8.3 minper invoice
is the average time to manually capture an incoming invoice — scanning, typing, categorizing, filing.
Source: Billentis E-Invoicing Report 2023
Accounting on autopilot
Scan the invoice.AIRIS handles the rest.
DivineFinance is the financial automation for SMEs. OCR for incoming invoices, XRechnung 3.0.2 for dispatch, automatic payment reconciliation, DATEV export, and dunning — all in one module. Issued invoices are locked, and every change is recorded in the log.
- DATEVExport for tax consultants
- 5PDFs in parallel
- EN 16931XRechnung compliant
For companies worldwide. No credit card required for the request.
DivineFinance — Incoming invoice OCR
AI
Rechnung_RE-2026-04-184.pdf
PDF · 248 KB · just received
OCR · XRechnung · DATEV · SEPA847 invoices this month
What manual accounting really costs you
Invoices are the least automated tool in SMB daily life. The numbers speak for themselves:
82%of all invoices
are still booked manually in German SMBs. The automation potential is huge, but rarely tapped.
Source: Bitkom Digital Office Index 2024
How it works
From PDF to DATEV export — in 6 steps, fully automated
Kindly forward or upload the invoice via email once. All other processes operate in the background. Your intervention is only required for approvals and transfers.
- 01
Invoice lands in the system
PDF via email forwarding, drag & drop, scan app or bulk upload (up to 5 files at once). E-invoices in XRechnung format too.
- 02
AIRIS reads every field
Gemini extracts the supplier, number, date, amounts, VAT, IBAN, and purpose of payment. For each field, you can see the confidence level of the recognition.
- 03
Supplier gets matched
Fuzzy match against existing suppliers. New ones are created automatically with IBAN, VAT number, payment terms. Duplicate check included.
- 04
Approval workflow (optional)
Above a configured threshold (e.g. €500), multi-level approval kicks in with an audit log. Email notification goes to the approver.
- 05
Payment via SEPA
Due invoices are consolidated into a SEPA pain.001.001.03 XML file. Simply upload it to your banking application – and you are done. Discount reminders are included.
- 06
DATEV export to your tax advisor
Automatic account assignment (revenue account, tax account), debtor/creditor assignment. Issued documents are locked — you can generate the export for tax consultants as a file with a button.
Features in DivineFinance
Fifteen core features. Clear, verifiable, no buzzwords.
AI OCR for incoming invoices
Gemini 2.5 Flash reads supplier, number, date, amounts, VAT, IBAN from PDF or photo. Bulk upload up to 5 files.
Automatic payment reconciliation
Upload MT940, CAMT.053, PDF or CSV. AIRIS matches payments to invoices by reference, amount or name.
XRechnung 3.0.2
EN 16931-compliant. Mandatory for B2G contracts since 2025. In-house validation.
DATEV export
Tax-advisor ready in 2 seconds. Account mapping, VAT split, debtors/creditors auto-assigned.
SEPA payments
pain.001.001.03 XML with one click. Multiple invoices bundled, IBAN validation automatic.
Automated dunning
Multi-level, with custom templates for each dunning level, automatically after the specified number of days.
Early-payment discount tracker
Auto-reminder before the discount window closes. Analytics: how much we saved, how much we missed.
Cash-flow forecast
14/30/90-day projection from historical payment patterns. Working capital without spreadsheets.
Approval workflow
Threshold-based (e.g. from €500). Multi-level approval with audit trail for compliance.
Locked Documents & Log
Issued invoices are locked; every change is recorded as a new version in the log.
Recurring invoices
Monthly, quarterly or yearly — invoices generate themselves, dispatch automatic.
Quotes & order confirmations
Public links for customer signature, auto-follow-up process quote → order → invoice in one click.
Supplier scoring
Auto-rating: punctuality, accuracy, price stability. Anomaly detection for price jumps or duplicates.
Credit notes in 2 clicks
Derive a credit note directly from an existing invoice. Automatic correction booking, email dispatch included.
Delivery notes
Derived from order confirmation, with email delivery confirmation, status tracking (in transit / received).
Compliance
Four Standards Familiar to Your Tax Advisor
No fiddling with formats. DivineFinance speaks the language of German and European accounting compliance.
XRechnung 3.0.2
EN 16931B2G mandatory in Germany since 2025. Built-in validation against the European standard.
Locked after dispatch, with log
GoBDAll bookings are locked. Changes are only possible as new versions. Complete audit log per invoice, credit note and dunning letter.
DATEV export
DATEVWith a single click, all entries are available in DATEV format. Your tax advisor receives complete account assignments, VAT keys, and debtor/creditor information.
SEPA payments
pain.001Due invoices are consolidated into a pain.001.001.03 XML file. This includes IBAN validation, name sanitization, and upload to your banking application – and you are done.
More standards (ZUGFeRD 2.1, qualified signatures via PDF-AS) on the 2026 roadmap. Multi-currency and PSD2 live banking connections in evaluation.
Three scenarios. Three real time savings.
How accounting runs in companies using DivineFinance.
Tuesday morning, 7:45 am
37 invoices by email — all captured before the office opens
Suppliers send 37 PDF invoices overnight to your rechnungen@firma.at address. AIRIS processes each invoice, identifying the supplier, amount, tax rate, and IBAN. Of these, 29 invoices are from known suppliers and are booked directly. The remaining 8 are new; the supplier is created and awaits your one-click confirmation. By 09:00, your invoice inbox will be clear.
~5 Std.
saved per week
End of month
Upload the bank statement — payments match themselves
You upload the bank statement PDF into DivineFinance. AIRIS then compares each transaction against open invoices, checking the reference number, amount, and company name. This results in a 94% auto-match with 99% confidence, while the remaining 6% with lower certainty are placed in a review list. Five minutes later, all invoices are accurately marked as paid, with discounts duly accounted for.
94%
auto-match rate
Active for three months
Your Dunning Processes Operate Autonomously
You have set a 3-stage rule: After 14 days, a reminder; after 28 days, dunning notice 1; after 42 days, dunning notice 2 with a €5 fee. If automatic dunning is enabled, the system checks daily. Templates with payment widget, discount recalculation, locked versions with log. You only see the payments — no longer the dunning notices.
3×
fewer payment defaults
Standards Your Accounting Department Understands
All formats and workflows SMBs in D-A-CH need, integrated.
Supported standards
XRechnung 3.0.2
EN 16931-1:2017
SEPA pain.001
001.001.03 Credit Transfer
MT940
ISO 20022 Text
CAMT.053
ISO 20022 XML
DATEV
Standard-Export
GoBD
Gesperrte Belege + Protokoll
UStG / UStDV
Automatische USt-Trennung
Inside the DivineMind ecosystem
DivineMind CRM
Invoices automatically tied to the right contact. Payment history per debtor on the timeline.
DivineMail
Email attachments with invoices are imported directly via OCR. Send quotes and invoices by mail.
DivineCall
AIRIS calls delinquent debtors, asks about payment status, documents it automatically on the CRM timeline.
Quote → order → invoice
One click: the accepted quote becomes order confirmation, delivery note, invoice. Everything linked.
Bank statements
Upload PDF, CSV, MT940, CAMT.053. The AI matches payments against open invoices with a confidence score.
SEPA payroll
Due invoices are consolidated into a SEPA pain.001 XML file, ready for upload to your online banking system.
Supplier master data
Central database with IBAN, VAT ID, payment terms, scoring. Anomaly detection for duplicates or price jumps.
Cash-flow analytics
Aging report, DSO, top customers, top suppliers, 14/30/90-day forecast.
Standalone OCR — four plans
Just need the incoming-invoice OCR? Here is the fast start. All plans include AI scans, matching and duplicate checks.
DivineFinance in full: already included in the main suite
Starting with the Growth Plan (749 €/User/Monat), you receive DivineFinance with its complete suite of features: OCR, XRechnung, DATEV, SEPA, Dunning, Cash Flow, Approval Workflow, and all 11 sub-modules. The standalone OCR plans listed below are intended solely for users who specifically require that individual tool.
Compare all DivineMind.AI plans →Starter
For sole traders
49€/ month
excl. VAT
50OCR scans / month
- AI OCR for incoming invoices
- Supplier auto-matching
- PDF, JPG, PNG — up to 5 files in parallel
- Duplicate check
Professional
For small teams
99€/ month
excl. VAT
200OCR scans / month
- AI OCR for incoming invoices
- Supplier auto-matching
- PDF, JPG, PNG — up to 5 files in parallel
- Duplicate check
- Early-payment discount reminder
- Anomaly detection
Most popular
Business
For SMBs with accounting
249€/ month
excl. VAT
500OCR scans / month
- AI OCR for incoming invoices
- Supplier auto-matching
- PDF, JPG, PNG — up to 5 files in parallel
- Duplicate check
- Early-payment discount reminder
- Anomaly detection
- Approval workflow with audit log
- Supplier scoring
- Priority support
Enterprise
For large teams
499€/ month
excl. VAT
∞OCR scans unlimited
- AI OCR for incoming invoices
- Supplier auto-matching
- PDF, JPG, PNG — up to 5 files in parallel
- Duplicate check
- Early-payment discount reminder
- Anomaly detection
- Approval workflow with audit log
- Supplier scoring
- Dedicated account manager
- SLA on request
All prices per company per month, excl. VAT. Cancel monthly. Annual plan: 2 months free.
Frequently asked questions
The ten questions CFOs and accountants ask us most often.
DivineFinance is the financial automation module of DivineMind.AI. It automates the complete processing of incoming invoices via AI-OCR, generates XRechnung 3.0.2 for dispatch, automatically matches payments against open invoices, manages dunning, credit notes, offers, delivery notes, and creates the export for tax consultants as a DATEV file.
As standalone OCR for incoming invoices there are four plans: Starter (€49/month, 50 OCR scans), Professional (€99/month, 200 scans), Business (€249/month, 500 scans) and Enterprise (€499/month, unlimited). The full suite (XRechnung, DATEV, SEPA, dunning, etc.) is included from the Growth plan onward (€749 per user per month).
The OCR uses Google Gemini and reads invoices as PDF, scan, or photo. It extracts: supplier, invoice number, date, net amount, tax rate, total amount, IBAN, and purpose of use. For poor image quality, the system indicates the recognition confidence for each field — you review and confirm before booking.
Outgoing: XRechnung 3.0.2 per EN 16931-1:2017. Incoming: XRechnung, classic PDF, photo (JPG/PNG), up to 5 files in parallel. Validation against the European standard is built in. ZUGFeRD 2.1 (embedded XML in PDF) is on the 2026 roadmap.
Yes. The DATEV export generates all entries complete with account assignments (revenue account, tax account), VAT separation, and debtor/creditor allocation. Your tax advisor will receive a file in the standard DATEV format, requiring no further post-processing. Export functionality for Lexoffice, QuickBooks, and Xero is currently on our roadmap.
You upload the bank statement (in PDF, CSV, MT940, or CAMT.053 format). AIRIS then performs a three-stage comparison of each transaction against open invoices: 1. Exact amount + reference number in the payment description (99% confidence). 2. Exact amount + company name match (90% confidence). 3. Amount with a ±0.01 € tolerance for rounding discrepancies (50-70% confidence). Transactions with high confidence are automatically marked as paid, while those with lower confidence are flagged for review.
Every invoice, credit note, and dunning notice is versioned and locked after dispatch — no longer editable. Every change is documented as a new version in the log.
Yes. You configure thresholds (e.g., 14, 28, 42 days) and dunning levels with individual email templates. If you enable automatic dunning, the system checks all open invoices daily and sends the appropriate dunning level. Dunning fees per level are freely configurable. Sent dunning notices are locked and archived.
Partially. DivineFinance generates a SEPA file (pain.001.001.03) with all due invoices, checks the IBANs, and cleans up names (special characters, length limitations). You upload this file to your online banking — the payment is executed by your bank. Additionally, bank accounts can be connected via Ponto (PSD2) or EBICS: account transactions are then automatically imported and reconciled against open invoices.
Partly. The standalone OCR plan (€49–499) only uses the OCR part for incoming invoices. The full suite with dunning, XRechnung, cash-flow forecast, DATEV and all 11 modules is exclusive to the main package from €749/user/month — because these features are deeply woven into CRM, Mail and Analytics.
Productive in 10 minutes
Today marks the last time you will manually type an invoice.
Kindly forward your rechnungen@-address to DivineFinance. Your first OCR recognition will commence today. Setup can be completed in just 10 minutes.
For companies worldwide. Cancel monthly. Interface in 6 languages — more to come.