> ## Documentation Index
> Fetch the complete documentation index at: https://docs.softbooq.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Outbound Payments

> Pay vendor bills in batches via Wise or Revolut, using your own API keys

Outbound Payments lets you pay your vendor bills directly from Softbooq using your existing Wise Business or Revolut Business account. It is a BYOK (bring your own key) integration: Softbooq never holds funds, only orchestrates batch payments through your own provider account using API credentials you provide.

## What you can do

* Run **Payment Runs**: select multiple unpaid vendor bills, group by currency, push as a single bulk transfer
* Pay individual vendor bills inline from Finance → Vendor Bills
* Reconcile outbound payments against the Bank Feeds integration so the same transaction never gets matched twice

<Note>
  Wise and Revolut Business are the two providers currently supported. Both are BYOK: you generate the API keys in your provider account and paste them into Softbooq. Softbooq never sees your provider login.
</Note>

***

## Connect Wise

<Steps>
  <Step title="Generate an API token in Wise">
    Sign in to Wise Business → Account Settings → API Tokens → New Token. Set the permissions to **Full Access** (required for sending money). Copy the token, it is shown only once.
  </Step>

  <Step title="Open Settings → Integrations → Payments → Wise → Connect in Softbooq" />

  <Step title="Paste the token">
    The token is stored encrypted in the Vault. It is never displayed in the UI again.
  </Step>

  <Step title="Pick the default profile">
    If your Wise account has multiple business profiles, choose the default one for payment runs. You can override per run.
  </Step>

  <Step title="Pick the default funding account">
    Pick the multi-currency balance to draw from. Softbooq uses this as the source for all outbound transfers unless you override at run time.
  </Step>
</Steps>

***

## Connect Revolut

<Steps>
  <Step title="Create an API client in Revolut Business">
    Sign in to Revolut Business → Settings → APIs → Create New Client. Select OAuth 2.0 client credentials. Copy the Client ID, Client Secret, and download the certificate.
  </Step>

  <Step title="Open Settings → Integrations → Payments → Revolut → Connect" />

  <Step title="Paste credentials">
    Paste the Client ID, Client Secret, and the certificate's contents. Click Test Connection.
  </Step>

  <Step title="Approve the connection in Revolut Business">
    Revolut requires a one-time approval from an account admin. Sign in to Revolut Business and approve the new app under Settings → APIs → Approvals.
  </Step>
</Steps>

***

## Run a Payment Run

<Steps>
  <Step title="Open Procurement → Payment Runs → New Run" />

  <Step title="Select the bills to pay">
    Filter by due date, supplier, or currency. Tick the bills to include. The total per currency is shown at the top.
  </Step>

  <Step title="Pick the funding source">
    Choose Wise or Revolut, the profile (Wise) or business account (Revolut), and the currency balance to draw from. If you have several balances, the run can split across them.
  </Step>

  <Step title="Review and confirm">
    The summary screen shows each bill, the supplier's bank details (read from the supplier record), the FX rate where applicable, and the total. Approve.
  </Step>

  <Step title="Execute">
    Softbooq creates a batch transfer in Wise or Revolut. The provider may require a final approval step in their app for high-value batches. Once approved, the transfer is queued and the bills are marked as Paid in Softbooq.
  </Step>
</Steps>

***

## Reconciliation

When the bank transactions for an executed payment run come back through Bank Feeds, the Auto-Reconciliation Engine matches them to the run with HIGH confidence (the reference is preserved end-to-end). No manual matching is needed unless the provider modifies the reference.

***

## Disconnect

<Steps>
  <Step title="Open Settings → Integrations → Payments → Wise/Revolut → Disconnect" />

  <Step title="Confirm">
    The API credentials are wiped from the Vault. Sync stops; in-flight payment runs are not affected.
  </Step>

  <Step title="Revoke at the provider (recommended)">
    Go to Wise → API Tokens or Revolut → API Clients and revoke the credentials there as well.
  </Step>
</Steps>

***

## Troubleshooting

<AccordionGroup>
  <Accordion title="A payment run failed at execution">
    Common causes: insufficient balance in the chosen funding account, supplier bank details malformed (IBAN check digits wrong, missing BIC for non-EU), or 2FA approval was required at Wise/Revolut and the prompt expired. Check the run's Activity tab for the exact provider error.
  </Accordion>

  <Accordion title="The supplier's bank details are not on the run">
    Open the supplier record in Procurement → Suppliers and add bank details. Without them the supplier is excluded from runs by default.
  </Accordion>

  <Accordion title="Revolut returns 401 Unauthorised">
    The Revolut OAuth token expires every 40 minutes; Softbooq refreshes it automatically using the long-lived refresh token. If the refresh token has been revoked (e.g. an admin removed the API client), you'll see 401. Reconnect to generate a new client.
  </Accordion>

  <Accordion title="A payment was sent but Softbooq still shows the bill as Unpaid">
    The webhook from Wise/Revolut may have failed delivery. Click **Refresh status** on the payment run, or wait for the next 4-hourly status sync. If still stuck, check Bank Feeds; the actual bank transaction will eventually arrive and reconcile.
  </Accordion>
</AccordionGroup>

***

## See also

<CardGroup cols={3}>
  <Card title="Procurement" icon="cart-shopping" href="/erp/procurement">
    Where vendor bills come from and where Payment Runs are launched.
  </Card>

  <Card title="Bank Feeds" icon="building-columns" href="/integrations/bank-feeds">
    Live confirmation that the outbound payment cleared.
  </Card>

  <Card title="Reconciliation Workbench" icon="check-double" href="/erp/reports">
    For reviewing matches between payment runs and bank transactions.
  </Card>
</CardGroup>