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Payment Automation & Optimization

Optimize B2B Payments with Active Payments

For over 25 years, Miria has been a recognized expert in automation of transactions and workflow. Our ActiveOps platform digitally transforms businesses and drastically improves workflow processes for companies of varying sizes and industries. Two core applications which automate Accounts Payable transactions include Active AP and Active Payments. Active AP automates and streamlines the payment of invoices through the approval process (Ready to Pay). Active Payments enables payment optimization, execution and reconciliation through bank processors (Optimize and Pay), enables ePayments and mobile pay.

Optimizing Payments

Processing B2B payments is complex and costly. Many organizations receive high volumes of invoices each month against thousands of different suppliers, each with preferred or limited methods of receiving payment.

Without clear visibility into payments and the flexibility to choose how and when payments occur, organizations risk significant costs in the form of increased expenses and foregone savings.


Active Payments automates and optimizes the payments process. it learns the ever-changing status of the types of payments suppliers accept, where to send them, what format to send them in, and to whom they should be sent. It tracks and secures sensitive bank account information and routing numbers. Through a single interface, decisions can be made to choose the best type of payment (e.g. ePayments - ACH, vCard) grouping of payments, and timing of payments to reduce cost as well as maximize discounts and early payment options.

Active Payments' ability to collect, maintain, and securely store supplier information is the key to automating and optimizing B2B payments and even allows for more visibility and control with mobile pay via our mobile application: Active Mobile.

Our Supplier Network

With Miria, you'll have access to an extensive supplier network to facilitate payment optimization on an ongoing basis. We'll recruit, manage and maintain our network so that you can take advantage of the most beneficial payment acceptance types of your suppliers.

supplier network

Saves Time, Saves Money, Improves Supplier Relationships

Active Payments provides the ability to manage different types of payments with the key objective of paying by the method which offers the lowest cost and the highest value (payment optimization). Miria will execute payments on behalf of our clients taking advantage of the optimal processing
fees charged by the bank or card issuer.

Average Processing Fees Charged by Banks and Card Issuers Vary According to Payment Type Below.
Miria will Optimize the Fees They Charge on Behalf of Our Clients.

$3

CHECK

$.25-.50

ACH

$10-50

WIRE

1.75-3.25%

vCARD

How it Works:

With Active Payments you can:

  • Optimize the payments process to greatly reduce cost
  • Increase revenues with card payments
  • Create visibility in the payments process
  • Support multi-country, multi-currency payments
  • Minimize Fraud
  • Streamline the reconciliation process
  • Outsource check printing & mailing
  • Manage exceptions
  • Bring AP, transactions, and payments into a single workflow
  • Ensure compliance with "Know your Customer"
  • Automate processes consistent with compliance policies
  • Improve vendor management

For those organizations who still pay suppliers with checks, Miria offers outsourced check print & mail services at a fraction of the cost to produce in-house, while providing a path to fully electronic payments and lower transaction costs.

Want to learn more about Payment Automation? Watch our Webinar!

Let's Talk

Contact us to discuss your business process automation needs,
or schedule a demo with us!

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484.446.3300