Pay-In

Money that arrives knowing why.

Incoming funds matched to payer, reference, and invoice, so finance can identify, reconcile, and act on every receipt.

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Incoming paymentRECEIVED

AMOUNTEUR 86,400.00
PAYERNORDWERK GMBH
REFERENCEINV-2041
MATCHED TOCUSTOMER · INVOICE
NEXT ACTIONHOLD · CONVERT · PAY OUT
RECONCILED

The allocation flow

From arrival to allocation.

Payer pays your Local Business Account

Local details in GBP, CAD, EUR, USD, or AED. Your payer sends a domestic transfer on local rails, nothing international about it from their side.

Reference captured

Payer name, reference, invoice, and expected amount are matched as the funds land.

Funds identified

Attributed to the right customer, invoice, or commercial event, not left as an unexplained credit.

Allocation decision

Hold the balance, convert at your pre-agreed FX margin, allocate internally, or prepare a supplier payout.

✓

Record updated

References, payer context, allocation status, and evidence stay on file for reconciliation and follow-up.

Why it matters

Arrived is not the same as useful.

Finance needs to know who sent the funds, what they relate to, whether the amount matches, and what happens next. That is the difference between a credit and a reconciled receipt.

Identify the payer

Funds linked to payer name, purpose, reference, and expected activity.

Match the event

Connected to the customer, invoice, funding instruction, or treasury need.

Prepare the next action

Convert, hold, allocate, or prepare the payout, decided with context.

Support the records

Clean pay-in data means balances that can be explained later.

Where it gets messy

The receipts that ruin a month end.

The goal is not only to receive funds. It is to receive funds the business can identify, explain, reconcile, and use.

!Missing or unclear payer reference

!Payment sent from a different account name

!Amount arrives different from expected

!Intermediary deductions or routing charges

!Multiple customers paying into similar flows

!Finance cannot match funds to an invoice

!Funds arrive before the FX or payout instruction is clear

!Compliance review delays onward movement

Built-in invoice generator

The invoice carries your receiving details.

Add your counterparties once, then generate invoices inside Unicorn Currencies. Pick the currency, and the invoice carries the matching Local Business Account details, so your customer pays locally and the receipt arrives pre-matched to the invoice.

✓Counterparties stored with beneficiary and invoice context

✓Choose the currency, get the right local details on the invoice

✓Incoming funds reconcile against the invoice automatically

Set the context first.

The cleaner the expected-payment context, the faster funds become usable.

✓Expected payer name

✓Expected amount and currency

✓Payment reference

✓Invoice or commercial reason

✓Customer or supplier context

✓Purpose of payment

✓Onward action: hold, convert, allocate, or pay out

✓Supporting documents where required

Every receipt identified, explained, and usable.

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