The UK government has confirmed Peppol as the framework behind mandatory B2B and B2G e-invoicing from April 2029. The decision settles how structured invoices will move between businesses. It also reshapes what an accounts payable network needs to do, well before the mandate takes effect.
A change of supplier bank details is the single most exploited moment in accounts payable fraud. Here are five red flags that a request is not genuine, and the simple checks UK finance teams should run before sending money to a new account.
Making Tax Digital and accounts payable are usually treated separately, but they depend on the same thing: clean, digital, well-structured records. Here is how MTD connects to AP, where the overlap with e-invoicing sits, and why getting supplier data right serves both.
UK e-invoicing is moving from consultation towards a mandate, and accounts payable teams that prepare early will treat it as an upgrade rather than a scramble. Here is a practical readiness guide: what is coming, what PEPPOL means in practice, and the steps to take now.
PSD3 and the EU Payment Services Regulation are reshaping payments in Europe, while the UK pursues its own reforms through the FCA and the Payment Systems Regulator. Here is what the changes mean for UK accounts payable, and why the acronyms are easy to confuse.
VRPs, Direct Debit and Bacs each move money differently, with different trade-offs on control, speed and cost. This is a plain comparison of the three payment rails for UK supplier payments, and a simple way to decide which to use for which kind of payment.
Confirmation of Payee checks whether the account you are about to pay belongs to the supplier you think it does. Here is what the check covers for UK business payments, where it helps most, and the fraud it cannot stop without a verification and monitoring layer behind it.
Variable Recurring Payments give UK businesses automated supplier payments under controls they set, on open banking rails rather than cards or Bacs. Here is what VRPs are, how they differ from Direct Debit, and why they matter for the future of accounts payable.
A sanitised walkthrough of a real AP fraud case. A mid-market firm, a long-standing supplier, a bank-detail switch, and a six-figure loss. Here are the four moments where the fraud could have been caught, what the network layer would have surfaced and when, and the lessons that translate to other businesses.
SME credit decisioning runs on a thin dataset: filed accounts, bureau data, transaction history where available. Payment behaviour from an AP network is one of the strongest forward indicators of distress and recovery, but it has not been available at scale until recently. Here is how lenders are starting to use it and what the consent and governance model looks like.
