Accounts Payable for Business Banking

Accounts payable management

Disburse funds quickly and efficiently with payables solutions that give you the control and flexibility you need.

Strategic insight

We review your unique business needs and help you optimize your payment solutions and strategically plan for the short and long term.

Comprehensive solutions

We are a full-service bank with treasury, deposit and lending solutions that allow you to effectively and efficiently manage your liquidity.

Responsive service

At UMB, your business is not just a number. We get to know you, your goals and your values so we can be a partner throughout your business lifecycle.

Two business colleagues at a desk, one smiling toward the camera and the other gesturing while holding a folder beside a computer and coffee

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Feel confident in your cash flow strategy

UMB has the treasury and accounts payable management tools to help you manage your expenses, streamline your timelines, and increase your day-to-day control.

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ACH origination*

Our treasury management professionals will work with you to determine the ACH payment applications that can save you the most money, time and effort. And you can access fast, flexible and convenient same day ACH payments with your UMB account.

Wire transfers

Our experience and technology can help you move money quickly, securely and efficiently. Online, real-time reporting gives you greater visibility into your incoming funds.

Positive pay

Positive pay is a fraud detection service that reviews check transactions to help ensure authenticity and accuracy. We offer several options for implementing positive pay for your accounts that can help improve fraud control.

Controlled disbursement account

Our controlled disbursement service enables you to take advantage of investment opportunities and gain maximum interest income while minimizing idle balances.

Business credit cards

Our purchasing, travel and rewards credit cards can help you simplify your payment process with online reporting and account management tools.

Account reconciliation

UMB’s account reconciliation services include a suite of products designed to help reduce your administrative expenses and clerical workload.

Additional Solutions

Integrated payables

UMB offers integrated payables solutions that can connect seamlessly with your accounting system, consolidating multiple payment types—such as checks, ACH, and virtual cards—into a single file, creating a streamlined process for paying vendors. It can help your company reduce costs, reduce fraud risk and drive revenue.

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Access payroll and employer services

UMB can help you serve your employees, whether you’re looking for a cost-effective solution for managing payroll, or an integrated employee management solution that includes payroll processing, human resource management, customized reporting and tax filing.

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Gain peace of mind with fraud mitigation safeguards

UMB provides sophisticated products to help protect your accounts from fraudulent activity through transaction review and validation, filtering, blocking, exceptions and approval protocols.

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Featured Blogs

How integrated payables improves AP efficiency, control and cash visibility

Discover how an integrated payables program can help businesses modernize their accounts payable with greater security and efficiency.

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How commercial credit cards can improve cash flow, efficiency and security for your business

Commercial credit cards are changing the payment landscape. Here’s how businesses operations can benefit from the new options available.

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The One Big Beautiful Bill Act: What business owners and operators need to know

Read how provisions of the One Big Beautiful Bill Act (OBBBA) will impact both business owners and leaders.

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Instant payments: The future of payments is here

Instant payments are efficient, secure, and scalable. Learn how they work and how they’ll impact the future of the payments industry.

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Treasury management solutions: Making a payables strategy work for your business

An effective working capital plan includes solutions tailored to each business’ needs, with efficient treasury management and a clear payables strategy.

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