Every bill captured. Every payment on your terms.
Stop forwarding PDFs. The agent reads incoming bills, codes them, gets the right approval, and schedules payment to your cash plan. You approve; it does everything else.
Orbit Cloud
Infrastructure · matched to PO-118 · due 18 Sep
$6,400ScheduledHarlow Freight
Logistics · net 30 · due 19 Sep
$4,150ScheduledKestrel Legal
Professional fees · above your $5,000 threshold
$8,500Needs approvalVale Office Supply
Office · due 20 Sep
$890ScheduledSable Contractors
Possible duplicate of bill #2231 · held
$3,960Held
Releases Friday after your approval · cash headroom $61k
Accounts payable is the job nobody has time to do well.
The Payables Agent takes every incoming bill from inbox to ledger to scheduled payment. It captures the invoice, matches it to a purchase order or a known vendor, routes it for approval, and schedules payment on the terms you set — never a day earlier than it should, never a day later than it must.
Bills arrive everywhere
Email, WhatsApp, vendor portals, a photo from the warehouse. Half get coded late, some get coded twice, and a few never get coded at all.
Approval is a group chat
'Is this okay to pay?' bounces between the owner, the ops lead, and the bookkeeper. Nobody knows what has been approved and what has merely been seen.
Paying early costs cash, paying late costs vendors
Without a schedule tied to your cash position, payables are either a drain on runway or a source of awkward calls from suppliers.
The whole job, not a feature of it.
Everything the Payables Agent handles day to day. Anything material waits for your approval; everything else simply gets done.
- 01
Invoice capture from any channel
Reads bills from a shared inbox, Google Drive, or forwarded messages. Extracts vendor, amount, due date, line items, and tax.
- 02
Coding and matching
Codes to the right account and class from your history, and matches to purchase orders or prior bills from the same vendor.
- 03
Approval routing
Sends each bill to the person who should approve it, with context, and chases the approver — not you.
- 04
Payment scheduling
Proposes a pay date that respects terms, early-payment discounts, and the cash forecast. Batches runs for your review.
- 05
Duplicate and anomaly checks
Flags duplicate invoices, changed bank details, and amounts that break a vendor's pattern before anything is scheduled.
- 06
Vendor communication
Replies to 'when will this be paid?' with the truth, from your mailbox, without you.
Connect once. Set the rules. Approve the exceptions.
The agent works inside the systems you already run and never becomes the system of record. Here is the sequence from day one.
- 01
Point the inbox at the agent
Forward or connect the address bills arrive at. The agent reads and structures every invoice it sees.
- 02
Confirm coding rules
It proposes account and class codes from your history. You correct the first few; it keeps the corrections.
- 03
Approvals route themselves
Each bill goes to the right approver with the context attached. Thresholds decide who sees what.
- 04
You release the payment run
A proposed batch, sized to the cash plan, waits for one approval. Nothing is paid until you say so.
- 05
Ledger and vendor stay in sync
Bills post, payments reconcile, and vendors get told when they will be paid.
What it will never do. What always waits for you.
Thresholds make the routine automatic and the rest deliberate. These limits are not settings you might forget to enable; they are how the agent is built.
Never initiates a payment. It prepares and schedules; a human releases every run.
Never pays to bank details that changed without a verified confirmation from the vendor.
Never codes a bill to a new account without flagging it as new.
Never approves on anyone's behalf, including when an approver is slow.
Never deletes or merges a bill. Duplicates are flagged, not removed.
Waits for your sign-off
- 01Every payment run, in full
- 02Any bill above the per-vendor or global threshold
- 03New vendors and changed bank details
- 04Early payment for a discount
- 05Any bill the agent could not match or code with confidence
Each approval arrives with the reasoning attached and is logged whether you approve or decline.
The brain is yours. Not ours.
The Payables Agent captures the judgment that usually lives in one person's head and writes it down in plain language. You can read it, correct it, and export it at any time.
- N01
Which vendors invoice on the 1st and expect payment by the 15th, and which quietly accept net-45.
Yours to export - N02
Who approves what: the ops lead signs off logistics, the founder signs off anything over the threshold.
Yours to export - N03
Which vendors offer a discount for paying early and when it is actually worth taking.
Yours to export - N04
The recurring bills that should never be questioned and the one-offs that always should.
Yours to export - N05
How each vendor likes to be told a payment is scheduled — and which ones will call if you don't.
Yours to export
The systems you already keep.
Read and write through the same APIs your accountant uses. Statuses reflect what is connected today, not what is planned to be.
- QuickBooks OnlineLive
- XeroIn progress
- NetSuitePlanned
- Zoho BooksPlanned
- GmailLive
- OutlookIn progress
- Google DriveIn progress
- SlackIn progress
- BrexPlanned
- RampPlanned
- MercuryPlanned
- RazorpayPlanned
What a good quarter looks like.
Targets we size with you after seeing your actual numbers. They are not customer results, and we will tell you plainly if your book is not a fit.
Bills coded within
24 hours
Target from arrival to ledger, any channel.
Duplicate payments
0
Every duplicate flagged before scheduling.
Time to release a run
~5 min
One reviewed batch instead of a week of one-offs.
Before you book a call about Settle.
Payables Agent
Bills captured, routed, and paid on your terms.
Tell us about your accounts payable and we will size the agent on your actual numbers, then tell you plainly whether it is a fit.