://www.medius.com/media/jislaivk/payment-network-map.png?rmode=max&width=372&height=0&v=1dce87a442a9dd0)

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[!\[Medius Payments Product Sheet (Global users) cover image\](https://www.medius.com/media/m5tksab4/resource-menu_payments-global.png?rmode=max&width=372&height=0&v=1dbe7b4fb8f6590)](https://www.medius.com/resources/product-brochures/medius-payments-product-sheet-global-users/)

## What sets Medius Payments apart?

- **Automation:** Eliminate manual uploads and save valuable time.
- **Fraud Detection:** Proprietary risk indicators flag suspicious activities.
- **Simplified Reconciliation:** Payments sync automatically to your ERP.

Trusted by finance professionals, Medius Payments ensures faster approvals, real-time oversight, and enhanced compliance. Download the **Global Payments** product sheet to learn how it works.

[Download product sheet for global users](https://www.medius.com/resources/product-brochures/medius-payments-product-sheet-global-users/ "Medius Payments Product Sheet (Global users)")

## Payment automation with off-site check printing (US only).

You keep your bank and your checking Account(s), and you create fully negotiable MICR encoded checks on blank check stock. Checks will be printed at our secure off-site check print and mail facility.

- The data is merged with an electronic forms design, digitized logo and signature and sent to the laser printer.
- Guaranteed bank readability of MICR line.
- Supports any number of corporate bank account information.
- Fully secured based on multiple levels of user security including hierarchical password access, audit trail reporting, and separation of responsibilities across users.

“With the tools they need, staff now has more time for other tasks and they have fully embraced the solution.”

**Marten Fossum**
CFO, Lyngson

[Read the case study](https://www.medius.com/resources/case-studies/lyngson-case-study/ "Lyngson Case Study")

[![Lyngson logo](https://www.medius.com/media/r3fdyxim/lyngson.png?rmode=max&width=287&height=47)](https://www.medius.com/resources/case-studies/lyngson-case-study/ "Lyngson Case Study")

## Backed by market leaders.

Medius Payments in Europe is delivered in partnership with Nomentia, a bank
connectivity powerhouse with 200+ bank connections in their library.

    ![Nomentia logo](https://www.medius.com/media/mcijzmke/nomentia.png?rmode=max&width=339&height=107)

## See the benefits you'll find along the journey to automated payments

Tired of tedious invoice and payment processing? Take a bird's-eye view of your path to automating the end-to-end process. This eBook reveals the opportunities for cost savings, time efficiency, and improved workflows you'll discover along your journey. Download it today and chart your course towards ultimate accounts payable efficiency.

[Get the guide](https://www.medius.com/resources/guides-reports/your-payment-automation-journey/ "Get the guide")

[!\[Your Payment Automation Journey cover\](https://www.medius.com/media/3q4nj25u/resource-menu_your-payment-auto-journey.png?rmode=max&width=372&height=0&v=1dbf4f0fff4e710)](https://www.medius.com/resources/guides-reports/your-payment-automation-journey/)

“The Medius team provides us with insights into industry norms and best-practices, which we had no clue about nor any access to before. The combination of modern technology and industry expertise has been very valuable to us.”

**Alden Senteney**
Project Manager, Briggs

[Read the case study](https://www.medius.com/resources/case-studies/briggs-equipment-ap-automation/ "Briggs Equipment AP Automation")

[![Briggs Equipment logo](https://www.medius.com/media/3r2bdcjz/briggs-logo.png?rmode=max&width=227&height=146)](https://www.medius.com/resources/case-studies/briggs-equipment-ap-automation/ "Briggs Equipment AP Automation")

## FAQs

What currencies does Medius support for payouts?

Medius supports over 180 currencies by default. Additional currencies can be added manually or synced from your ERP if needed.

What are the benefits or tradeoffs of each payment method?

| Payment Method | Main Attributes |
| --- | --- |
| ACH / Direct Deposit | Low-cost electronic transfer to U.S. bank accounts. May take a few days. |
| Check | Sent via postal mail. Slower delivery. Available in USD and CAD. Reliability varies by country. Overnight shipping is available for urgent checks. |
| Wire Transfer | Fast and reliable for domestic and international payments. Higher cost per transaction. |
| Virtual card (Vcard) | Secure, one-time-use card for supplier payments. Offers better control and rebates. Supplier acceptance may vary. |
| SEPA | Cost-effective Eurozone bank transfer. Fast within Europe. Supports EUR only. |
| BACS (UK) | Low-cost UK domestic transfer. Slower (2–3 days) compared to CHAPS. |
| CHAPS (UK) | High-speed, same-day UK domestic transfer. Higher fees than BACS. |
| BankGiro (Nordics) | Common low-cost local payment method in Sweden. Region-specific. |

Why is Supplier Management important with Medius Payments?

Medius Payments maintains supplier payment records to ensure smooth execution of payment batches. Any changes in supplier data are flagged during the approval workflow for extra security.

What is the Medius Supplier Portal used for?

Medius Supplier Portal is the secure place where suppliers enter their payment details, update information, and check payment status - streamlining the onboarding and payment process.

Do all suppliers need to register their information?

Not necessarily. Suppliers can be onboarded directly through the ERP or via the Medius Supplier Portal, depending on the client's setup. If given access, vendors can use the portal to manage their banking and contact information themselves.

Does the supplier need to actively use Medius?

No. They only need to submit their information and can optionally track payments in the portal. They don’t need to use Medius beyond that.

How does Medius help identify risky or fraudulent suppliers?

Medius includes built-in fraud detection and risk indicators. If a payment or supplier appears suspicious, the system flags it for review before processing.

Will clients need to open a new bank account to use Medius?

Medius integrates with the client's existing bank accounts.

Can clients select which payment methods to offer their suppliers?

Absolutely. Clients have full control to enable preferred payment options such as local bank transfer (like ACH, SEPA, BACS, etc.), international wire or virtual cards and paper checks in the US.

Does Medius offer APIs for integration?

Yes. Medius provides APIs that allow Medius to connect seamlessly with client ERPs.

Who can access client payment data?

Only authorized users within the client’s organization. Medius staff access is strictly limited and audited.

What security certifications does Medius hold?

Medius adheres to industry standards and conducts regular security audits. Daily data backups are performed to ensure data protection.

[View more FAQs](https://www.medius.com/frequently-asked-questions/ "Frequently Asked Questions")

## Ready to transform your AP?

[Book a Demo](https://www.medius.com/book-a-demo/ "Book a Demo") [Contact Us](https://www.medius.com/contact-us/ "Contact Us")