FinFlow AI
Autonomous Accounts Payable
FinFlow AI reads every invoice that arrives, pulls out the line items, matches them against the PO and the goods receipt, checks the tax treatment, and posts a finished entry to your ERP. The invoices that don't add up are the only ones a person ever sees.
Invoice inbox
1,204 processed today · 9% exceptions
Captured
1,204
Auto-matched
1,096
Exceptions
108
90%
Touchless processing target
3×
Faster invoice cycle time
99%+
Field-level extraction accuracy
5-way
Match incl. IRN and GSTR-2B
The problem
AP is still mostly typing. Invoices get keyed by hand, approvals get chased over email, early-payment discounts expire in somebody's inbox, and the one invoice nobody checked costs more than all of it put together.
Most AP tools digitised the paperwork and left the work. FinFlow AI is built the other way round: an agent that reads, reasons, and acts on each invoice — capture, extract, match, validate, approve, post — and escalates to a human only when the numbers genuinely disagree. Roughly four in five US organisations were hit by attempted or actual payments fraud last year, and the most common attack is still a fake invoice or a quietly changed vendor bank account.
Capabilities
What FinFlow AI does
Smart capture
Invoices arrive by email, supplier portal, EDI, scan, or API. FinFlow picks them all up and splits batched PDFs, so nobody has to forward anything.
Template-free extraction
No per-vendor templates to build or maintain. The agent reads headers, line items, taxes, and totals off a layout it has never seen before.
2-way and 3-way matching
Invoice against PO against goods receipt, inside your tolerance bands. Price and quantity variances get explained, not just flagged.
AI GL coding
Learns how your team codes each vendor, cost centre, and expense type, then proposes the entry with its reasoning attached so a reviewer can agree in one click.
Duplicate and fraud checks
Fingerprints every invoice against history to catch resubmissions, and holds any payment where a vendor's bank details changed until someone verifies it out of band.
Policy-driven approvals
Routing by amount, entity, cost centre, and delegate. Reminders chase the approver instead of your AP clerk.
GST, TDS and e-invoicing
For India: GSTIN validation, IRN verification against the IRP, GSTR-2B reconciliation before the payment run, TDS section mapping, and reverse-charge self-invoicing. For the US: W-9 collection and 1099 reporting.
Straight to your ERP
Posts the approved entry into SAP, NetSuite, Dynamics, Tally, or Zoho Books with the document, the match result, and every decision attached to the journal.
How it works
One autonomous pipeline, end to end
Every stage runs automatically, with human oversight wherever you want it.
Capture
Email, portal, EDI, scan, or API. FinFlow watches the channels your suppliers already use, splits batched PDFs, and logs an audit entry the moment a document lands.
Extract
Header and line-level fields are read straight off the document, with no template and no per-vendor setup. Every value points back to where it was read from, so nothing is invented.
Match
Invoice against PO against goods receipt, inside your tolerance bands. For Indian entities the same step checks IRN validity and whether the invoice has actually landed in GSTR-2B.
Validate
Duplicates, price variances, unknown vendors, changed bank details, and tax mismatches get held with the reason attached. Everything clean keeps moving.
Approve
Routed by amount, entity, and cost centre, with delegation and automatic reminders. Above the threshold you set, a human always signs.
Post
The entry lands in the ERP with the invoice, the match evidence, the coding rationale, and the approver's name attached to it.
Built for
Who gets the most out of it
Finance & operations teams · mid-market to enterprise
AP and shared-services leads
Your team stops keying and starts handling only what is genuinely wrong. Invoice volume can grow without another headcount.
Controllers
Accruals stop being a spreadsheet exercise. Month-end closes on data that was validated when the invoice arrived, not the week after.
CFOs
Cost per invoice, cycle time, discount capture, and DPO, measured the way the industry benchmarks measure them, without asking anyone to pull a report.
ERP and IT owners
Nothing gets ripped out. Read from the ERP, write back to the ERP, with a documented API and a services team that has done the integration before.
Built to be fair, explainable, and safe
Software you trust with real operations has to earn it. Here's how FinFlow AI does.
Segregation of duties stays intact
The agent recommends; your roles decide. Requester, approver, and payer stay separate people, so your SOX walkthrough looks the way your auditor expects it to.
A human signs above your threshold
You set the amount, the vendor risk, and the exception types that require sign-off. Nothing crosses that line on its own.
Grounded, not generated
Every extracted value points back to a place on the source document. The agent will not invent a number it could not read.
Auditable end to end
Every read, match, code, override, and approval is timestamped and attributed. Export the trail for any invoice or any period.
Works with your stack
Two-way integration. No rip-and-replace.
FAQ
Good questions
Does FinFlow replace our ERP?
No. It sits in front of it. Your ERP stays the system of record; FinFlow does the reading, matching, and checking, then posts a finished entry into it.
What actually happens to the invoices it can't handle?
They stop. An invoice that fails matching, duplicates an earlier one, comes from an unknown vendor, or fails a tax check is held with the reason attached and routed to the right person. We would rather hold ten good invoices than release one bad one.
Is 90% touchless realistic for us?
It depends almost entirely on your invoice mix. PO-backed invoices from repeat suppliers automate very well; one-off non-PO spend does not. Published touchless benchmarks vary wildly for exactly this reason, so in a short assessment we run a sample of your real invoices and give you the number for your mix rather than the number from our homepage.
How does it handle GST, e-invoicing, and TDS in India?
GSTIN is validated, the IRN is verified against the Invoice Registration Portal rather than trusted as printed, and the invoice is reconciled to GSTR-2B before it enters a payment run, so you are not paying a supplier whose invoice never filed and losing the input tax credit. TDS section is proposed per line (194C, 194I, 194J, 194Q), and reverse-charge self-invoicing is a first-class flow rather than a workaround.
Can the AI make a mistake that costs us money?
It can be wrong, which is exactly why it never releases a payment by itself. Approval thresholds, segregation of duties, duplicate detection, and the bank-detail-change hold are all designed on the assumption that the model will occasionally be wrong.
Does it pay suppliers, or just post entries?
Post-only by default: FinFlow prepares the entry and the payment instruction, and your ERP or bank executes it. Running the payment rail itself is a separate conversation with its own controls, because it carries a different kind of risk.
Which ERPs does it connect to?
SAP, NetSuite, Dynamics 365, Sage Intacct, QuickBooks, and Xero, plus Tally and Zoho Books for Indian entities. Anything else goes through the REST API, and our services team has been building ERP integrations for years, so an unusual system is not a blocker.
Do you train models on our invoices?
No. Your documents and the data extracted from them stay in your tenant and are not used to train models shared with anyone else.
When can we get it?
FinFlow AI is in build and we are taking a small number of design partners now. The first thing we do is run a month of your real invoices through the agent so you can see the numbers before committing to anything.
See FinFlow AI in action
Book a 30-minute walkthrough on your own use case.