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 finance automation for SMBs. OCR for incoming invoices, XRechnung 3.0.2 for outgoing, automated payment reconciliation, DATEV export and dunning — all in one module, GoBD-compliant.
- ~97%OCR confidence
- 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
€2,400per dunning stage
is the average cost of a 3-stage dunning process when outsourced — including legal fees and lost time.
3×the same invoice
SMBs pay on average each year because duplicate checks are missing. That alone costs four figures per company.
How it works
From PDF to DATEV export — in 6 steps, fully automated
Forward the invoice by email once or upload it. Everything else runs in the background. You only step in 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 2.5 Flash extracts supplier, number, date, amounts, VAT, IBAN, payment reference. Average confidence: 97%.
- 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 bundled into a SEPA pain.001.001.03 XML. Upload to your banking app — done. Early-payment discount reminder included.
- 06
DATEV export to your tax advisor
Automatic chart-of-accounts mapping (revenue account, tax account), debtor/creditor assignment. GoBD-compliant, audit-proof — tax advisor export in 2 seconds.
Features in DivineFinance
Fifteen core features. Clear, verifiable, no buzzwords.
AI OCR with 97% confidence
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, PEPPOL BIS 3.0. 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-stage, template-based, cron-triggered after defined days. 75% payment rate after the first reminder.
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.
GoBD compliance
All bookings are locked audit-proof. Audit log for every change. Ready for tax inspections.
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 your tax advisor already knows
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. PEPPOL BIS 3.0 profile integrated. Built-in validation against the European standard.
Audit-proof per GoBD
GoBDAll bookings are locked. Changes are only possible as new versions. Complete audit log per invoice, credit note and dunning letter.
DATEV export
DATEVOne click, all bookings in DATEV format. Your tax advisor gets account mapping, VAT keys and debtors/creditors delivered ready.
SEPA payments
pain.001Due invoices bundled into one pain.001.001.03 XML. IBAN validation, name sanitization, upload to your banking app — done.
More standards (ZUGFeRD 2.1, qualified signatures via PDF-AS, PEPPOL Access Point) 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
Overnight, suppliers sent 37 PDF invoices to your invoices@company.at address. AIRIS reads every one, recognizes supplier, amount, tax rate, IBAN. 29 of them have known suppliers — booked directly. 8 are new — the supplier gets created and waits for your 1-click confirmation. By 9:00 am your invoice inbox is empty.
~5 Std.
saved per week
End of month
Upload the bank statement — payments match themselves
You drag the bank statement PDF into DivineFinance. AIRIS compares every booking against open invoices: reference number, amount, company name. 94% auto-match at 99% confidence, the 6% unclear ones land in a review list. Five minutes later, every invoice is correctly marked as paid, discounts accounted for.
94%
auto-match rate
Active for three months
Your dunning runs without you lifting a finger
You set a 3-stage rule: reminder after 14 days, dunning level 1 after 28 days, dunning level 2 with €5 fee after 42 days. The cron job checks daily, automatically. Templates with payment widget, discount recalculation, GoBD-compliant locked versions. You only see payments — no more dunning letters.
3×
fewer payment defaults
Standards your accounting speaks
All formats and workflows SMBs in D-A-CH need, integrated.
Supported standards
XRechnung 3.0.2
EN 16931-1:2017
PEPPOL BIS 3.0
urn:fdc:peppol.eu:2017
SEPA pain.001
001.001.03 Credit Transfer
MT940
ISO 20022 Text
CAMT.053
ISO 20022 XML
DATEV
Standard-Export
GoBD
Revisionssicher + Audit-Log
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 bundled into a SEPA pain.001 XML. Upload to your online banking.
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
From the Growth plan (€549/user/month) you get DivineFinance fully loaded: OCR, XRechnung, DATEV, SEPA, dunning, cash-flow, approval workflow and all 11 sub-modules. The standalone OCR plans below are only for users who specifically need the single 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 finance automation module of DivineMind.AI. It automates the complete incoming-invoice process via AI OCR, generates XRechnung 3.0.2 for outgoing invoices, auto-matches payments against open invoices, manages dunning, credit notes, quotes, delivery notes and exports audit-proof to DATEV.
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 (€549 per user per month).
The OCR uses Google Gemini 2.5 Flash and hits an average confidence of 97% on typical SMB invoices (PDF, scan, photo). Extracted: supplier, invoice number, date, net, tax rate, total, IBAN, payment reference. On poor quality inputs, the system shows the confidence score per field.
Outgoing: XRechnung 3.0.2 per EN 16931-1:2017 with PEPPOL BIS 3.0 profile. 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 bookings with account mapping (revenue account, tax account), VAT split and debtor/creditor assignment. Your tax advisor gets a file in the DATEV standard format — no rework needed. Export to Lexoffice, QuickBooks, Xero is on the roadmap.
You upload the bank statement (PDF, CSV, MT940 or CAMT.053). AIRIS compares every booking in three stages against open invoices: 1. Exact amount + reference number in the payment reference (99% confidence). 2. Exact amount + company name match (90%). 3. Amount with ±€0.01 tolerance for rounding (50–70%). High confidence gets auto-marked as paid, low confidence goes into the review queue.
Yes. Every invoice, credit note and dunning letter is versioned and locked after dispatch — no longer editable. Every change is documented as a new version in the audit log. The system follows the GoBD principles of the German tax authority and is tax-inspection ready.
Yes. You configure thresholds (e.g. 14, 28, 42 days) and dunning stages with individual email templates. A daily cron job checks all open invoices and automatically sends the matching dunning stage. Dunning fees per stage are freely configurable. All dunning letters are locked and archived GoBD-compliant.
Partly. DivineFinance generates a SEPA pain.001.001.03 XML file with all due invoices, validates IBANs and handles the correct name sanitization (umlauts, length limits). You upload this XML to your banking app — execution runs through your bank. A live PSD2 connection is planned for 2026.
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 €549/user/month — because these features are deeply woven into CRM, Mail and Analytics.