Payments #
Once an AP transaction has been approved, it lands here as an outgoing payment ready to leave your bank. From this page you can produce a standard PAIN.001 file for any bank in the world, or — if you’ve connected one of the supported providers — push payments out directly.
Navigate to Stations → Bank Payments to open the page.
Pick a bank account first #
Everything on the page is scoped to the Bank Account you choose at the top. Until a bank account is selected, the action buttons stay disabled.
The selector itself shows a warning when the selected account is missing details needed to pay out:
- IBAN missing — the account has no IBAN or QR-IBAN configured.
- BIC missing — the account has no BIC.
Both of these block the Export button (see PAIN.001 export below). Fix them on the bank account record under Setup → Bank Accounts.
Status tabs — how a payment flows #
Payments move through four statuses in order:
| Status | What it means |
|---|---|
| Created | Generated from an approved AP transaction. Ready to be exported or paid. |
| Exported | A PAIN.001 file has been generated. The payment is leaving the system but hasn’t been confirmed yet. |
| Uploaded | Sent to a connected provider (Amnis, Konfipay, Revolut). |
| Completed | Settled — the corresponding bank line has been matched, or the payment was manually marked complete. |
You can move payments between statuses with the three-dot menu on each row, or the Update Status dialog for a whole selection at once. Most of the time the statuses progress automatically as you act on the payments.
Selecting payments #
Each row has a checkbox. A row may be unselectable, in which case the checkbox is greyed out. The reasons are deliberate and worth understanding:
- No vendor bank account — the vendor doesn’t have a bank account on file, so there’s nothing to pay to. Open the vendor’s record (pencil icon in the Vendor column) and add one under the Bank Accounts tab.
- QR-IBAN with invalid DCN — when the vendor bank is a Swiss QR-IBAN, the payment must carry a valid structured DCN (Debtor/Creditor reference). The Bank Account column shows Valid DCN in green or Invalid DCN in red — the latter blocks selection.
If none of your providers are configured, payments missing a vendor bank account are selectable for PAIN export — many banks will still accept the file and look up the IBAN downstream.
Columns worth knowing #
| Column | Notes |
|---|---|
| Bank Account | The vendor’s bank account selected for this payment. Shows IBAN or QR-IBAN, plus a BIC chip (or BIC missing warning). For QR-IBAN it also shows Valid DCN / Invalid DCN. |
| Payment Amount | Underlined — click to edit. Lets you pay less than the invoice total (partial payment) or more (carry as credit). |
| Execution Date | The date the payment should be executed by the bank. Click the pencil to schedule it. |
| Vendor | Click the pencil icon to open the full vendor editor inline — useful for fixing a missing IBAN or BIC without leaving the page. |
| Invoice Number | Links back to the originating AP transaction with the PDF icon for the attached invoice document. |
| Actions (⋮) | Per-row menu to manually move the payment between statuses (Mark as Created / Exported / Uploaded / Completed). The current status is omitted from the menu. |
PAIN.001 export — always available #
The Export button generates a standard ISO 20022 PAIN.001 payment file that any bank can accept.
The button is enabled when:
- A bank account is selected.
- At least one payment row is ticked.
- The selected bank account has an IBAN (or QR-IBAN) and a BIC.
If any condition fails, hovering the button shows the reason. The Export dialog itself summarises the count and total of the selected payments. Confirm to download the file. Validation errors (e.g. payments still missing a vendor bank) are listed before generation so you know what to fix.
If your bank account hasn’t yet been configured with IBAN and BIC, add them on the bank account under Setup → Bank Accounts. Without them, Export stays disabled.
After export, payments move to the Exported status. Submit the file to your bank through their portal as you would any other PAIN.001.
Direct payment providers #
In addition to PAIN export, Neo-Ledger can push payments straight to a connected provider. These buttons are only visible after a connection has been enabled.
| Button | Requires |
|---|---|
| Pay with Amnis | Every selected payment has a vendor bank with BIC. |
| Upload to Konfipay | Same conditions as PAIN Export, plus BIC on every selected vendor bank. Sends a PAIN.001 to Konfipay. |
| Pay with Revolut | The selected bank account must be linked to Revolut, plus BIC on every selected vendor bank. |
When a button is disabled, the tooltip explains why — typical messages:
- “Cannot upload: 3 payment(s) have missing BIC for selected bank account”
- “Selected bank account is missing IBAN”
- “Selected bank account is missing BIC”
- “Please select at least one payment”
To connect Amnis, Konfipay, or Revolut to your dataset, contact Support.
Konfipay status dialog #
After Upload to Konfipay, a dialog opens showing the file ID and the raw status returned by Konfipay. The dialog polls Konfipay every few seconds for an update; use Refresh now to force an immediate check. Close it any time — polling stops automatically.
Bulk actions #
Select multiple payments to act on them together:
- Update Status — opens a dialog summarising the selection and lets you move every selected payment to one new status at once.
- The provider buttons (Amnis, Konfipay, Revolut) and Export all act on the full selection.
- A small X button next to the count clears the selection.
Editing payment details inline #
You can adjust three things without leaving the page:
- Payment Amount — click the underlined amount on a row. Enter the actual amount to pay (must be zero or positive). Use this for partial payments or to round to the nearest unit.
- Execution Date — click the pencil next to the date. Useful when scheduling a payment for a future date.
- Vendor — click the pencil in the Vendor column. Opens the full vendor record so you can add bank accounts, fix the BIC, update the address, etc.
Where payments go after they leave #
Once a payment shows up on your next bank statement, the matching debit line will appear in Bank Matching. Match it to the AP invoice and the loop closes — the invoice is fully paid, and the bank line is reconciled, in a single action.