--- title: B-Flow | ERP-to-Bank Payment Automation | Systems X description: B-Flow automates enterprise ERP-to-Bank payments with full audit trail. ISO 20022, host-to-host, ACH, Wire, SEPA. By Systems X. image: https://www.systems-x.uy/hubfs/SX%20LOGOS/Logo%20SystemsX%20Horizontal%20RGB-2.png --- [![Systems X](https://www.systems-x.uy/hs-fs/hubfs/SX%20LOGOS/Logo%20SystemsX%20Horizontal%20Monocromatico%20Diapo.png?width=520&height=212&name=Logo%20SystemsX%20Horizontal%20Monocromatico%20Diapo.png) ![Systems X](https://www.systems-x.uy/hs-fs/hubfs/SX%20LOGOS/Logo%20SystemsX%20Horizontal%20RGB-2.png?width=520&height=212&name=Logo%20SystemsX%20Horizontal%20RGB-2.png)](https://www.systems-x.uy/?hsLang=en) - [What we do](https://www.systems-x.uy/whatwedo) - Products - [SXtractify](https://www.systems-x.uy/sxtractify) - [Dexaro](https://www.systems-x.uy/dexaro) - [B-Flow](https://www.systems-x.uy/b-flow) - [X-Turf](https://www.systems-x.uy/x-turf) - [About Us](https://www.systems-x.uy/why-systems-x) - [Contact us](https://www.systems-x.uy/contactus) - [What we do](https://hello.systems-x.uy/contactus) - Products - [B-Flow](https://hello.systems-x.uy/contactus) - [X-Turf](https://hello.systems-x.uy/contactus) - [About us](https://hello.systems-x.uy/contactus) - [Why Systems X](https://hello.systems-x.uy/contactus) - Careers - Your Team [ES](https://www.systems-x.uy/b-flow?hsLang=es) EN × [![Systems X](https://www.systems-x.uy/hs-fs/hubfs/SX%20LOGOS/Logo%20SystemsX%20Horizontal%20RGB-2.png?width=520&height=212&name=Logo%20SystemsX%20Horizontal%20RGB-2.png)](https://www.systems-x.uy/?hsLang=en) - [What we do](https://www.systems-x.uy/whatwedo) - Products - [SXtractify](https://www.systems-x.uy/sxtractify) - [Dexaro](https://www.systems-x.uy/dexaro) - [B-Flow](https://www.systems-x.uy/b-flow) - [X-Turf](https://www.systems-x.uy/x-turf) - [About Us](https://www.systems-x.uy/why-systems-x) - [Contact us](https://www.systems-x.uy/contactus) - [What we do](https://hello.systems-x.uy/contactus) - Products - [B-Flow](https://hello.systems-x.uy/contactus) - [X-Turf](https://hello.systems-x.uy/contactus) - [About us](https://hello.systems-x.uy/contactus) - [Why Systems X](https://hello.systems-x.uy/contactus) - Careers - Your Team [ES](https://www.systems-x.uy/b-flow?hsLang=es) EN B-FLOW · ENTERPRISE PAYMENT AUTOMATION # Automate ERP-to-Bank payments with a full audit trail B-Flow eliminates the time cost and audit risk of exporting payments from your ERP to spreadsheets. One platform for host-to-host payments, ISO 20022 compliance and full reconciliation — fully cloud-based, with no infrastructure to maintain. [Talk to a payments specialist](https://www.systems-x.uy/contactus?intent=book&label=payments_specialist&hsLang=en#intent) [See how it works](https://www.systems-x.uy/b-flow#process) ISO 20022 native · Role-based audit trail · 100% cloud · Multi-tenant architecture THE FINANCIAL IMPACT ## The hidden cost of manual payments Exporting payments from ERP to spreadsheets does more than waste time — it introduces errors, drains your team and creates risk at every audit. ### Manual export, costly errors Payment file errors trigger vendor disputes, missed early-pay discounts and hours of rework. ### Reconciliation drains your team Hours per day exporting, mapping and reconciling files across ERP and multiple banks. ### Audit trail gaps Missing approval trails and manual reconciliation create risk at every internal or external audit. THE PLATFORM ## Enterprise payments, audit-ready by design B-Flow was built with client compliance requirements at its core — from ISO 20022 formats to full role-based audit trails on every transaction. Audit trail on every transaction ### Built for compliance-heavy operations Every payment carries a full audit trail: approvals, timestamps and user identity. Built with client compliance requirements at its core. - Full transaction audit trail - ISO 20022 native (built for client compliance) - Role-based security and permissions - Localization support (multi-country) Local + international ### All major payment types Connect B-Flow to any bank via host-to-host, API or secure file drop. Support for every major payment format your operation needs. - ACH · Wire · EFT · SEPA - Host-to-host to any bank - Multi-format output (ISO 20022, MT, custom) - Cross-border with FX support Fully managed cloud platform ### Zero infrastructure, enterprise scale B-Flow runs 100% in the cloud with a multi-tenant architecture. No servers to manage, no capacity planning, no maintenance windows. - 100% cloud-based - Multi-tenant architecture - Powerful scheduler engine - Custom business rules and data mappings HOW IT WORKS ## From discovery to go-live in weeks Our process is proven across large-enterprise B-Flow implementations. Every step is designed around your team, not our billable hours. 01 ### Discovery We map your current payment flow, ERP, banks and compliance requirements. 02 ### Payment Setup We configure payment types, business rules and data mappings for your operation. 03 ### Bank Integration We connect B-Flow to your banks via host-to-host, API or secure file drop. 04 ### Validate & Test We run test batches end-to-end and validate the audit trail before production. 05 ### Training Your team learns the portal and daily operations — no lift-and-shift surprises. 06 ### Go Live First real payment cycle in production, our team on-call to ensure zero disruption. 07 ### Customer Support Continuous customer and bank integration support — long-term partnership, not a project handoff. SECTORS WE SERVE ## Enterprise payment complexity, meet automated flow B-Flow is built for organizations with high payment volume, multiple banks and compliance requirements that spreadsheets cannot handle. ### Manufacturing High-volume vendor payments across regions, multiple ERPs and cross-border operations. ### Retail & Distribution Daily supplier settlements at scale — thousands of payments, multiple banks, tight cash flow cycles. ### Financial Services Compliance-heavy payment operations — audit-ready trails, role-based approvals, regulatory formats. ### Logistics Cross-border payments with multi-currency operations and international bank connectivity. WHY WORK WITH US ## Accelerating your business digital transformation B-Flow implementation is based on a mature process with years in practice, carried out by a team with many years of experience — focused solely on making your business more profitable and efficient. 01 #### Our process is proven Solidified across large-enterprise B-Flow implementations across geographies. Lessons learned baked into every new engagement. 02 #### We listen to your team Smooth transitions, respect for what your team already knows. We won't tell your team things you already know. 03 #### We understand your business Optimize every functional area, not just the payment flow. Our mission is to identify opportunities across your operation. 04 #### We deliver unmatched value Long-term partnerships, never driven by billable targets. We do what's right for our customers, every time. [Talk to a payments specialist](https://www.systems-x.uy/contactus?intent=book&label=payments_specialist&hsLang=en#intent) Free discovery call · Response within 24h PRICING ## Scoped to your operation Two paths to start with B-Flow. Both are Initial Setup + Annual Fee — scoped to your operation. Contact us to size a plan that fits your volume and integrations. ### Starter Contact us Initial setup + annual fee — no per-transaction cost - 1 bank integration - Standard payment types (ACH, Wire, EFT) - Full audit trail on every transaction - Standard support [Send project details](https://www.systems-x.uy/contactus?intent=brief&hsLang=en#intent) Reply within 3 business days ### Custom Contact us Scoped to your operations — contact us to size - Multiple bank integrations - All payment types (ACH, Wire, EFT, SEPA, custom) - Custom business rules and data mappings - Priority + bank integration support [Send project details](https://www.systems-x.uy/contactus?intent=brief&hsLang=en#intent) Reply within 3 business days READY TO GET STARTED? ## Eliminate manual payment work, without the sales pitch Book a 30-min discovery call. Our team assesses your ERP-to-Bank flow and shares how B-Flow would fit — no obligation, no sales pitch. [Talk to a payments specialist](https://www.systems-x.uy/contactus?intent=book&label=payments_specialist&hsLang=en#intent) [Send us your context](https://www.systems-x.uy/contactus?intent=brief&hsLang=en#intent) [![logo-footer](https://www.systems-x.uy/hs-fs/hubfs/SX%20LOGOS/logo-footer.png?width=67&height=67&name=logo-footer.png "logo-footer")](https://www.systems-x.uy?hsLang=en) **Software Solutions By Design** Driving your competitive advantage 📍 Blvr. España 2253, Montevideo 11200, Uruguay ✉ [hello@systems-x.uy](mailto:hello@systems-x.uy) - - - - ##### Products - SXtractify - [B-Flow](https://www.systems-x.uy/b-flow0) - [X-Turf](https://www.systems-x.uy/x-turf0) ##### Services - [Business Intelligence](https://www.systems-x.uy/whatwedo) - [Artificial Intelligence](https://www.systems-x.uy/whatwedo) - [Solutions by design](https://www.systems-x.uy/whatwedo) ##### About us - [Why work with us](https://www.systems-x.uy/why-systems-x) - Insights - Careers © 2026 Systems X · All rights reserved. - Privacy Policy - Terms - Cookies Made in Uruguay ```json { "@context" : "https://schema.org", "@type" : "Organization", "address" : { "@type" : "PostalAddress", "addressCountry" : "UY", "addressLocality" : "Montevideo", "postalCode" : "11200", "streetAddress" : "Blvr. España 2253" }, "description" : "Software Solutions By Design — 25+ years turning software into measurable business results.", "email" : "hello@systems-x.uy", "foundingDate" : "2001", "logo" : "https://www.systems-x.uy/hubfs/SX%20LOGOS/Logo%20SystemsX%20Horizontal%20RGB-2.png", "name" : "Systems X", "sameAs" : [ "https://www.linkedin.com/company/systemsxuy" ], "url" : "https://www.systems-x.uy" } ``` ```json { "@context" : "https://schema.org", "@type" : "WebSite", "inLanguage" : [ "en-US", "es-UY" ], "name" : "Systems X", "publisher" : { "@type" : "Organization", "name" : "Systems X" }, "url" : "https://www.systems-x.uy" } ``` ```json { "@context" : "https://schema.org", "@type" : "Product", "brand" : { "@type" : "Brand", "name" : "Systems X" }, "category" : "ERP-to-Bank Payment Automation", "description" : "B-Flow automates enterprise ERP-to-Bank payments with full audit trail. ISO 20022, host-to-host, ACH, Wire, SEPA. By Systems X.", "image" : "https://www.systems-x.uy/hubfs/SX%20LOGOS/Logo%20SystemsX%20Horizontal%20RGB-2.png", "manufacturer" : { "@type" : "Organization", "name" : "Systems X", "url" : "https://www.systems-x.uy" }, "name" : "B-Flow", "url" : "https://www.systems-x.uy/b-flow" } ```