The invoice closes itself
the moment the money lands.
Send a payment request. When your bank confirms the money, the invoice is issued — already paid. You choose per customer: issue after payment, or let a normal invoice settle itself the moment the bank confirms.
Pre-launch. Early access open for Spain and the rest of the EU.
The mechanism
What actually triggers the invoice?
Not collections software. Not accounting. Not banking. Send a payment request. Your bank confirms the money. The invoice follows — already paid, or already settled.
You choose per customer: the invoice is issued after payment, or a normal invoice settles itself the moment the bank confirms.
For 20 years, financial software for SMBs was split into separate boxes: accounting on one side, collections on another, banking on a third. Each with its own version of "your money", none speaking to the others in real time. Your accountant is the human bridge who reconciles everything at 9 AM on Monday - after the decision you needed to make on Friday is gone.
Voldier inverts that order. Nothing gets recorded until the money has actually moved. You send a payment request - one amount, one reference. Your bank confirms the money: that confirmation is the only trigger. It issues the invoice already paid, or settles the one that was waiting. Either way, there is nothing to age, chase, discount or write off, because every entry is backed by a settled bank transaction instead of a promise. On top of that mechanism runs an optional AI layer that watches every account daily and proposes the next move - turn it off and the mechanism still works.
The cash trinity
This only works with all three. One connection is not enough: three realities of your money live in three separate systems, and only together do they tell you where you actually stand.
The money you have
Your bank account, live. Not the version your accounting app copied 6 hours ago - the actual balance, right now.
The money you're about to pay
Monday payroll, rent, suppliers. Lives in your ERP and payroll system. We read it, we don't move it.
The money already on its way
Payments the bank already confirmed, each with its settlement date. Instalments in flight. Not a forecast - money that already moved.
The trick is uniting the three. When the system knows what you have, what you owe, and what is already on its way - at the same time - you don't need to guess anymore. The critical moment becomes visible before it hits.
Everyone else builds that third number by forecasting from your ledger. We read the money. And when the moment comes, the button is already there: invoice, collect, adjust. Without opening 5 apps. Without calling your accountant.
Invoice-on-Payment™ workflow
The fiscal invoice is only issued after the bank confirms the payment - eliminating manual reconciliation, credit notes, and tax adjustments.
Match-on-Bank™
The event the invoice-on-payment workflow stands on. Every incoming payment is validated against your own bank and matched to the invoice that funded it - automatically, with exceptions surfaced in seconds.
< 3s
Per reconciliation
7,000+
Supported bank connections
0
Credentials shared
We eat our own dog food. Our invoice-on-payment workflow verifies our payment webhooks the same way it verifies your customers’ bank deposits.
How it works
Three steps from bank connection to reconciled invoice.
Authorize through regulated partners
You authorize access through licensed financial partners. Credentials never leave them; we never see or store them.
Match-on-Bank™ resolves every deposit
Each confirmed deposit is resolved to the invoice that funded it - automatically. Exceptions surface in seconds for human review.
Your accounting system stays current
Agent-on-Sync™ closes the loop with your accounting system - no manual entry, no copy-paste, no end-of-month cleanup.
Supports the payment rails you already use
Compare
They automate the chase. We remove it.
Europe's most-used tools split the problem in two: Agicap forecasts the cash you might collect, Chaser chases the invoices you haven't. Voldier removes the unpaid invoice entirely. Nothing to chase. Nothing to forecast around.
Agicap
On request
per module / yr
Forecasts the receivable · never removes it
Chaser
£199–£1,199
per month
Chasing only · you still reconcile every payment yourself
Voldier
€59–€369
flat, per company
Invoices born paid · your money never touches us
Works with the accounting system you already use.
API integrations with Sage, Xero, Holded and A3, plus most other EU accounting platforms. Whether your books live in the cloud or behind your firewall, Agent-on-Sync™ keeps them current with what is happening at the bank - without you re-keying, exporting CSVs, or migrating.
Ready to let the money move first?
Early access for Spain and EU teams. Secure verified setup and bank-confirmed workflows included.
Join the early accessVoldier is financial operations software, not a debt collector. Security & compliance →