Settavio technology platform. Customer funds move through independent third-party financial and clearing partners.
Buyers
Stronger supply chains. Greater flexibility.

For Buyers

Approve invoices, maintain or extend payment terms and strengthen supplier relationships—without requiring Settavio to hold or move your transaction funds.

✓Maintain or extend agreed payment terms
✓Improve days payables outstanding and working-capital flexibility
✓Offer suppliers access to competitive invoice liquidity
✓AI-assisted invoice validation and duplicate detection
✓Integrate with ERP, AP and accounting workflows
Explore capabilitiesSee technology
Settavio connected earth ecosystem
Settavio connects every participant while third parties handle regulated financial functions.
Participant journey

How It Works for Buyers

Original detailed process flow
1
📄
Receive InvoiceSupplier invoice enters buyer review.
2
✓
Validate & ApproveBuyer confirms invoice details.
3
🧠
AI VerificationSettavio checks data and exceptions.
4
🧾
Invoice to MarketplaceApproved invoice becomes eligible.
5
🤝
Supplier Selects OfferSupplier chooses an investor offer.
6
🏦
Third-Party ClearinghouseExternal provider facilitates settlement.
7
📅
Pay at MaturityBuyer pays designated third-party provider.
Secondary ecosystem view

Key Benefits

  • ✓ Extend working capital
  • ✓ Strengthen supplier relationships
  • ✓ Increase transaction visibility
  • ✓ Improve supply-chain resilience
BuyerApprove
SupplierInvoice
ClearinghouseSettle
InvestorFund
InsurerProtect
Settavio SSettavioAI + Marketplace
+ Orchestration
Connected ecosystemSettavio coordinates AI, marketplace data and workflow across every participant.
Funds never pass through Settavio. Money movement and settlement occur through independent third-party providers.
Platform capabilities

Purpose-built for buyers.

Each participant receives a tailored workflow while Settavio maintains a shared transaction record and integration layer.

Settavio

Invoice approval workspace

Confirm amount, due date, delivery evidence and dispute status before an invoice is eligible for the marketplace.

Settavio

Supplier enablement

Invite suppliers into a financing option that can improve liquidity without changing the buyer’s procurement relationship.

Settavio

AI reconciliation

Match invoices to purchase orders, receipts and contract terms; flag mismatches before settlement instructions are generated.

Settavio

Payment-term orchestration

Coordinate extended or maintained terms while preserving a date-certain repayment obligation.

Settavio

Settlement visibility

Track third-party clearing status, exceptions and confirmations without Settavio taking custody of funds.

Settavio

ERP connectivity

Connect existing AP and accounting systems through APIs, files and webhooks rather than replacing the buyer’s core system.

Operating model: Settavio is designed as a technology layer. Buyers approve obligations and receive workflow visibility; regulated or independent financial partners perform actual money movement.
Third-party clearinghouse: funding and repayment move through designated external financial infrastructure. Settavio may transmit instructions, statuses and reconciliation data, but it does not receive or possess transaction principal.

Explore the Settavio ecosystem.

Move between participant pages or return to the marketplace overview.

HomeTechnology