Fine guilloche line pattern evoking secure financial documents

Payment Leakage

Let the control pass
before the payment does.

RedOwl applies your own policy, authority, invoice and vendor checks before money leaves the business. Routine payments keep moving. Exceptions wait for a person.

Start your Leakage Assessment Book a demo

Once money moves,

control becomes recovery.

WHAT REDOWL STOPS

The payments
you should never make.

Duplicate payments

Same supplier, amount and reference, caught before release.

Changed bank details

New destinations verified before money follows them.

Outside authority

Above delegation, or approved by the person who asked.

Off-policy spend

Category, merchant and budget rules applied in real time.

No matching invoice

Payments without the PO, receipt or invoice behind them.

Unusual patterns

Split payments, round sums and timing that doesn't fit.

Intent. Policy. Evidence. Vendor.

Four checks. Then the money moves.

01 / 05

Intent

A request for quarterly maintenance is captured with its purpose and PO 4471.

02 / 05

Policy

Within delegated authority. Requester is not the approver.

03 / 05

Evidence

The invoice matches the PO and the agreement.

04 / 05

Vendor

Bank details changed by email two days ago. The payment pauses until the supplier confirms through a known contact.

05 / 05

RedOwl

RedOwl stops the $18,400 payment before it is released and flags the exception to the AP controls lead to confirm with the supplier.

IntentPO 4471

PolicyWithin authority

EvidenceInvoice matched

VendorBank details changed

$18,400paused · PAY-7731

RedOwlException flagged

Supplier payment · PAY-7731$18,400

Stopped

Flagged toAP controls leadConfirm bank details with supplier

Commercial card

Spend intent, captured
before the card is used.

Card payments are one path through the same controls. The purpose, budget and approval are agreed first; the card follows. Built with Mastercard Commercial Payments capabilities, with HSBC as the first issuer in market.

Card and account-to-accountOne set of controls across every way money leaves.

Decision recordReviewer, rationale and timestamp kept with the payment.

Routine stays fastOnly exceptions wait. Everything else moves.

Specifications

Payment Leakage, in detail.

Checks: Policy, delegated authority, segregation of duties, invoice and PO match, vendor verification, duplicates, budget
Rails: Supplier payments, commercial card, account-to-account
Outcomes: Release · Pause · Hold for verification · Investigate
Evidence: Intent, checks passed, rule triggered, reviewer and rationale
Card issuing: Via NIUM (AFSL 464627) on Mastercard Commercial

FAQ

Is this only for commercial cards?

No. The same controls apply to supplier payments, card spend and account-to-account transfers.

Whose rules are applied?

Yours. Your policy, your delegations, your vendor master. RedOwl enforces them consistently.

How much value is leaking?

Find the difference before you pay it.

Start with twelve months of your own transactions. See your baseline in days, then turn it into controls that run every day.