The vendor whose bank details quietly changed last week
Supplier payment fraud doesn't look like fraud. It looks like a routine update buried in a 200-line batch. SOLnova surfaces every change before approval — so AP teams catch what bank portals don't.
- Recipients
- 10
- Amount
- R 312 440,00
- Fee
- R 10,00
- Grand total
- R 312 450,00
- Recipients
- 9
- Amount
- R 287 800,00
- Fee
- R 9,00
- Grand total
- R 287 809,00
| Status | Beneficiary | Rail | Historical | Current | Delta |
|---|---|---|---|---|---|
| Matched | AVAnya Volkova | EFT | R 42 180,00 | R 42 180,00 | — |
| Amount | MCMarius Coetzee | EFT | R 38 920,00 | R 42 810,00 | +R 3 890 |
| IBAN | TMThandi Mbeki | EFT | R 15 100,00 | R 15 100,00 | — |
Where AP cycles actually break
Vendor bank details change silently
Supplier banking is updated by procurement or AP — no one flags the change in the next payment batch.
New beneficiaries onboarded mid-cycle
A new supplier appears in the file; no one asks who approved them.
Mass batches, no review attention
A 300-line AP batch gets the same 30 seconds of review as a 10-line one.
Audit happens after the fact
The audit trail exists in approvers' emails — not in the payment system.
How SOLnova solves it
New-beneficiary flagging
Every supplier added since the last batch is surfaced for explicit review.
Bank-detail change detection
Account numbers compared against the prior batch; any change is flagged.
Risk scoring + dual approval
Amounts outside the supplier history flagged. Maker-checker policy enforced — no rubber-stamps.
How a SOLnova batch moves
- 1IngestPull from source
- 2BuildMaker edits inline
- 3Track changesEvery delta surfaced
- 4Risk scoreAnomalies flagged
- 5ApproveChecker reviews
- 6ReleaseTo bank / rail
Key features
- Invoice Inbox — invoices from Xero, email, and WhatsApp land directly in SOLnova. Build a supplier batch from them in one click; checker reviews each payment line with the source invoice attached.
- Native pull of vendor master from Xero (others via file ingest).
- New-beneficiary review queue.
- Cycle-over-cycle bank-detail diff.
- Trusted-vendor lanes — pre-authorize recurring suppliers; anomalies still flagged.
- Per-line risk score and comment thread.
- Full audit log defensible to internal and external auditors.
Works with what you use
Xero (native), QuickBooks / Sage / NetSuite (file ingest). All major South African bank export formats.
See all integrationsCommon questions
How does SOLnova know what 'changed' means if we just signed up?
From the first batch, SOLnova builds the baseline. Cycle-over-cycle compare works from cycle 2 onwards. Beneficiary risk scoring works from day one using format and pattern signals.
Does SOLnova replace our AP module?
No. We sit between your accounting package and the bank — adding the review layer neither one provides.
Can we set different approval thresholds for different suppliers?
Yes. Approval policies are configurable per supplier category, batch size, and amount.