AP Payment Processing
Generate payments to vendors via all methods with proper controls — cheque runs, EFT, wire transfers, P-Card reconciliation, positive pay fraud prevention, holdback management, and CRA tax compliance.
EFT Generation
Cheque Print
Duplicate Pay
Holdback Accuracy
Purpose-Built for Canadian Municipalities
Purpose & Scope
What this module owns
Clear ownership boundaries prevent duplication and ensure every capability has exactly one authoritative home.
Owns
13Delegated to
6Approved invoices for payment
Vendor banking & payment method preferences
GL posting (cash, AP clearing)
Payment file generation & bank interface
Bank remittance file upload
Dual authorization & signing authority
These capabilities are handled by dedicated modules and consumed via stable API contracts — keeping boundaries clean and ownership unambiguous.
Core Capabilities
What it does
3 capability groups comprising 10 discrete capabilities — each with API surface, business rules, and data ownership.
Select approved invoices by due date, vendor, and priority — preview batch, group multiple invoices per vendor, and apply credit notes to reduce amounts.
Invoice Selection
Select approved invoices by due date, vendor, priority, or payment method.
Vendor Grouping
Group multiple invoices for the same vendor into a single payment.
Credit Application
Automatically apply outstanding credit notes to reduce payment amounts.
Preview & Approve
Preview complete batch before processing; dual authorization for release.
Print on pre-numbered or blank MICR stock with payee, amount (numeric + words), remittance listing, void tracking, and dual-signature above $50K.
MICR Printing
Print on pre-numbered or blank MICR stock with full remittance listing.
Amount Format
Amount in both numeric and written words to prevent tampering.
Dual Signature
Cheque signing machine integration; dual-signature required above $50K threshold.
Void Tracking
Track voided cheques in sequence with reason codes.
Generate CPA Standard 005 (AFT) format files with pre-notification for new vendors, dual authorization before upload, and returned/rejected tracking.
CPA-005 Format
Canadian Payments Association Standard 005 (Automated Funds Transfer) file generation.
Pre-Notification
Pre-notification (prenote) for new vendor bank accounts before first payment.
Dual Authorization
Dual authorization required before EFT file upload to bank.
Return Tracking
Track returned/rejected EFT payments with reason codes and re-issue workflow.
Urgent and international payments with wire request, bank detail verification, dual authorization, confirmation tracking, and fee allocation.
Wire Request
Create wire transfer requests with verified bank details for urgent/international payments.
Dual Authorization
Two-person authorization required for all wire transfers.
Confirmation Tracking
Track wire confirmation numbers and status from banking partner.
Fee Allocation
Allocate wire transfer fees to appropriate GL accounts.
Every module owns a single bounded context, exposes stable APIs, and can be composed into any Civic product — that's the architecture that scales.
Krutik Parikh
Creator of Civic
Data Model
Entity Architecture
4 entities with 5 relationships — the authoritative schema for this bounded context.
Entities
Select an entity to explore its fields and relationships
API Surface
Integration Endpoints
11 RESTful endpoints across 6 resource groups — plus 5 domain events for async integration.
/api/v1/ap/payments/batch
Create payment batch
/api/v1/ap/payments/batch/{id}
Get batch details
/api/v1/ap/payments/batch/{id}/process
Process batch (generate cheques/EFT)
Ecosystem
Products that depend on this module
2 Civic products consume AP Payment Processing — making it one of the most critical platform services in the ecosystem.
Technical Specifications
Performance, Compliance & Configuration
EFT File Generation
Cheque Printing
Duplicate Payment Rate
Positive Pay File Delivery
T4A/T5018 Generation
Holdback Release Accuracy
FAQ
Frequently Asked Questions
Ready to Integrate
Build on AP Payment Processing
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