Sub-function
Payment Interlock
Owns payment run work end to end inside Procurement & Source-to-Pay. Runs 3 lines across 16 stations, drains the repeatable share into the S2P tower, and holds 4 human gates.
Estate rating
A
77 / 100
Payment selection and discount optimization are automated, but money leaving the company always has dual human approval. The agent proposes; two people release.
Agents
8
Lines
3
Units / wk
7,782
Timetable vs actual
12.0h → 12.5h
Cost / unit
$12
was $39
Run-rate saving
$10.9M
annualized at this volume
The 8 agents running this sub-function
Grouped by what they are for, not by where they sit. The agent org is process-shaped.
Payment Interlock Orchestrator
Owns the payment interlock lane end to end. Sequences the other agents, holds the timetable, and decides what surfaces to a human.
ceiling A3 · escalates to Escalates to Director, Payment Operations when the unit falls outside the decision envelope or confidence drops below the floor.
Payment Proposal Agent
Runs the repeatable portion of payment interlock inside the shared transaction spine at spine cost and spine controls.
ceiling A3 · escalates to Escalates to Director, Payment Operations when the unit falls outside the decision envelope or confidence drops below the floor.
Discount Capture Agent
Executes the payment interlock step it owns, posts its evidence, and hands the unit to the next stage.
ceiling A3 · escalates to Escalates to Director, Payment Operations when the unit falls outside the decision envelope or confidence drops below the floor.
Payment Term Agent
Executes the payment interlock step it owns, posts its evidence, and hands the unit to the next stage.
ceiling A3 · escalates to Escalates to Director, Payment Operations when the unit falls outside the decision envelope or confidence drops below the floor.
Payment Run Agent
Executes the payment interlock step it owns, posts its evidence, and hands the unit to the next stage.
ceiling A3 · escalates to Escalates to Director, Payment Operations when the unit falls outside the decision envelope or confidence drops below the floor.
Fraud Screen Agent
Holds the rules that bind every other agent in payment interlock. Versions them, tests them against live decisions, and blocks work that breaches them.
ceiling A3 · escalates to Escalates on any decision that would breach a live policy version, with the clause cited.
Payment Policy Agent
Holds the rules that bind every other agent in payment interlock. Versions them, tests them against live decisions, and blocks work that breaches them.
ceiling A3 · escalates to Escalates on any decision that would breach a live policy version, with the clause cited.
Payment Interlock Challenger Agent
Adversarial reviewer for payment interlock. Argues the opposite case on every position and flags where the evidence does not carry the claim.
ceiling A3 · escalates to Escalates when a ratified position is still running against a break condition it flagged.
Estate rating breakdown
Seven control dimensions. Judgment readiness runs against autonomy on purpose.
People
What the humans stopped doing, and what they do now.
Redeployed into scenario work and strategy authoring review.
Lines running in this sub-function
Each line is a workflow. Click a line to walk it station by station.
Strategy positions this sub-function holds
An agent that only executes is a robot. These are the calls it made, the argument against each one, and what would prove it wrong.
Payment Interlock Operating Position
Ratifiedv4Is the current cost per payment run defensible against external comparators once inference spend is counted in full?
Hold the ceiling at A3 for payment interlock. Payment selection and discount optimization are automated, but money leaving the company always has dual human approval. The agent proposes; two people release. Raise it only after two consecutive quarters where the override rate stays under five percent and every override has a written cause.
confidence
74%
The challenge — Payment Interlock Challenger Agent
Payment Interlock Challenger Agent argues the recommendation leans on 3 quarters of data from a period with no volume shock. The confidence band overlaps the alternative, and the position does not say what it would take to be wrong. Recorded as a dissent, not a block.
Break conditions
- ·Override rate rises above 10 percent for two consecutive months
- ·Cost per payment run stops falling while volume keeps rising
- ·A control failure in this lane reaches a customer or a regulator
Evidence gaps
- ·No external comparator on a like-for-like unit definition
- ·Exception cases under $47k are sampled, not fully measured
| Alternative considered | Cost | Risk | Verdict |
|---|---|---|---|
| Hold the current position | $466k run rate | Known and priced. Cedes ground if comparators move faster. | not selected |
| Raise the ceiling one level now | $1574k to build controls | Override rate is 8 percent; raising the ceiling before that settles imports the error into production. | rejected on evidence |
| Move the exception tail to the spine | $712k transition | Loses local context. Rework risk on the cases that are hardest to recover. | selected |
Ratified 9 months ago. Measured since: cost per payment run fell 11 percent against a forecast of 22 percent.
Policy register
The rules the agents above are bound by. Version, owner, approver, and the agents each rule constrains.
| Ref | Rule | Scope | Owner agent | Approved by | Version | Status |
|---|---|---|---|---|---|---|
| PR10-POL-200 | Payment Interlock Decision Envelope Agents in this lane may act without a human when the payment run sits inside the stated value, risk and confidence envelope. Outside it, the unit holds at a gate with a named approver and a running clock. binds 4 agents · EU · UK · US | envelope | Fraud Screen Agent | Director, Payment Operations | v5.3 | under review |
| PR10-POL-201 | Payment Interlock Evidence Standard Every autonomous decision writes inputs, the rule version applied, the model and prompt version, the output and a reversal path. An action with no evidence record is treated as a control failure, not a fast decision. binds 4 agents · Global · EU | evidence | Fraud Screen Agent | Director, Payment Operations | v5.6 | Active |
| PR10-POL-202 | Payment Interlock Escalation Rule Escalation is mandatory when confidence falls below the floor, when two options sit inside the confidence band, or when a break condition on a ratified position fires. Director, Payment Operations owns the response clock. binds 4 agents · LATAM · US | escalation | Fraud Screen Agent | Director, Payment Operations | v5.2 | Active |
| PR10-POL-203 | Payment Interlock Autonomy Ceiling The ceiling for this lane is 78 on the platform scale. Payment selection and discount optimization are automated, but money leaving the company always has dual human approval. The agent proposes; two people release. The ceiling is a governance decision, not a technical limit, and only Director, Payment Operations can propose moving it. binds 4 agents · LATAM · US | ceiling | Fraud Screen Agent | Director, Payment Operations | v4.9 | Active |