A Bank-First Platform for AP Automation, Vendor Payments, and Long-Term Client Growth
Over the past decade, banks have watched as legacy providers quietly inserted themselves between business clients and their banks—especially when it comes to how those clients pay their bills.
Legacy AP automation platforms offer convenience, but only by displacing the bank’s role. Their models are designed to:
- Pull client funds days in advance, holding deposits outside your institution
- Route payments through their own accounts, removing transparency
- Capture rebate revenue, ACH fees, and check float
- Weaken bank-client relationships, limiting your ability to deepen services
These platforms are not partners—they are becoming the default B2B payment experience for thousands of business customers.
PaperTrl Takes a Fundamentally Different Approach
PaperTrl is not another fintech trying to replace the bank. We are a bank-first, infrastructure-aligned AP platform that allows financial institutions to:
- Offer modern invoice-to-pay automation
- Drive ACH and card volume through your own rails
- Support vendor onboarding at scale
- Retain deposits, payment flows, and the client relationship
How PaperTrl Compares to Legacy Providers
| Legacy AP Vendors | PaperTrl | |
| Funds Management | Requires pre-funding; fintech holds cash | No pre-funding—payments originate at your bank |
| Payment Execution | Routed through fintech-owned accounts | Executed by your treasury operations |
| Card Rebates | Fintech captures rebates | You and your clients retain payment revenue |
| Vendor Enablement | Often limited or fee-based | Managed onboarding with no vendor fees |
| ERP Compatibility | Complex or shallow integration | Bi-directional sync with QuickBooks, Sage, NetSuite, Dynamics & more |
| Bank Role | Marginalized | Bank remains at the center of the client experience |
Why Partner With PaperTrl?
Expand Payment Revenue
- Capture card, ACH, and check economics without operational overhead
- Retain deposits and avoid pre-funding leakage
- Support digital payment adoption across your portfolio
Deepen Client Engagement
- Provide a modern AP solution without pushing clients to third-party fintechs
- Become the platform that grows with your clients as they scale
- Drive product stickiness through invoice capture, approvals, and automated payment workflows
Deploy Without Friction
- No change to your rails—PaperTrl wraps around your existing treasury and card infrastructure
- Partner-branded marketing, onboarding, and training toolkits ready for relationship managers
- Built to support middle-market and commercial clients across a wide range of industries
Trusted. Proven. Ready to Scale.
PaperTrl already supports customers in construction, government, services, logistics, and hospitality—processing over $1B in payments this year alone, across a diverse client base. We are trusted by banks, implemented in weeks, and easy for treasury teams to roll out.
Let’s Build the Future of B2B Payments—Together
We’d be happy to share a demo, revenue impact model, and full enablement plan tailored for your commercial segment.
Contact: hello@papertrl.com