Autonomous payables processing. Better outcomes.
AI Runs It, Experts Own It. Fully Compliant. APX takes AP Tech beyond automation to autonomous execution. We combine the AI-powered Green Channel with the deep operational expertise of MYND's own back office to process your payables end to end. Exceptions, compliance, and control, fully handled.
- 25years in F&A operations
- 1,000+clients, 50+ countries
- 20M+transactions a year
Payables is not one process.
Under the label of AP sit very different expense streams: vendors and suppliers, landlords and leases, prepayments, capital expenditure, service and legal spend, branch and petty cash. Digitising a fragmented process gives you a faster fragmented process.
What the category offers / and what it leaves you
The old model: A tool per stream
Each stream carries its own complexity, its own compliance burden, and its own stakeholders. Point tools cover one of them and leave the rest to your team.
The old model: Lift and shift
Some vendors say they bring a back office. Look closely and it's usually rented: someone else's people wearing their badge, running your process as-is, inefficiencies included.
The old model: 80% automation, 50% of the work
Straight-through processing works when everything is perfect. With others, the remainder lands back on your team.
The cost of doing business
Suppliers price your payment delays into your supply cost.
Because AP is fragmented, supplier payments get delayed, and suppliers build the cost of that extra credit period into what they charge you. You pay for your own payment delays, priced into everything you purchase. With APX the supplier sees everything and no invoice gets stuck, so the interest cushion comes out of your supply cost.
We are not an overhead, we are not a back end. We bring down cost in your P&L.
APX is AP Tech, built with the end state in mind.
Technology, intelligence, workflows, and operational expertise in one system. Built with the end state in mind means designed backwards from the outcome.
Not a faster invoice. A closed, compliant, financeable payable, whichever stream it entered through.
Every stream gets native treatment for the people who touch it, and everything resolves into one payable architecture. Where a category needs its own engine, a purpose-built MYNDX product runs it inside the same universe.
The case for APX, in eight arguments.
Each one carries its own critique of how the category works today. Follow any of them into the detail.
AI-powered AP Tech, built with the end state in mind.
Not a faster invoice. A closed, compliant, financeable payable, whichever stream it entered through.
Everyone lifts and shifts. We lift and transform.
They don't relocate your process. They transform it: around 30% typical cost reduction, 90%+ accuracy measured monthly, 95% client retention.
Others refer you to financing. We own the rails of Supply-Chain financing.
The MYND group is not integrated with a financing ecosystem. It is one. Approved in APX means financeable through the group.
Earn as you pay.
Dynamic discounting run as a programme, paid early from your own surplus cash. Your AP function stops being purely a cost centre.
Compliance at every step. Including your vendor compliance.
Checks run against live government data, not stale masters. Your books compliant, your vendor base compliant beneath them.
The AI-powered Green Channel: straight-through processing.
80%+ of routine volume is read, matched, validated and staged for payment with no human hand on it. Your team sees the exceptions, and only the exceptions.
Beyond 3-way, 5-way, 6-way: a 24-point gold-plated checklist.
Six-way matching checks documents against each other. The 24-point checklist checks the invoice against everything that matters.
Every payable, one ecosystem.
APX, MYNDLeaseX and MYNDSpendX, built by MYNDX. One partner, accountable across every category of payable.
The AI-powered Green Channel: straight-through processing.
An invoice in the Green Channel is read, matched, validated, and staged for payment with no human hand on it. Your team sees the exceptions, and only the exceptions.
At input
Template-less invoice reading. Send it a format no one configured and it reads it anyway, every field and every line item.
At process
Automated matching and validation against the 24-point checklist, with no person touching the invoice.
At payment
APX posts ready-to-pay invoices to your ERP, which executes the payment, the bank confirms, and the UTR is recorded back.
The exception lane
Fail any one of the 24 and the invoice routes to a MYND expert with the reason attached. Our people absorb it, not yours.
Others refer you to financing. We own the rails of Supply-Chain financing.
The MYND group is not integrated with a financing ecosystem. It is one, across all three lanes. And once payment flow is on time and transparent, banks can finance the supply chain far more efficiently, and rates stay competitive.
Domestic
M1xchange, the group's RBI-licensed TReDS exchange, where 80+ financiers bid competitively to finance approved invoices. Over ₹2,65,000 crore discounted to date.
International
M1 NXT, the group's IFSCA-regulated platform at GIFT City, bringing foreign-currency financing to cross-border trade through export and import factoring.
Internal
Your own surplus cash, deployed against approved invoices. A full programme in its own right, and no lender relationship to add on your side.
Earn as you pay.
Every approved invoice sitting idle until its due date is a discount you did not capture. You pay selected vendors early from your own surplus cash, they grant a discount that slides with time, and the return typically beats what treasury earns on that cash.
Your money, not a bank's. No lender, no facility, no security. Discounting lives or dies on approval speed, and an invoice that clears APX is captured, matched and compliant, which is exactly the state an invoice must be in to be financed. Approved in APX means financeable through the group.
The line items a CFO actually reads on a payables page.
Not productivity abstractions. Hard money, and the control to defend it.
Complete Invoice Capture
Nothing missed, nothing that surprises you at close. Miss a single critical invoice and a vendor can shut you down.
Zero Double Payments
Direct leakage, stopped. Duplicates get caught even when the invoice number changes but the substance does not.
Working Capital Protection
Payment timing under control. APX can answer when to pay, when paying early earns a discount, and when financing beats your own cash.
Cash Flow Visibility
Your payables position, in real time. The number a CFO checks first, on a live dashboard.
Earn As You Pay
Early payment from surplus cash earns sliding discounts that land on the bottom line. The payables ledger stops being purely a cost centre.
Guaranteed ROI
The guarantee is structural, not statistical. You pay for only what you process, and the returns are hard money: invoices captured, leakage stopped, working capital decided on live data, discount income out of your own payables.
Everyone lifts and shifts. We lift and transform.
Our back office is our own: in-house, not rented. Two decades of learning what a well-run payables operation looks like, applied to yours.
You choose how much of it you take. APX stands on its own as a product, or ships with our people behind it as the full P2P solution.
Start with the category that hurts most. Widen on evidence.
Click through the live product yourself, or bring your own payables flow to a working session. One partner, accountable across every category of payable.