Integrated Payables
Streamline payments, cut costs, and drive revenue with an integrated payables solution
UMB offers end-to-end integrated payables solutions that help businesses achieve payment automation quickly and easily.
Seamless Integration
Layering integrated payables onto your accounting system can create a streamlined process for paying your vendors using a single file that can accommodate multiple payment types, including virtual card, ACH, check and wire.
Enhanced Security
Reduce your exposure to payment fraud by converting paper payments to electronic payments.
Improve Efficiency & Financial Control
Automate day-to-day functions and improve your cash flow by gaining more control over payment timing and increased visibility in reconciliation.
Integrated Payables Features
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Full service vendor enrollment
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Single payment file for all payment types
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Robust, active network of vendors
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Eliminate paper checks
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Electronic invoice delivery
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Secure storage of bank account information
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Enhanced remittance information
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Faster cash application for ACH and card payments
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Exchange business documents online
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Track payment status
A Complete Set of Treasury Services
Integrated payables is part of a broad treasury management offering designed for businesses seeking smarter cash flow, enhanced reporting, and improved financial control. Services include:
- Integrated receivables
- ACH and wire transfers
- Positive pay
- ACH filter
- Lockbox services
- Remote and mobile deposit
- Commercial card programs
Featured Blogs
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How commercial credit cards can improve cash flow, efficiency and security for your business
Read NowIn the business-to-business (B2B) world, checks have long been the preferred method of payment, but the rise of electronic options is changing the payables landscape. According to the Association for Financial Professionals’ (AFP) 2025 Digital Payments Survey ‡, 76% of...
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The One Big Beautiful Bill Act: What business owners and operators need to know
Read NowOn July 4, 2025, the One Big Beautiful Bill Act (OBBBA) ‡ was signed into law by President Donald Trump. The sweeping piece of legislation included an array of provisions that impact both individuals and businesses. If you’re a Colorado...
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Instant payments: The future of payments is here
Read NowAsk anyone in the payments industry what the future of payments is, and they’ll likely have a very quick answer: instant payments. As businesses increasingly move operational systems online, instant payments are key to making payables more efficient, secure and...
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Treasury Management solutions: Making a payables strategy work for your business
Read NowAn efficient working capital plan includes a comprehensive approach with solutions tailored to each business’ specific needs. One thing all businesses have in common is the need to create operational efficiencies, and effective treasury management offers multiple ways to achieve...
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Top considerations for building an efficient payables program
Read NowThere is no doubt that paying by check is a comfortable and familiar payment method for many business owners and operators, with 75% of organizations still using checks for outgoing payments, according to the 2024 Association of Financial Professionals (AFP)...
Ready to Upgrade?
Contact us to have our team assess your current payables workflow and recommend an integrated payables solution that can transform your accounts payable process into a streamlined, strategic function.
