On-premise ledger infrastructure for embedded payments

Trusted worldwide

About the client

The client operates one of the largest AP/AR automation platforms in the world, sitting upstream of banks in the invoice lifecycle. They serve 25,000+ enterprise customers across 32 countries.

They already control invoice creation, approval, and reconciliation at volumes that exceed those typically handled by bank payment systems. Historically, however, payment execution sat outside their platform. This created fragmented workflows, limited transaction visibility, and value that was being captured downstream by others.

The client did not intend to become a bank. Their goal was to embed payments as a natural extension of invoicing, which required bank compatible infrastructure that could slot into existing regulated environments rather than replace them.

Self-hosted core ledger

Fabric is deployed inside the client's own infrastructure, giving them full ownership of balances, transaction history, and reconciliation. The ledger is designed for auditability, traceability, and regulatory reporting from day one.

Payment orchestration layer

Invoice approval is decoupled from payment execution, with support for multiple jurisdictions. This lets the client's banking partners retain control of settlement and clearing, while the client controls the workflow that sits above it.

API-first integration

Clean interfaces connect Fabric to ERP systems, banking middleware, and compliance services, with an event driven architecture underneath for real time reconciliation and reporting.

Compliance-aligned design

The solution integrates with the client's existing AML, KYC, and sanctions screening systems, with a clear separation of responsibilities between platform, ledger, and bank. Each party owns what they are best placed to own.

The outcome:

By adding payment execution to their AP/AR capabilities, the client is closing the loop from invoice ingestion through to settlement, all within a single platform. What used to require multiple systems and external handoffs is now one continuous flow.

Built on Fabric, the platform can now layer on new financial services over time, from core banking features through to deeper integration with payment rails, delivering a seamless, end to end financial operations experience to their enterprise customers.

Self-hosted ledger infrastructure for embedded payments

Trusted worldwide

The objective: execute payments within existing invoice workflows

About the client

Architectural challenges

Ledger control & data residency

Regulatory alignment

Integration complexity

Future-proof scalability

The solution:

Key components:

The outcome:

We’re transforming invoice management from a back‑office task into a closed‑loop money movement engine, creating ‘process and pay’ in one seamless motion.

See how we create results!