Payments & Reconciliation
Real-time payment flows powered by cwbi.itPayments & Reconciliation
Explore how Faktury In Cloud integrates advanced payment services — Payment Links, Request to Pay (R2P), and automated Match & Manage — enabling real-time banking and enterprise payment flows.
Payment Links
Instant, secure payment links embedded in invoices, emails or portals — faster payments with automatic reconciliation.
Request to Pay (R2P)
Structured payment requests sent through banking channels for traceable, real-time confirmations.
Match & Manage
Automatic multi-signal reconciliation that maps received payments to issued invoices, with full audit trails and exceptions handling.
Payment Links
Enrich your electronic invoices with an automatically generated payment link that allows customers to pay directly from the courtesy copy or from the invoice email. Payment Links remove friction for payers and increase conversion.
How it works
- One-click link generation tied to an invoice ID.
- Secure tokenized links with expiry and optional payer authentication.
- Webhook callbacks notify Faktury In Cloud and your ERP when payment completes.
Benefits
- Faster cash collection and reduced DSO.
- Improved payer experience (pay from email or portal).
- Automatic reconciliation between open items and received payments, guaranteeing faster and more accurate liquidity management.
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Request to Pay (R2P)
Request to Pay is a standardized electronic message that enables the beneficiary (the entity receiving the payment) to send a payment request to the payer before the transaction occurs. R2P enables secure, traceable, real-time payment flows and can integrate with bank confirmation channels.
Use cases
- Automated invoice-to-request lifecycle — send R2P when invoice is issued.
- Subscription or instalment payments where payer confirmation is required in advance.
- High-value invoices that require payer acceptance before execution.
Technical notes
- R2P messages follow bank/rail-specific formats and can include structured data (amount, invoice ID, due date).
- Support for instant confirmations and callbacks so your systems receive immediate settlement status.
- Retry and fallback logic ensures requests complete even if some channels are temporarily unavailable.
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Match & Manage (Automatic Reconciliation)
Match & Manage automatically pairs issued invoices with received payments — whether those payments arrive through your dashboard or directly into your bank account, the system updates statuses in real time and automates the full reconciliation workflow.
Core capabilities
- Multi-signal matching: reference numbers, amounts, payer identifiers and timestamps.
- Auto-settlement rules and tolerance thresholds (partial payments, rounding).
- Exception queues with human-in-the-loop tools for ambiguous matches.
Operational benefits
- Significant reduction in manual reconciliation effort.
- Real-time visibility on cash position and reconciled items.
- Comprehensive audit trail for compliance and accounting.
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Integration & Security
Faktury In Cloud exposes APIs and webhook endpoints for easy integration with ERPs, payment gateways and banking rails. All communications are encrypted, tokenized and logged. We support role-based access, detailed audit logs and optional 2FA for reconciliation operators.
Ready to enable real-time payments for your clients?
Contact our payments team to discuss integration, pricing and pilot projects.
Talk to our Payments Team