Procurement Digitalization: Why Embedded Finance Changes the Game

Your procurement process is digital from end to end. So why are some supplier payments still taking 90 days?

Despite advances in procurement automation, payments remain a sticking point. Delays strain supplier relationships and create friction between Finance, Procurement, and Operations.

That’s where embedded finance steps in. Connected to your existing tools (ERP, Purchase-to-Pay, Source-to-Pay platforms), it transforms payments into a strategic lever. The goal? Strengthen supplier relationships while maintaining cash flow control.

And with Aria, it’s refreshingly simple.

What is Procurement Digitalization? 

Gone are the days of managing purchases via Excel sheets, email approvals, and disjointed processes. Digital procurement tools—ERP systems like NetSuite, SAP, or Oracle—automate low-value tasks, improve supplier collaboration, and boost agility.

With solutions like Aria, this digital chain doesn’t stop at orders or invoicing—it integrates payment too. Embedded directly in your ERP environment, finance becomes a native feature.

Payments: The Weak Link in Supplier Relationships

Even with modern procurement processes, payment delays continue to hurt suppliers, trigger disputes, and undermine ESG goals.

What if processing supplier invoices became a growth driver instead of a blocker?

By embedding payment capabilities into your existing tools, you can:

• Align Finance and Procurement with shared visibility over outflows.
• Better manage your long-tail suppliers – those partners representing low volumes but high complexity
• Strengthen supply chain resilience by supporting your strategic suppliers’ cash flow.
• Mitigate risks of late payments, supply disruptions, or supplier insolvency.

With Aria’s embedded finance layer, you add a critical missing piece to your procurement stack, without overhauling your current systems.

Embedded Finance Within Your Procurement Tools

Seamless Payments with Aria

Aria makes financing native within your ERP, P2P, or treasury management system. No new tools. No process overhauls.

And it’s not just for your biggest suppliers. Non-strategic purchases often account for 20% of spend while consuming 80% of supplier management complexity. Large suppliers can access traditional bank financing, but smaller vendors (SMEs, freelancers, craftspeople) often can’t.

How does it work? Through reverse factoring (Pay Early), Aria pays your supplier upon invoice acceptance. You reimburse later, at the planned due date.

A flexible, integrated solution designed to simplify your payments and strengthen relationships.

A New Strategic Lever for Procurement Teams

With Aria, procurement teams gain agility without changing tools. You adjust payment terms according to cash flow constraints while offering immediate settlement to suppliers.

Better yet: dynamic discounting can complement reverse factoring. The earlier a supplier chooses payment, the higher the applied discount. This rate calculates automatically based on days between issue and payment dates.

Result? Stronger supplier relationships and instant savings on your invoices. It’s a smarter way to put your cash to work compared to leaving it in low-yield accounts.

Suppliers Get Paid Faster

With Aria, suppliers can receive payment upon invoice approval without waiting for the due date – or needing to change their invoicing process.

For them, fast access to cash means stability, reduced default risk, and a stronger partnership with you.

Better Payments, Better Procurement: A Concrete ESG Driver 

Payment delays endanger small structures in your supply chain: micro-enterprises, craftspeople, freelancers. For them, every day counts. By shortening delays, you strengthen their cash flow and your entire supplier ecosystem‘s stability.

It’s also a tangible way to boost your ESG credentials:

• Improve your ESG score with concrete supplier payment practices.
• Gain a competitive edge in tenders where ESG maturity is a differentiator.
• Back your sustainability communications with measurable impact.

Public initiatives across Europe, like the UK’s Prompt Payment Code and EU payment practices regulations, increasingly encourage fair payment practices to support supplier ecosystems.

You’ve Digitized Procurement. Time to Rethink Payments.

You’ve automated orders, sped up approvals, and digitized invoicing. But payments are often still underleveraged.

By embedding Aria into your existing environment, you can streamline payments, safeguard cash flow, and enhance your ESG impact.

With Aria, procurement isn’t just digital—it becomes a lever for financial, relational, and sustainable performance.

Embedded Finance & Procurement: Your Questions Answered

How does Aria integrate with our existing systems?

Aria offers seamless API integrations with leading ERPs and P2P platforms. This integration enables rapid implementation without disrupting existing processes.

Can Aria support multi-country and multi-currency payments?

Yes. Aria supports buyer-supplier payments in over 100 countries with multi-currency processing capabilities.

How can suppliers choose when to get paid?

Suppliers can access early payment through a simple link or button integrated directly within your ERP.