Paying suppliers
The email said their banking details had changed. It wasn’t from them.
Nobody broke into anything. Somebody sat in a mailbox — yours or your supplier’s — and waited for a real invoice to go out. Then they sent one more message.
You paid it, and the payment was perfectly in order. Your bank will point out that you authorised it, which is true.
- 09:12An invoice arrives. Right letterhead, right contact, right amount.
- 09:14A second mail: "Please note our banking details have changed."
- 11:40You pay it. Nothing about it looks wrong.
- 11:41The money leaves the account it landed in.
- Day 34Your supplier asks why they have not been paid.
Thirty-four days. That is the usual gap between paying it and finding out, and by then there is nothing to recall.
Why the usual advice does not work
“Phone the supplier to confirm” assumes somebody has time to phone forty suppliers, and that they phone the old number rather than the one on the new letterhead. It assumes the person doing the run is senior enough to question an invoice their manager already approved.
The weak point is not your staff. It is that the bank account you pay is read off a document that arrived by email. Anything that fixes this has to break that link.
Comes from
The supplier record you set up. Never the invoice.
Changing it needs
A permission, and it must pass a check-digit test.
Verified by
A check against the bank, shown against each supplier.
Old accounts
Kept, with a name and a time against every change.
Nothing is overwritten, so nothing changes quietly.
What we do and do not claim
We do not block the payment. Nobody honest will tell you they do — a verification service reports, it does not refuse. What you get is the answer next to the name before you release, rather than a bounced payment three days later.
And where two people should sign, two people sign. You set how many authorisers a payment needs, and one person cannot be both of them. Every release carries a name and a time.
That turns a change of banking details from something that happens quietly in an inbox into something that leaves a trail across two people and a verification result.
The account
Checked against the bank, result shown per supplier.
The release
As many authorisers as you require, each by name.
The decision
Still yours. We report; we do not refuse.
And the ordinary run gets shorter
One payment leaves your bank account and we distribute it, so your statement carries a single line instead of every supplier you use. Your competitors, your staff and anyone else who sees that statement learn nothing about who you buy from or what you pay them.
Pay in full or in part, by what is falling due. Proof of payment goes to each supplier without anybody saving a PDF and attaching it. And every recipient is paid at the same time, whoever they bank with.
Today
ACB CREDIT MKHIZE TRANSPORT
ACB CREDIT DELTA PACKAGING
ACB CREDIT N&R ELECTRICAL
ACB CREDIT SILVERTON FUELS
… and 36 more, every one of them named
With Payaccsys
PAYACCSYS SUPPLIER RUN
One line. Nobody reading it can see who you buy from.
Bring us one month of creditors.
Show us a supplier run the way you do it now. We will show you the same run with the account numbers verified, the authorisers named, and one line on your statement instead of forty. No monthly fee and no lock-in — the agreement runs month to month.
Sent to you by [reseller name] — [contact]