Payment automation allows you to send ACH, virtual card, or Deluxe-issued checks from a single portal after approving invoices in Penta. Once items are ready to pay, our secure API brings them into the portal for review. You decide what to pay, how much, and when-without exports, file uploads, or re-keying. Your approval process in Penta stays the same; we simply replace manual steps with a faster, easier, and more controlled payment process.

While many banks now offer ACH, checks, and even virtual card payments, their programs often see low vendor adoption-meaning less of your AP spend goes through the card network, and rebates are smaller than they appear on paper. DTI's solution focuses on maximizing adoption and total spend by handling vendor outreach, setup, and ongoing support. The result is more payments flowing through rebate-generating virtual cards, often creating greater overall rebate dollars than a bank program with a higher percentage but lower usage. Plus, it's fully integrated with your Penta workflow, eliminating extra steps or separate systems.

Not every vendor will take a virtual card-adoption rates typically average around 25%-but most will accept at least one digital option such as ACH or e-check. Our goal is to help you transition away from paper checks wherever possible. When a vendor prefers or requires a paper check, we can still issue it through the Deluxe Payment Network. This ensures every vendor can be paid through the DTI payment platform, giving you confidence that all payments-digital or paper-are handled in one place.

Yes. While the goal is to move as much spend as possible to digital methods like virtual card, ACH, and e-check, we can issue paper checks through the Deluxe Payment Network when needed. Checks are printed and mailed on your behalf, and you'll always have the option to issue your own manual checks if preferred.

When vendors accept virtual card payments, a percentage of the transaction amount is returned to you as a rebate. Rebates are calculated based on total spend through the card network, not just the percentage rate. Because our program focuses on vendor adoption,

more of your AP spend flows through virtual cards-often resulting in larger overall rebate dollars than programs with higher percentage rates but lower usage. Rebates are issued monthly.

Most clients are live in 30-45 days. We securely connect your Penta environment to the DTI payment portal, then work with you to design and approve the rollout plan, messaging, and timeline for your vendors. Once approved, our team handles all outreach and setup, providing you with regular updates on enrollment progress. Finally, we train your AP staff on releasing payments in the portal.

Yes. All payments run through encrypted, PCI-compliant systems for virtual card transactions, and meet the same NACHA and banking security standards required for ACH and e-check payments. This ensures every payment type is protected to the highest industry standards, with all transactions tracked for a complete audit trail.

No. Whether you use DTI's AP workflow or another provider's, the result is the same-approved transactions are ready for payment inside Penta. We connect directly to that data to bring the payment details into the DTI portal, where you choose how to pay-virtual card, ACH, e-check, or paper check-making the payment process fast and easy.

Pricing is based on your payment volume and mix of payment types. Virtual card rebates often far exceed the low per-item transaction costs, and many clients find the program not only pays for itself but generates a net return. We'll provide a customized cost and rebate projection upfront so you can see the potential before getting started.

Yes. Payment automation can work with your existing AP process, whether you use DTI's workflow, another provider's, or no automation at all. As long as payments are approved in Penta, we can pull them into the DTI portal so you can send them by virtual card, ACH, e-check, or paper check-all from one place.

The DTI payment portal provides detailed reconciliation data, including invoice numbers, payment amounts, and payment dates. This information is easily matched to your accounting records, helping you reconcile faster and with greater accuracy.

An e-check is a digital version of a paper check sent through a secure payment network like the Deluxe Payment Network. Unlike ACH, which moves funds directly between bank accounts, e-checks allow recipients to receive the payment as an image and deposit it

electronically or as a printed check. This makes them useful for vendors who aren't set up for ACH but want faster delivery than the mail.

In most cases, no. We only issue virtual card payments to vendors who have agreed to accept them. Our vendor enablement team ensures each vendor understands how the process works, when they'll receive funds, and how it benefits them-helping preserve and even strengthen relationships.

If a vendor can't or won't accept ACH, virtual card, or e-check, we can issue a paper check on your behalf or you can choose to send your own manual check. This ensures every vendor can be paid without disrupting your AP process.

Yes. You have full control to make partial payments, split invoices across multiple payment methods, or combine multiple invoices into a single payment-whatever works best for your workflow and vendor agreements.