AI-powered finance and operations platform onPhase has announced a strategic partnership with TransferMate, a global leader in embedded B2B payments infrastructure. The collaboration integrates TransferMate’s extensive global payments engine directly into onPhase’s software, providing enterprise users with an all-in-one experience to automate, track, and execute international cross-border transactions alongside their domestic accounts payable workflows.
Modern finance teams routinely experience severe administrative friction and hidden transaction costs when managing international vendor bases. Coordinating overseas supplier settlements typically forces businesses to step outside their primary accounting systems to utilize separate bank portals, third-party FX providers, and manual spreadsheet workarounds. This operational fragmentation delays processing speeds, degrades cash visibility, and increases multi-currency compliance risks. The strategic integration eliminates these operational divides by creating a single connective layer that unifies complete invoice processing with automated global payment execution.
Unifying End-to-End International Payables Through API Infrastructure
The partnership embeds TransferMate’s global payments technology natively within the onPhase architecture via a secure Application Programming Interface (API). This configuration allows corporate users to pay, receive, store, and execute foreign exchange (FX) hedging strategies without abandoning the core operational dashboards where day-to-day accounts payable tracking already occurs.
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The unified technical setup upgrades core enterprise management modules:
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End-to-End Cross-Border Automation: Extends workflows flawlessly from automated invoice ingestion, routing, and approvals straight through to ultimate international cross-currency settlement.
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Consolidated Cash and Spend Control: Eliminates scattered data silos by organizing all domestic and international supplier invoices within a single, real-time command screen.
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Risk and Fraud Minimization: Strengths financial security and internal controls by removing manual intervention points and reducing payment file transfer risks.
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Sovereign Regulatory Alignment: Replaces complex compliance paths by drawing directly from TransferMate’s regulatory infrastructure, which spans 93 separate jurisdictions.
Centralizing Enterprise Liquidity in North America and Beyond
The commercial agreement establishes TransferMate as onPhase’s exclusive partner for all international cross-border payments, effectively complementing the software provider’s existing domestic payment tracks. The integration directly addresses climbing demand from middle-market businesses and enterprise clients whose supply chains increasingly span North America, EMEA, and APAC.
By running domestic and international obligations across a unified platform, corporate controllers gain an uninterrupted view of total company outlays. This enhanced visibility frees up working capital, reduces manual error margins, and enables companies to adapt quickly to fluctuating global supply dynamics. Concurrently, the tie-up broadens TransferMate’s strategic reach in embedding its specialized global infrastructure directly into the software suites that modern accounts payable teams navigate on a daily basis.
Executive Insights on Global Spend Optimization
“Finance teams are increasingly looking for ways to streamline operations, reduce manual processes and manage payments more efficiently without leaving the systems they already rely on,” said Gary Conroy, President and Chief Commercial Officer at TransferMate. “By partnering with onPhase, we are embedding global payment capabilities directly into financial workflows, helping organisations automate international payments, improve efficiency and gain greater control over their payables processes. It’s a partnership that demonstrates our continued commitment to supporting the evolving needs of finance leaders through embedded financial infrastructure.”
“Many of our customers already work with suppliers that operate beyond the United States and have locations across North America and broader EMEA and APAC markets. This partnership allows us to better support those customers, giving finance teams the ability to execute payments within the same workflows they already rely on to pay their suppliers domestically,” said Robert Michlewicz, CEO of onPhase. “When cross-border payments run on the onPhase platform, finance teams gain a complete picture of cash and payables. This visibility enables optimizing working capital and keeping pace with their growing business demands. We continue to invest in the capabilities our customers need to run their financial operations with greater efficiency and confidence, and this partnership directly aligns with that commitment.”
Technical Implementation and Workflow Onboarding
The joint cross-border payment functionalities are active and rolling out systematically across onPhase’s commercial user base. The embedded framework requires no separate corporate banking contracts or customized technical scripting, operating smoothly alongside existing document management tools, automated approval workflows, and online forms. Enterprise accounting directors, chief financial officers, and global spend managers can examine localized multi-currency capabilities, assess technical safety layers, and plan systemic onboarding pathways through their assigned corporate account managers.
