Solutions

APeX Payment Automation

Modern B2B Supplier Payments—Simplified.

Why Businesses Choose Lucrotec for Payments

Lucrotec's APeX Payment Automation solution transforms how businesses pay suppliers, ensuring efficiency, security, and flexibility across all payment types. Unlike traditional, fragmented approaches, Lucrotec orchestrates ACH, check, wire, card, and international payments through a single, unified platform—reducing manual effort while increasing accuracy and visibility.

Short answer? Results. Many of Lucrotec's 200+ partners and clients switched from other payment solutions—and saw substantially greater economic benefits.

  • Payment automation that reduces AP workload—no manual processing or tracking down missing payments

  • Guaranteed payment completion across all methods—domestic & international

  • Automated reconciliation & reporting—near real-time visibility into every transaction

  • Rebate opportunities—monetize payments by tapping into the payment supply chain

  • Seamless supplier adoption—low friction, high adoption across supplier industries

How It Works: Seamless Payment Execution

Process Invoices

Continue using your existing ERP or integrate with Lucrotec's Invoice Automation to securely transmit an approved Payment File.

Payment File Transmission

The Payment File—detailing recipients, amounts, and due dates—is securely sent to Lucrotec based on a customized batch schedule.

Secure Funding

Funds are deposited into a custodial clearing account at a tier-one bank, ensuring safety and compliance.

Payment Execution & Completion

Lucrotec manages all payment types to completion—ensuring suppliers receive payments in the most secure and efficient method they support.

Automated Reconciliation & Reporting

Payment status is provided via flat file for ERP systems, with real-time payment visibility in Lucrotec's portal. • Monthly reconciliation reports and rebate statements offer full financial transparency.

Card Products

  • Single-Use Virtual Cards
  • Ghost Cards
  • Line of Credit (LOC) Cards

Electronic Payments

  • ACH (Push & Pull)
  • Wire Transfers
  • Real-Time Payments (RTP)

Check Payments

  • Standard Checks
  • Expedited Checks
  • Special Handling Checks

International Payments

  • Foreign Exchange (FX) Payments
  • International ACH & Wire Transfers
  • Additional Payment Rails (e.g. PayPal, Boleto, etc)
With Lucrotec's APeX Payment Automation, businesses gain control, efficiency, and financial benefits—without complex system integration or upfront investment.