Global trends in accounts payable: what to watch in 2025

The push for automation in accounts payable is not slowing down, with AI changing the game for tasks like invoice management, fraud detection, and data extraction.

The ultimate goal? No human intervention. A truly autonomous AP process.

AI speeds up workflows and cuts down on mistakes, allowing finance teams to focus on more strategic work. We can expect AI-driven AP platforms to become even more popular, especially as companies look for ways to save costs and boost efficiency in a tough economic landscape. By 2025, as noted by WEX, over half of companies are expected to incorporate AI into their AP functions, a move driven by rising operational costs and the need for efficiency.

AI is helping finance teams focus on big-picture strategies, making a real difference in reducing burnout and improving retention. With 54% of finance professionals already using automation to drive innovation, companies that adopt these tools are setting themselves up to support their teams and keep their talent. On the other hand, businesses that resist change could face challenges, as 72% of finance workers are considering jobs outside the industry.

E-invoicing is becoming a global standard, particularly in regions with strict government mandates for digital invoicing. Countries in the EU, Latin America, and Asia are rolling out new compliance requirements that impact AP processes for 2025. As governments leverage e-invoicing for tax collection and fraud prevention. Here are some notable e-invoicing updates for various regions:

Businesses are looking for more versatile ePayment solutions that extend beyond individual payment types like virtual cards or fintech platforms. In 2025, we anticipate a significant shift toward holistic ePayment solutions that enable seamless management of all payment types—from ACH and wire transfers to checks and virtual cards—through a single platform. This comprehensive approach allows organizations to manage the entire invoice-to-payment process with increased visibility and control.

Flexibility across all payment methods not only streamlines payment processes but also boosts cash flow management, which is important for businesses aiming to stay strong in uncertain economic times. Holistic ePayment solutions are also on track to improve supplier relationships by providing faster and more secure payment options that fit both regional and international compliance needs.

As digital payments become more prevalent, so do the risks associated with fraud. The Medius Financial Census highlights significant concerns around digital fraud risks and operational challenges in AP, with nearly 56 percent of finance professionals noting increases in fraudulent activity.

Internal fraud remains a major risk in 2025. Organizations need tech-driven fraud detection and a culture that supports whistleblowers. With 81% of professionals hesitant to report fraud, building trust through clear policies and tools for transparency is essential.

Meanwhile, deepfake scams are becoming more sophisticated, prompting companies to rethink multi-level validation processes. With 87% of finance professionals likely to act on requests from credible sources, implementing multi-layered authentication is crucial to safeguard against AI-driven fraud.

To tackle these challenges, more businesses—especially those handling high transaction volumes—are turning to advanced fraud detection tools. Finance leaders see these tools as essential for protecting assets and maintaining strong supplier relationships. Advanced tech, like machine learning, is set to play a big role in boosting security and streamlining workflows across teams, helping businesses stay ahead of risks and build resilience.

Finance is transforming, with accounts payable leading the shift. What seemed impossible—like a fully virtual month-end close—was proven in 2020, and now finance leaders aim to leverage the cost savings, flexibility, and mobility of remote work.

For AP teams, this means adopting tools that encourage collaboration with departments like procurement and IT, enabling quick, informed decisions. The traditional AP office is becoming a virtual network, allowing teams to manage invoices, payments, and compliance from anywhere, boosting agility and resilience.

Additionally, AP integrates with ERP and other finance functions to streamline workflows. This cross-functional collaboration enhances transparency, reduces redundancy, and improves productivity across the board.