In a major development for the Nordic fintech ecosystem, ZTL has announced a strategic partnership with Nordflow. This marks a significant step forward in embedding modern payment capabilities such as Invoice Payments directly into enterprise software workflows.
Under the collaboration, ZTL’s API-based payment initiation technology will be fully integrated into Nordflow’s invoice approval processes. This means payments can now be initiated during the approval step, not only after invoices are approved. As a result, financial operations are streamlined, and overall efficiency is enhanced. Naturally, Invoice Payments become a core part of this new integration.
Redefining Payments Inside ERP Systems
Traditionally, businesses have relied on external tools, manual file uploads, or disconnected third-party solutions to process supplier payments after approval. The new partnership aims to eliminate these inefficiencies by embedding payment initiation into the core workflow itself. With ZTL’s API-driven approach, Invoice Payments are processed securely and seamlessly within Nordflow’s interface. As a result, there is a more intuitive experience for corporate finance teams.
By shifting payment triggers earlier — a concept often described as “shift left” — organizations can reduce operational friction, lower processing costs, and significantly cut down on errors. These errors often arise from manual handoffs.
Benefits for Businesses
According to the announcement, the partnership brings multiple advantages to Nordic businesses, including Invoice Payments handled with greater efficiency:
- Native PSD2 integration: Direct API connections to banks replace manual workarounds.
- Enhanced security: Payments are authorized using secure digital identity verification methods based on users’ bank credentials.
- Lower operational costs: More efficient processes could dramatically reduce payment fees, making international and domestic transfers more affordable.
The collaboration reflects a shared vision to modernize how payments are managed within enterprise systems. It redefines what efficient invoice handling and Invoice Payments can look like in the Nordics.
Looking Ahead
Both ZTL and Nordflow express strong optimism about the impact of their joint initiative. With embedded finance becoming a key competitive differentiator — especially for ERPs and financial automation software — this partnership positions both companies at the forefront of payment innovation in the region. It also includes new approaches to Invoice Payments.
As businesses seek more seamless, secure, and automated ways to handle financial processes, deep integrations like this one may set a new standard for financial technology across Europe. Ultimately, Invoice Payments will likely become even more streamlined as these integrations evolve.