Have you paid an invoice abroad and see that the money went to ZTL Payment Solutions instead of the supplier? Or does the supplier say they cannot find the payment, or that a fee was deducted? Here is the explanation.
Why does “ZTL Payment Solutions” show as the recipient in the online bank?
If you have bank integration via ZTL, international payments go through ZTL’s currency solution. The amount is debited from your account and first goes to ZTL Payment Solutions. ZTL exchanges the amount and sends it on to the supplier in the currency you chose.
That is why you see the exchange rate as soon as the payment is sent.
So seeing ZTL Payment Solutions in the online bank does not mean the payment went wrong. In Catacloud you find the payment with the supplier you entered, under Bank → Payments.
What does the supplier see?
Who paid: Catacloud sends your company’s name and address with every international payment. The supplier should see your company as the payer.
The message: The text you enter in the Message field is sent with the payment. At some banks the supplier also sees, or sees instead, a reference that starts with ZTL.
Note: Some international payments sent between 19 August and 23 September 2026 showed “ZTL Payments” as the payer at the recipient. Payments sent after 23 September 2026 should show your company’s name.
How to help the supplier find the payment
Enter your company’s name and the invoice number in the Message field when you register the payment, for example “Example AS – invoice 12345”. The field is required on international payments. If you pay from a voucher, the field is called CID/Message.
Keep the text short. Long messages may be cut, and some special characters may be removed along the way.
If the supplier still cannot find the payment, send them the amount, currency, payment date and invoice number.
If that does not help, contact us. We can get a proof of payment from ZTL. The supplier can give it to their bank to trace the payment.
Important: Do not send the payment again before you know whether the first one has arrived. Otherwise you risk paying twice.
Why was a fee deducted from the supplier?
If the supplier receives slightly less than you sent, it is usually the supplier’s bank, or a bank along the way, that has charged a fee for receiving a payment from abroad. The fee is not charged by Catacloud.
In Catacloud you cannot choose who covers the fees on an international payment.
Ask the supplier to check with their bank what it costs to receive payments from abroad.
Agree with the supplier how the fee should be handled.
Tip: If it is important to you that the payment goes straight from your own bank, Aritma can be an alternative for that bank account. The bank’s rate and fees then apply. See ZTL or Aritma – which bank integration should you choose?.
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When should you contact us?
Contact us in the chat if the supplier cannot find the payment, or if the supplier sees ZTL as the payer on a payment sent after 23 September 2026. Please include:
client,
supplier,
amount and currency,
payment date,
what the supplier sees on their side, preferably with a screenshot.