Your money comes in by itself, and your bank statement books itself.
Fetch transactions from all your banks automatically, collect invoices by direct debit, pay suppliers straight from the accounts payable list. Nothing forgotten, nothing retyped, no waiting for payments to come in.
The complete direct debit cycle, without paper and without the bank portal
From mandate to booked payment, everything runs in one system.
- Grant the mandateYour customer signs the SEPA mandate on screen in the customer portal, documented as a PDF. IBAN and BIC are checked against the bank directory at the same time.
- Issue the invoiceThe invoice and the invoice email automatically contain the collection amount, date and mandate reference, which is the required pre-notification.
- CollectThe direct debit centre shows all invoices ready for collection, preselected. Password, one pushTAN for the whole batch, done.
- Book automaticallyThe bank statement arrives via FinTS, the matching recognises the collection including any early payment discount and closes the invoice.
A direct line to your bank
Without opening the bank's website.
FinTS account retrieval
Sparkasse, Volksbank, TargoBank, DKB, Commerzbank, ING, Postbank and practically every German bank. The connection address is found from the bank sort code.
DetailsDaily retrieval
Approve once, retrieve automatically for up to 90 days (PSD2 exemption). When the approval expires, the system reminds you by email.
DetailsTransfers with payee verification
Pay suppliers from the accounts payable list, with name matching (Verification of Payee), early payment discount suggestion and automatic booking.
DetailsSEPA batch direct debit
Collect all due invoices in one run, with a collection date per customer. Weekends are skipped automatically.
DetailsAutomatic matching
Nine passes assign transactions: invoices, suppliers, loan instalments, utility prepayments and discounted payments, each with a supporting document.
DetailsView-only accounts
Retrieve private or reserve accounts too and keep an eye on them, without them ending up in your accounts.
DetailsIBAN and BIC check
Check digit and comparison with the bank directory on every entry. Transposed digits are spotted immediately.
DetailsDouble-secured
Every payment needs a payment password and a pushTAN in your banking app. The PIN is stored encrypted, hosting in Germany.
DetailsAccount detection
During setup the system shows all accounts under your bank login. You add missing ones with a tick, without a new approval.
DetailsIn detail
- Digital SEPA mandateSignature on screen or touchscreen, mandate PDF with timestamp and proof of origin, automatically stored in the document archive and the customer portal.
- Mandate managementThe customer can revoke the mandate in the portal at any time, and the documents are then marked as invalid. The system manages first and recurring direct debits (FRST/RCUR), and mandate references are never reused.
- Fast collection with discountYour customer chooses in the mandate: collection on the payment due date, or within 5 days with a 2% early payment discount. The reduced payment is automatically booked as a discount, even if you submit late.
- Pre-notification built inThe SEPA pre-notification appears on every invoice and in the invoice email, with a separate, customisable template for direct debit customers.
- Direct debit centre with filterBy default you only see invoices ready for collection (2 days before the date) with an active mandate and a completed pre-notification, preselected for ticking off.
- Plain language for bank errorsIf a submission fails, the system shows your bank's exact response instead of an error code.
- Pending transactionsTransactions that have not yet been booked are shown if the bank supplies them, separately from the accounts.
- CSV import as fallbackBank without FinTS? Upload the bank statement as a CSV. Duplicates of the FinTS retrieval are detected automatically.
Related
No more writing payment reminders
Try it free for 20 days with no contract commitment. We help you set up bank access and direct debit. In the winter special: all modules in one package at no extra charge. If you sign up now, you keep the benefit afterwards too.
0173 644 22 17