Vendors Payment Batch & ACH NACHA Export

Problem Statement

When multiple vendor are owed money, finance teams must manually determine who should be paid, how much to pay each vendor, and then prepare bank files externally. This process is error-prone, slow, and difficult to audit.

User Story

As a finance user,

I want to create a payment batch that automatically determines which vendors should be paid and generates an ACH export,

so I can pay multiple vendors safely and efficiently.

Scope / Behavior

Payment Batch Creation

From Accounts Payable, users can create a Payment Batch.

When creating a batch, the system:

1. Identifies all vendors with:

2. Outstanding Balance < 0

3. Valid payout method (e.g., ACH enabled)

4. Computes the payable amount per vendor using net AR/AP

5. Excludes vendors with zero or positive balances

Payment Snapshot (Implicit)

For each vendor included, the system creates a frozen payment snapshot containing:

1. Vendor ID

2. Payable amount

3. Referenced AR invoice IDs

4. Referenced AP bill IDs

5. Timestamp

Definition of Done (DoD)

1. ✔ Batch automatically selects payable vendors based on net balance

2. ✔ Payable amounts are frozen at batch creation

3. ✔ Batch review screen displays all included vendors and amounts

4. ✔ ACH NACHA export file is generated successfully

5. ✔ Exported payments cannot be duplicated in another batch