Corpay One

Corpay One is a modern AP automation and spend management solution designed to replace manual invoice processing with touchless workflows from intake to payment. The platform begins with intelligent document capture: users can upload or email bills and receipts, and Corpay One’s OCR automatically scans the entire document to extract key fields—vendor, amounts, dates, and line items—minimizing human entry and errors. Once captured, expenses flow through configurable approval rules that reflect your internal controls, enabling fast, accountable sign-offs across departments and approver tiers. Payments are a core strength. Corpay One consolidates vendor disbursements across ACH, mailed checks, international wires, foreign exchange (FX) payments in local currencies, virtual cards, and funding via the Corpay One Mastercard—even to vendors that don’t accept cards. This flexibility helps businesses optimize cash flow, strengthen supplier relationships with faster payout options, and reduce operational complexity by keeping domestic and cross-border payments in one system. FX capabilities allow sending funds in a vendor’s local currency with competitive rates and faster timelines than traditional wires, simplifying international AP while preserving accurate reconciliation. Integration is deep and practical. Corpay One provides real-time, two‑way sync with widely used accounting platforms, including QuickBooks Online and Xero. When a bill is submitted and paid, the corresponding vendor expense and payment entries are created automatically in the ledger, with new vendors added if needed. Card transactions also sync, enabling unified reconciliation and reducing duplicate data entry. Beyond the GL, Corpay One integrates with Slack and Zapier to bring approvals and notifications into everyday workflows and to push spend data to other business systems. [quickbooks...intuit.com], Security and compliance are embedded. The platform enforces two‑factor authentication, role‑based permissions, audit trails on vendors and bills, duplicate detection, and built‑in fraud and anti‑money‑laundering checks. As part of Corpay (formerly Fleetcor), the broader organization attests to controls consistent with SOC 1/SOC 2 practices across corporate payments, and applies a layered approach to encryption, firewalls, and threat detection—important for safeguarding sensitive financial data throughout the AP lifecycle. On the spend side, the Corpay One Mastercard extends functionality with configurable category and amount limits, instant controls, and the ability to issue unlimited employee cards. Businesses can access lines of credit up to stated limits (subject to approval), fund vendor payments by card to preserve cash, and earn rebates—up to 1.5% on eligible bill payments made through Corpay One—creating a tangible financial benefit that offsets AP costs. Mobile apps on iOS and Android support on‑the‑go scanning, approvals, and card management, keeping teams efficient from anywhere.

Corpay One’s competitive edge starts with the breadth of payments in a single platform. Many AP tools automate invoices but rely on third‑party rails for execution; Corpay One natively supports ACH, checks, virtual cards, international wires, and FX payments in local currencies, plus the unique ability to fund vendor payments by the Corpay One Mastercard—even when a supplier doesn’t accept cards. This lets finance teams strategically choose the optimal rail per invoice to balance speed, cost, and cash flow, all while maintaining consistent reconciliation. Deep, real‑time integrations with QuickBooks Online and Xero further differentiate the product. Instead of batch or one‑way syncs, Corpay One writes vendor expenses, payments, and card transactions automatically and instantly, reducing the risk of out‑of‑date ledgers and duplicate entries. The Slack integration brings approvals into the tools teams already use, and Zapier opens low‑code connections to CRMs, spreadsheets, and data warehouses—lowering implementation friction compared to competitors that require heavier ERP projects. The card plus software model is another moat. With configurable spend controls, unlimited employee cards, and rebates up to 1.5% on eligible transactions, Corpay One can transform AP from a pure cost center into a revenue‑offsetting function. Funding check and ACH payments by card extends cash terms and creates rebate opportunities on non‑cardable spend, a feature set not universally available in AP automation peers. Combined with mobile apps, this gives businesses granular, real‑time control over outflows without sacrificing convenience.

• Small Businesses (1-99)
• Mid Market (100-500)
• Enterprise (500+)