Abstract: Systems and methods for reporting invoice payments are disclosed. A financial institution computing system includes a data storage system, a network interface circuit enabling the financial institution computing system to exchange information over a network, an invoice circuit, an optimization circuit, and a transaction circuit. The invoice circuit receives invoice information from the network, which the optimization circuit uses to determine an optimized payment date and an optimized payment vehicle. The transaction circuit executes the optimized payment vehicle on the optimized payment date, and reports the invoice payment to at least one customer.