Business payments
Move company money with the full picture.
Lenz connects every payment to the beneficiary, purpose, invoice, company policy, cash impact, approval, and final banking state.
Payment · NGN operating
Prepared · Nothing sentEkene Logistics Ltd
₦2,450,000.00
Invoice EKL-0341 · September haulage
- Beneficiary
- Verified · 14 prior payments
- Duplicate check
- No matching payment found
- Policy
- Above ₦2M — CFO approval required
- Cash impact
- Operating stays above reserve through Friday
Start with intent
Start with who, why, and when.
The payment flow begins with the business purpose. Lenz then gathers the banking details and checks what must be true before submission.
- 01
Choose or resolve beneficiary
- 02
Add amount and purpose
- 03
Match invoice where available
- 04
Watchdog checks duplicates and a changed destination
- 05
Evaluate company policy
- 06
Show required approval
- 07
Submit through the available banking path
- 08
Track final state
Batch payments
Turn a payout sheet into a reviewable payment batch.
Upload a spreadsheet, review the extracted rows, resolve incomplete records, and submit valid payments through the same approval controls as an individual payment. Extraction never removes the need for review.
Watchdog
A payout that looks wrong does not leave.
Before submission, Watchdog looks for a beneficiary account that changed and for a second live payment of the same amount within 14 days. Either one holds that payee until a named person dismisses the alert or creates a rule. Ask Lenz can explain the hold. It cannot clear it.
Approvals
Policy travels with the payment.
Amount thresholds, new-beneficiary rules, requester and approver separation, supporting documents, and a full decision timeline—visible at the moment of decision, immutable afterwards.
Financial state
Submitted is not settled.
Draft
Being prepared. Nothing has left the company.
Awaiting approval
Policy requires a named person to decide.
Submitted
Handed to the banking rail. Not yet money moved.
Processing
The rail is working. Still not settled.
Settled
The beneficiary has the money. This is the only success state.
Returned
The rail sent it back. Lenz explains why and what to fix.
Failed
It did not go through. Nothing was deducted, or it will be reversed.
Reversed
A correction posted as a new event—history is never rewritten.
Lenz sends naira payments. USD accounts and USDC are available. Dirham is coming.
Make the next payment with more context and less uncertainty.
Open a free workspace and experience a clearer way to understand, manage, and move company money.
It costs nothing to try. Banking activation is subject to company verification and partner approval.