Global Bill Pay

Pay any bill, anywhere in the world

Light pays vendors locally, regionally, and globally across more than 80 countries, straight from the bank accounts you already hold. No third-party wallet to KYC into, no balance to top up. AI reads your invoices, approvals happen in Slack and Teams, and every payment lands back in the ledger reconciled.

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AI invoice extraction

Customisable AI-driven data extraction reads every bill — line items, taxes, terms — saving time and ensuring accuracy.

Approvals in Slack & Teams

Intuitive approvals route to the right people with full context, wherever they already work.

Fraud & error controls

Identify duplicates, perform 2-way matching, and route bills on advanced conditions — errors stop before they're paid.

A person reviewing a bill in Light on a laptop at a dark desk

A hand holding a phone with a bill approval from Light in Slack

Most bill pay platforms make you KYC into their wallet and park your cash there before you can pay anyone. Light pays from your own bank accounts. Your money never sits with a middleman.

No wallets. No top-ups. No new KYC.

Wallet-based providers put you through KYC for each payment destination, then ask you to pre-fund an e-money account they control, so cash idles in transit and disappears from your bank statements. Light connects to the banking setup you already have, so payments execute from your accounts and money only moves when a bill is actually paid.

	Light	Wallet-based bill pay
Pays from your own bank accounts	✓Payments execute directly from the accounts you already hold	✗Funds route through the provider's e-money wallet
Start paying without a new KYC process	✓Your bank has already verified your business	✗A separate KYC process for each payment destination
No pre-funding or wallet top-ups	✓Money leaves your account only when a payment executes	✗Transfer funds ahead of time and wait for them to clear
Cash stays visible on your bank statements	✓Every payment reconciles against your own bank feed	✗One opaque lump-sum top-up, itemised only inside the provider
Local payment rails worldwide	✓Your accounts unlock local rails in 80+ countries	✗Limited to the wallet's home country (typically the US), with wires for everything else
Keep your banking relationships and terms	✓Your banks, your rails, your negotiated FX	✗Locked into the provider's rails and FX margins

Treasury stays where it belongs: with your banks, under your control.

Plugs into the banking setup you already have

Connect the accounts your entities hold today. Light works with them, not around them.

Bank connections everywhere

Connect accounts across the US, Europe, and Asia via Plaid, GoCardless, and Stripe. Balances and transactions feed in automatically, and Light never stores your banking credentials.

Host-to-host for hands-off payment

Direct host-to-host connections with banks like HSBC, J.P. Morgan, Nordea, and SEB let Light schedule approved payments automatically, with no file exports or manual banking portal sessions.

Multi-entity by design

Each entity pays from its own bank accounts, with a default account per entity and currency. Payment batches never cross entity lines, so subsidiaries keep clean, local banking.

From inbox to reconciled

Drop a bill anywhere — email, Slack, upload — and Light handles the rest.

Local, regional, and global rails

Light empowers local, regional, and global bill payments across more than 80 countries. FIK/Giro in the Nordics, BACS and Faster Payments in the UK, SEPA across Europe, plus US, Indian, Australian, Japanese, Chinese, and Singapore payments, and international wires via SWIFT. FX is handled at the ledger level.

Light's bill payment screen: vendor, pay-to account, currency, and the invoice side by side

Automatic reconciliation

Payments match back against bills and bank feeds automatically, so AP aging, cash, and the GL always agree — no month-end payment hunts. Cross-currency payments book the amount your bank actually debited, with realised FX gains and losses posted for you.

An invoice with AI-extracted amount, tax code, and account, plus custom extraction rules

Batch approvals

Approved bills group into payment batches: pick the bills, set the payment date, and send the batch for one final approval before anything is released.