Netaro — Global Supply Chain Finance
Industry · Manufacturing

Settlement and AP infrastructure for heavy manufacturing supply chains

Netaro is built for CFOs and AP leaders running multi-jurisdiction industrial supply networks — tier-1 through tier-3 suppliers, fragmented across regions, invoiced in a dozen currencies, and gated by three-way match. Our infrastructure automates PO-to-payout, so procurement never waits on a correspondent bank.

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Three-way match · consoleLive
Match confirmed · payout approved
Cross-border payout · Manila₱ 14.2M · < 60 min

Hover a row to preview the field alignment. Illustrative.

Overview

Where Netaro fits inside a heavy-manufacturing AP stack

Netaro sits between the ERP where the PO originates and the correspondent banking network the invoice would otherwise traverse. Instead of exporting a payment file at 4pm and hoping SWIFT clears by end-of-week, procurement events flow into Netaro, three-way match is executed against normalised PO / GRN / invoice fields, and payout is released to the supplier in local currency once financial compliance passes.

The friction

The AP and settlement friction operators live with

  1. 01
    Fragmented supplier base

    Multi-jurisdiction tier-2 and tier-3 suppliers each expect payment on their local rails, in local currency, on their local schedule.

  2. 02
    Manual three-way match

    AP teams still reconcile POs, invoices, and GRNs by hand — creating downstream disputes, duplicate payments, and audit exceptions.

  3. 03
    SWIFT delays halt production

    Multi-day settlement and weekend cutoffs mean a small treasury delay becomes an assembly-line stoppage.

  4. 04
    FX and hedging leakage

    Correspondent-banking markups and inconsistent FX pricing erode margin on every cross-border invoice.

Operating layer

Four connected layers, one operating surface

Document ingest feeds reconciliation, treasury and FX, and financial-compliance screening — with settlement as the final action, not a separate vendor.

Layer 01

Reconciliation

InputPO · GRN · InvoiceFunctionThree-way match
  • Sub-60 minute cross-border settlement
    Pay tier-2/3 suppliers 24/7/365, bypassing correspondent-bank cutoffs and weekend delays.
  • Programmable multi-currency accounts
    Hold and route USD, USDC, USDT, AED, and PHP under one audit-ready ledger, with EUR, SGD, INR, HKD on the roadmap.
WorkflowIllustrative

PO → goods receipt → invoice → three-way match → payout

How a typical Netaro-automated supplier payout runs against a manufacturer's ERP.

  1. Step 01
    Purchase Order

    PO created in SAP/NetSuite and streamed to Netaro.

  2. Step 02
    Goods Receipt

    GRN posted at the receiving dock and matched to the PO.

  3. Step 03
    Invoice Ingest

    Supplier invoice parsed and normalised, including line items.

  4. Step 04
    Three-way Match

    Netaro reconciles PO / GRN / invoice and flags exceptions.

  5. Step 05
    Payout Executed

    Sub-60 minute payout in the supplier's chosen currency.

Illustrative workflow. Actual ERP fields and thresholds are configured per customer.

ScenariosIllustrative · not customer cases

How this shows up in operator workflows

Illustrative
Actor
OEM automotive treasury
Trigger
Weekly supplier payout batch across multiple regions
Netaro action
Ingest ERP payment file, run three-way match, dispatch per-supplier payouts
Operational outcome
SWIFT wires replaced; manual PO-invoice matching eliminated
Works with your stack

The systems your finance and ops teams already run

ERP · integrations
  • SAPbi-directional
  • Oracle NetSuitebi-directional

Netaro ingests events from erp systems and returns settlement, reconciliation, and audit metadata to the same ledger.

Financial controls

Auditability from ingest to payout

Every event is captured to an immutable ledger — designed for internal audit, financial reporting, and treasury oversight.

  1. Step 1
    KYB onboarding
    Beneficial-owner verification per counterparty.
  2. Step 2
    Sanctions & PEP screening
    Real-time screening on every payout.
  3. Step 3
    Payment metadata capture
    Every event written to an immutable ledger.
  4. Step 4
    Multi-signer approval
    Configurable thresholds per policy.
  5. Step 5
    Audit-ready exports
    Financial reporting and internal audit ready.
Immutable ledger · payments auditStreaming
tevent · refstate
00:12:04invoice.ingested · INV-2419captured
00:12:05match.executed · PO-88214matched
00:12:05kyb.verified · CTR-118cleared
00:12:06sanctions.screened · PAY-7742cleared
00:12:07approval.multisig · POL-A2signed
00:12:08payout.settled · TX-9F12final
hash · 0x8f…3a2cappend-only
Questions

Frequently asked

Direct answers to what treasury and AP leaders ask before onboarding.

Does Netaro plug into our ERP three-way match?
Yes. Netaro ingests POs, invoices, and goods receipt notes from SAP or Oracle NetSuite, executes the three-way match, and only releases payout once the match and financial-compliance checks clear.
Which supplier currencies can we pay today?
USD, USDC, USDT, AED, and PHP are live. EUR, SGD, INR, HKD, and BRL are on the roadmap. Corridors outside this list can be requested and are prioritised based on operator demand.
How do we handle high-frequency, low-ticket supplier payouts?
Netaro exposes a payout API and webhook triggers so an ERP or procurement system can dispatch batches of supplier payments programmatically, with per-supplier FX and compliance handled automatically.
How does Netaro reduce line-down risk from banking delays?
Netaro settles cross-border supplier payments in under 60 minutes, 24/7/365, so procurement is not exposed to weekend, holiday, or correspondent-bank cutoffs that stall shipments.
Is this a rip-and-replace of our AP stack?
No. Netaro sits alongside your ERP, accounting, and spend management systems and syncs ledger events back into them. Existing AP workflows remain the system of record.
How is FX priced for manufacturing corridors?
Conversions execute at mid-market rates through Netaro's Instant Swap engine, with transparent bps-level spreads and no hidden correspondent-banking markups.
Ready when you are

Move heavy manufacturing payments onto a single operating layer.

Enterprise onboarding includes KYB verification, a treasury architecture review, and a dedicated settlement engineer.

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Next

Programmable Multi-Currency Accounts