Overview
Upsonic enables financial institutions to review incoming corporate payment instructions, verify whether the individuals submitting the instruction are authorized to act on behalf of the company, and check whether the requested payment complies with the company’s authorization rules.
The Agent reads payment instructions received through email, PDF, or other channels, extracts the relevant transaction details, validates the signatories against the company’s signature authority structure, and presents the result to the operations team together with the reasons behind the decision.
Capabilities
Instruction Understanding:
Extracts sender, beneficiary, account details, transaction amount, currency, payment description, and other relevant information from incoming payment instructions.
Authority Verification:
Checks whether the individuals submitting the instruction are authorized to act on behalf of the company and whether individual or joint signature requirements are satisfied.
Payment Control:
Validates transaction limits, account permissions, signature combinations, and other authorization conditions applicable to the payment.
Exception Detection:
Flags cases such as missing signatures, exceeded limits, account mismatches, unauthorized individuals, or incomplete payment information before the transaction is approved.
Case Study
Traditional Workflow
In a traditional workflow, corporate payment instructions may arrive through email, PDF, or different communication channels.
Operations teams manually read each instruction and enter transaction details such as the sender account, beneficiary, amount, currency, and payment description into internal systems.
The team then separately checks whether the individuals who submitted the instruction are authorized to act on behalf of the company. This typically requires reviewing the company’s signature circular, identifying the relevant signature groups, checking individual or joint representation requirements, and comparing the transaction amount against applicable authorization limits.
Account permissions and other transaction-specific rules may also need to be reviewed before the payment can be processed.
As a result, the operations team must combine information from multiple documents and systems before deciding whether the payment instruction can be approved.
Workflow with Upsonic
With Upsonic, incoming payment instructions are automatically read and structured as soon as they enter the workflow.
The Agent extracts key transaction details, including:
- Sender
- Beneficiary
- Source account
- Beneficiary account
- Transaction amount
- Currency
- Payment description
- Individuals submitting the instruction
The Agent then checks the instruction against the company’s existing authorization structure.
It verifies whether the individuals are authorized, whether the required individual or joint signature conditions are met, whether the transaction amount is within the relevant limit, and whether the requested account can be used under the applicable authorization rules.
Transaction: Corporate payment instruction
Amount: TRY 3,200,000
Source Account: Company TRY Account
Signatories: Ahmet Yılmaz + Ayşe Demir
Required Authority: 1 Group A + 1 Group B joint signature
Transaction Limit: Up to TRY 5,000,000
Account Authorization: Valid
Result: READY FOR APPROVAL
If the Agent identifies an issue, it clearly explains the reason behind the exception.
Result: REVIEW REQUIRED
Detected Issues:
- Required Group B signature is missing
- Transaction amount exceeds the authorized limit
- Source account is not covered by the signatory’s authority
The Agent presents the payment information, authorization checks, detected exceptions, and supporting evidence to the operations team for final approval.
Impact
Upsonic reduces the manual effort required to read payment instructions, transfer transaction details into internal systems, and separately verify signatory authorities and payment limits.
By combining instruction understanding, authority verification, and payment controls within the same workflow, the Agent helps financial institutions standardize payment approval processes and identify authorization issues before execution.
Operations teams can focus on final approval and exceptional cases while maintaining visibility into the checks and reasoning behind each payment decision.