MANAGING CASH FLOW WITH CFLOX variPAY

Daily supplier payments – monthly cash flow

With cflox varipay, you control when supplier payments are made and when your cash flow happens – completely independently. Streamline your outgoing cash into individually scheduled flows, while we handle your daily operational payments to suppliers. cflox varipay simplifies and improves payment processes and gives you full visibility and control over your cash flow and liquidity.

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cflox varipay

Company

Suppliers

cflox Partner Ecosystem

Step 1

Payment run

You send us a payment order set with payment orders that are or will become due for payment. You can choose between daily or weekly payment runs.

Step 2

Daily payouts

We always pay your suppliers on time. If you have discount agreements, you realize the discount.

Step 3

Cashflow harmonization

We do not debit your cash account at supplier payment. Instead, we bundle the paid out amounts during a designated period, e.g. for one month, into one cash flow.

Step 4

Bundled collection

At defined collection dates, we debit the bundled payment amounts from your cflox account. You have full visibility and control and set the date adapted to your needs.

Your advantages

Take control of your cash flow – on your terms

cflox dynamic pay was developed specifically for the requirements of CFOs, treasurers, and finance teams seeking full cash flow visibility, predictable liquidity, and simplified payment processes.

Separate operational supplier payments from effective cash flow. Take control to gain full flexibility. Optimize your forecasting and planning of cash flow and liquidity. All in one simplified process for operational improvement on your side without affecting your suppliers.

Our clients

You too can use cflox varipay to control your cash flow

Our track record of successfully established cflox programs with balance sheet effects according to local GAAP and IFRS.

Overview

The right solution for every role

Smarter payments and cash flow, designed for every department

cflox varipay delivers the right value for every team – whether strategic liquidity management for CFOs and Treasury or streamlined payment processes for Accounts Payable teams.

CFO & Treasury

Optimize working capital and manage balance sheet structure

Planning & Forecasting Cash Flow Control Liquidity Management

With cflox varipay you decide when to schedule supplier payments and when to schedule cash flow. A possible setup is weekly payment runs, daily payments and monthly cash flow settlements. This schedule can be customized to your operational and strategic needs and goals. By streamlining your cash flow into controlled due dates, you benefit from highly predictable cash flow and liquidity. Our solution simplifies cash flow planning, monitoring, and reporting – saving time for analysis and strategic decision-making. With flexible multi-funding options, you can align your cash management strategy with corporate goals and growth plans.

Accounts Payable

Streamline and simplify your payment processes

Streamlined AP Simplified Payments Supplier Relationships

With cflox varipay, Accounts Payable Teams benefit from fewer, more streamlined payment runs. For example, you can send payment order sets with different execution dates once a week. We ensure that payments to your suppliers are made on time. You can integrate any new or existing bank partner of your choice. We offer payment tracking, account reconciliation, and a comprehensive, personalized service.

Our financing partners

Strong partners for strong financing

We work with a network of selected corporate banking partners to enable long-term programs at attractive terms.

Use cases of cflox varipay

Make daily payments to your suppliers while streamlining your cash flow

With cflox varipay, you can manage your cash flow flexibly according to your needs: while payments are conducted to pay suppliers on time, you can structure, bundle, and schedule your cash flow to best serve your strategic goals.

Monthly Settlement

Would you like to shift your daily cash flow to one fixed day per month?

Daily Payment Runs Monthly Settlement

Your subsidiaries send payment orders to the cflox payment account – the process and frequency remain unchanged. cflox executes payments when they are due. A batch transfer is made from your account on the fifth business day of the following month.

Weekly Payment Runs, Monthly Settlement

Would you like to simplify your processes with weekly payment runs and a bundled monthly cash flow?

Weekly Payment Runs Monthly Settlement

Every Monday you send your payment order sets for that week. cflox executes payments when they are due. A batch transfer is made from your account on the fifth business day of the following month.

Bi-Weekly Settlement

Would you like to bundle your cash flow every two weeks?

Weekly Payment Runs Bi-Weekly Settlement

Every Monday you send your payment order sets for that week. cflox executes payments when they are due. cflox debits your account every other Wednesday. You will be notified two weeks in advance with the final amount.