Security & control
Four-eyes approval, limits and automatic checks reduce the risk of errors and fraud.
Payment Assistant · Agent
Automate payments & payment processing
The digital worker automates payment processing from approval through the payment run to archiving and the controlling overview.
What the Payment Assistant handles:
- Prepare & check payment runs
- Manage approvals & four-eyes principle
- Execute & reconcile payments
- Archiving & controlling reports
- up to 78 % Automation
- 24/7 Available
- BPMN 2.0 auditable
Benefits
Benefits for payment processing
Safer, faster, traceable: full control over every payment run.
Save time & money
Recurring payment runs and reconciliations happen automatically – without manual data entry.
Transparency & controlling
Payment status, due dates and liquidity can be analysed at any time.
Audit-proof
Every payment and approval is logged without gaps – important for supervisors and auditors.
Areas of use
Typical tasks in payment processing
From approval to archiving: the Payment Assistant automates payment processing.
Payment capture & allocation
- Capture & data import of payment information
- Automatic account allocation (up to around 90 % of cases)
- Automated account posting
- Handling of deductions, overpayments & chargebacks
- System-supported rework only for exceptions
- Four-eyes principle & approval workflow
Documentation & controlling
- Archive data created in parallel
- Online access to documents & posting information
- Automated correspondence with archiving
- Payment behaviour & liquidity statistics
- Open item & account clarification
- Reporting for treasury & controlling
Standards & integrations
Banks, ERP & compliance
The Payment Assistant connects banks, ERP and compliance requirements without media breaks.
Payment formats & banks
Standardised payment data formats (including SEPA) through one central interface.
ERP integration
Connection to ERP and finance systems without media breaks.
Audit trail
Complete logging and archiving – auditable (BPMN 2.0).
Automation levels
Assistant · Agent · Worker
Three automation levels – matched to the task.
Digital Assistant
BPMN rule-based
Works strictly according to compliance and process rules (BPMN 2.0 & process engine) – perfect for structured rule sets and guided case handling, even in high-security areas.
Digital Agent
AI-powered
Understands unstructured data, emails and contracts via LLMs, takes over complex checks and decisions – autonomous tasks complementing existing systems.
Digital Worker
Autonomous AI orchestration
Solves whole processes autonomously and connects individual AI agents into teams – autonomous data transfer between legacy systems and web APIs, without media breaks.
Process
How it works
Job profile
Analyse tasks & workflows.
Configure
Model persona & processes (BPMN 2.0).
Connect
Integrate systems & data.
Operate
Cloud or on-premise, GDPR-compliant.
Optimise
Monitoring & governance.
Target groups
Which departments & industries?
The Payment Assistant is tailored to treasury and payments – from mid-sized companies to large corporations.
Finance & treasury
- Treasury & cash management
- Payments
- Accounts receivable & payable
- Controlling
Shared services
- Shared service centres
- Group finance departments
- Accounting service providers
- Payment scheduling
Industries
- Retail & industry
- Banks & financial services
- Public sector
- Cooperatives & associations
Frequently asked questions
The most common questions about the Payment Assistant.
What does the Payment Assistant do exactly?
The Payment Assistant automates payment processing – from preparing and approving payment runs through execution to reconciliation, archiving and controlling reports.
How high is the automation level of the Payment Assistant?
Around 78 % automation is achievable for the typical tasks of the Payment Assistant – we determine the exact figure from your role profile.
How does the Payment Assistant protect against errors and fraud?
Four-eyes approval, limits and automatic checks of payee, account and duplicates reduce the risk of errors and fraud.
Which payment formats are supported?
Common formats such as SEPA and ISO 20022; banks and payment providers can be connected.
Can the Payment Assistant be integrated with ERP and treasury systems?
Yes. It connects to SAP, DATEV and other ERP and treasury systems via open standards, APIs and connectors.
Are payments documented in an audit-proof way?
Yes. Every payment and approval is logged in an audit-proof way – based on the open BPMN 2.0 standard.