Settle continues to improve how teams manage payments, vendor workflows, procurement operations, and platform security. This month’s updates focus on smarter payment scheduling, enhanced catalog management, improved vendor permissions, expanded payment visibility, and stronger team security controls -- along with key usability improvements and important performance fixes.

New features

Improvements

Bug fixes & performance updates

Problem: Users had to manually calculate when to initiate payments so funds would arrive exactly on the invoice due date.

Solution: Added an “Arrive by due date” toggle for all bill payments, including consolidated and batch payments.

What’s New:
✔ The previous “Schedule for due date” toggle is now “Arrive by due date,” with the due date displayed directly in the label
✔ Send dates are automatically calculated and locked based on payment method speed, holidays, business days, and cutoff times
✔ Consolidated payments now show calculated send dates and vendor ETA previews per payment group
✔ Conservative scheduling logic ensures vendors receive funds by the due date whenever possible
✔ Warning states appear when the due date has already passed for the selected payment method

Why it matters:
Eliminates manual due-date calculations, helps customers avoid vendor late fees, and preserves eligibility for early-payment discounts such as 2/10 Net 30 terms

Problem: Custom uploaded catalog images could not easily be reverted back to the original Shopify product photos.

Solution: Added a one-click “Restore from Shopify” flow for catalog items and variations.

What’s New:
✔ Restore action available from empty image states
✔ Restore icon available directly from uploaded image thumbnails
✔ Bulk “Restore image” action available from the floating action panel
✔ Supports both product-family and variation-level restoration

Why it matters:
Keeps Shopify as the source of truth for catalog images while simplifying image recovery and catalog cleanup workflows

Problem: Admins needed more visibility into MFA enrollment and stronger team-wide security controls.

Solution: Added MFA nudges, role-based enforcement settings, and enhanced team visibility.

What’s New:
✔ Added MFA status visibility within the Team tab
✔ Added role-based MFA enforcement settings
✔ Introduced a multi-step MFA setup flow
✔ Users can snooze MFA nudges for up to 2 weeks

Why it matters:
Improves organization-wide account security and gives admins more control over MFA adoption across teams

Problem: AP teams lacked visibility into important international payment details while selecting vendor accounts.

Solution: Currency and beneficiary information are now surfaced directly within vendor account selection rows.

What’s New:
✔ Currency badges (USD / EUR / CNY / etc.) now appear directly in account selection rows
✔ Beneficiary names are now visible for non-US accounts in both dropdowns and selected rows
✔ Account numbers, IBANs, and SWIFT codes now use monospaced formatting for improved readability

Why it matters:
Makes validating international payment destinations easier and reduces the risk of selecting incorrect payment accounts

Problem: Vendor records contain sensitive information like banking details, tax forms, and compliance documents, but permissions were previously bundled under Bills access.

Solution: Vendors now have their own dedicated permission controls separate from Bills permissions.

What’s New:
✔ New Vendors permission row in Settings → User Roles
✔ Two access levels: Full (view, add, edit) and View (read-only)
✔ Predefined roles updated with sensible defaults
✔ Existing custom roles automatically migrated based on Bills permissions
✔ Read-only vendor experience for View users with restricted editing and invite actions
✔ Vendor selection remains available on Bills and POs while restricted actions are gated
✔ Vendor Credit Memos remain manageable for View users

Why it matters:
Provides more granular control over vendor records while improving security and reducing accidental edits

Problem: The previous “Payer” role mixed AP management and payment execution responsibilities.

Solution: Introduced clearer role separation between AP management and payment execution.

What’s New:
✔ “Payer” role renamed to “AP Manager” with updated descriptions
✔ New streamlined “Payer” role focused only on payment execution
✔ Existing Payers automatically migrated to AP Manager

Why it matters:
Creates clearer separation of responsibilities and improves permission management for finance teams

Problem: Identifying items on a bill lacked visual cues, and editing bills already in review was restrictive.

Solution: Bill line items now display product thumbnails, and bills can now be edited during or after review.

Why it matters:
Makes bill verification faster and provides greater flexibility when correcting bills already in the review process

✔ Apparel businesses will now default new POs to the same view used on their most recent PO -- matrix view if the last PO used it, otherwise list view
✔ Regenerated invoice PDFs now automatically replace stale files
✔ Allowed optional CNAPS routing numbers for vendor accounts using non-CNY currencies
✔ Users with “View Bills” permissions can now view and manage Vendor Credits
✔ Search matches are now highlighted on the Vendors page for easier scanning
✔ The Edit Vendor drawer now displays a document counter on the Documents tab
✔ User logins are now counted as activity to prevent active businesses from being incorrectly flagged as dormant
✔ Warning emails for sending funds to unverified bank accounts now apply to standalone and PO-based payments
✔ Banners can now be dismissed indefinitely
✔ Sped up bill details loading by significantly reducing the number of database queries

✔ Fixed an issue where QBO report syncs could halt due to failed ranges or stuck purchase orders
✔ Removed vendor bank account requirements from paper-check payments to prevent unnecessary errors
✔ PO balances now automatically recalculate whenever additional expenses change
✔ Fixed an issue where the allocation amount returned the full payment total instead of the actual allocated amount on consolidated payments
✔ Fixed a crash when matching non-USD bills with linked purchase orders
✔ Fixed the “Pay To” field not properly switching from a vendor account to a paper check
✔ Fixed vendor details from OCR not correctly populating on the bill
✔ Fixed the DatePicker parsing 2-digit years as 0026 instead of 2026
✔ Fixed an issue where the “Pay To” “None” selection was overridden by the suggested account
✔ Fixed a bug where applying a vendor credit incorrectly required a bank account
✔ Fixed the bill-restore footer getting stuck on the archived state
✔ Fixed the Payments tab badge showing stale data after a standalone payment

These updates continue to make Settle a more secure, intuitive, and globally capable platform for managing payments, procurement, and vendor operations.

Your feedback helps shape what we build next -- keep it coming 💌

Until next time -- Happy Settling! 🚀✨