NetSuite gave finance teams a system of record they could trust. One place for the general ledger (GL), vendors, bills, and approvals. NetSuite Electronic Bank Payments (NetSuite EBP) is built on that foundation, giving AP teams a structured, reliable way to generate and manage electronic payments—a real improvement over manual processes. For many teams, it’s a solid starting point. Charted Payment Automation takes it further, eliminating the remaining steps requiring you to leave your ERP to upload NACHA files or log into bank portals.
As businesses grow and AP processes need to scale—with more entities, more currencies, more vendors, more approvers, more regulatory pressure—finance leaders start asking a different set of questions. How do we pay vendors in 40+ countries using the same workflow we use domestically? How do we close the fraud gap that opens every time a vendor wants to email us their new banking info? How do we keep cash in our own bank until the moment a payment is executed?
That’s where Charted Payment Automation comes in. It runs entirely inside the NetSuite instance you already use, alongside Vendor Onboarding, Invoice Automation, Approval Automation, and Accrual Automation. The goal isn’t to replace what NetSuite does. It’s to extend it, adding the depth, breadth, and controls that teams with complex, multi-entity financials need to run payments at scale.
Here’s how Charted Payment Automation builds on what NetSuite payments already gives you.
1. One queue for every payment type: Domestic, international, and check
NetSuite-native payments handle domestic ACH extremely well. Most teams wanting to pay internationally, cut a check, or perform mixed payment runs end up bouncing between tools, bank portals, and manual processes to get the job done.
Charted Payment Automation consolidates all of it into a single Ready for Release queue inside NetSuite:
- Domestic ACH is processed through secure, purpose-built payment infrastructure.
- International payments to 200+ countries, originating from the US, with native multi-currency support.
- On-premises check printing on blank check stock with configurable templates.
- Outsourced check printing and mailing for teams who want checks off their plate entirely.
The simplicity is embedded into the process, with one approval pass, one queue, and one complete audit trail. No system-switching, no separate logins, no parallel processes for the international vendors versus the domestic ones.
2. Vendor banking verified at onboarding, not at payment
This is the single biggest difference between a payment workflow and a payment control workflow, and it’s where Charted Payment Automation does its most important work.
In most AP processes, the riskiest moment isn’t paying a vendor. It’s trusting the banking details you’re sending money to are real and unchanged. A vendor emails over a “new account number.” Someone in AP keys it into the vendor record. The payment goes out. By the time you realize it was a spoofed email, the money is gone. Situations like these are why vendor banking fraud is so common—making up a significant amount of asset-based misappropriation schemes, which in turn make up 90% of business fraud according to the 2026 Occupational Fraud Report from the Association of Certified Fraud Examiners.
Charted closes that gap by connecting Vendor Onboarding and Vendor Management directly to Payment Automation. When a vendor is onboarded, they submit their banking details through a secure email link: no portal login, no PDF over email, no AP team member typing an account number from a phone call. The onboarded information lands directly in restricted NetSuite File Cabinet folders, attached to the vendor record. Any future change to those banking details routes through a defined approval workflow before it ever touches a payment run.
The vendor you onboarded securely is the vendor you pay securely. Same record, same audit trail, same governance, all inside NetSuite.
3. Cash that stays in your bank until the moment a payment executes
Some payment platforms ask you to prefund an account, meaning your cash leaves your bank and sits in a third-party wallet or escrow balance before any vendor is actually paid. It’s a workflow choice some organizations are fine with. For finance leaders focused on treasury control and working capital, it’s not.
Charted Payment Automation runs against your existing bank accounts. There’s no prefunded wallet, no escrow, no float sitting outside your control, and no third-party collecting interest on a prefunded balance you’re required to park before a payment can be made. Funds move from your bank to the vendor’s bank when the payment is executed. ACH runs without manual NACHA file handling, so the tamper-and-redirect vector that drives payment fraud simply isn’t part of the workflow.
For Controllers and CFOs, this is the kind of financial control posture that’s worth asking about—not as a feature, but as a treasury and risk decision.
4. International payments that don’t require a separate workflow
Paying a vendor in Germany, Japan, or Brazil shouldn’t mean a different process than paying a vendor in Ohio. With Charted Payment Automation, it doesn’t.
International payments originating from the US go through the same Ready for Release queue as domestic ACH and checks. Coverage spans 200+ countries with multi-currency support, and NetSuite handles FX gains and losses natively, so no manual journal entries at month-end and no spreadsheet reconciliation between your AP tool and your GL. Vendor banking details for international suppliers are collected via the same secure onboarding link used for domestic vendors, so there’s no separate process to manage or audit.
For multi-entity, multi-country organizations, this is the difference between a payment workflow that scales with the business and one requiring a new process every time you open an entity in a new country.
5. A full audit trail on every payment, inside NetSuite
Payment Automation runs natively inside NetSuite rather than through a connector or middleware, so every payment keeps its complete record where it belongs. Approval chain, timestamps, FX rate at execution, and supporting documents stay on the bill payment record. Payment history and vendor payment information lives in the Charted Secure Payment Portal, also within NetSuite. Everything is in one place, visible to the AP team, the Controller, and internal and external auditors without anyone exporting from a separate system.
When an auditor asks who approved a $250K wire to a new international vendor last quarter and what verification process the banking details went through before payment, the answer is already in NetSuite. No reconstruction needed, no email-thread forensics taking up hours.
What this looks like in practice
For finance leaders on NetSuite who are getting more complex—adding entities, paying internationally, managing more vendors, navigating tighter audit scrutiny—Charted Payment Automation isn’t a replacement for the foundation NetSuite gives you. It’s the next layer.
You get:
- One workflow for ACH, checks, and international wires; no system-switching required.
- One audit trail connecting vendor onboarding, banking verification, approval, and payment execution.
- One source of truth for payment status, FX accounting, and reconciliation, all inside NetSuite.
- Zero prefunded accounts—your cash stays in your bank until payments are executed.
- 200+ countries covered via US-originating international payments, with native multi-currency support.
- Vendor banking fraud exposure is closed at the intake layer, not patched at the payment layer.
Across the Charted customer base, finance teams process 3.5M+ invoices a year through this NetSuite-native model, and over 1000 organizations rely on it for end-to-end AP automation. The pattern we see consistently is teams who don’t outgrow NetSuite; they outgrow the payment workflow they started with, and they find that adding depth without adding another disconnected system is the right answer.
Ready to see what’s possible
If you’re already paying vendors out of NetSuite and starting to feel the friction—international vendors handled separately, vendor banking changes routed over email, cash sitting in a prefunded account, payment status scattered across systems—Payment Automation is built for your next chapter.
It lives where your team already works. It extends what your ERP already does. And it gives finance leaders the kind of control over payments that holds up to a board review, an audit, and a treasury conversation.
