How verified cash becomes financial action
Voldier™ turns a bank-confirmed payment into matched cash, workflow triggers, and operator control inside one financial operating layer. This is how it works.
The invoice-on-payment principle
Traditional AR invoices first, then chases the payment — and adjusts credit notes when the money never arrives. Voldier inverts the order: the customer receives a pre-invoice notice, the bank confirms the payment, and only then the fiscal invoice is issued.
Before
Invoice → chase → maybe paid → credit note if not
Invoice-on-payment
Notice → paid → invoice. No chase, no credit note.
Three steps from invoice to reconciled
Connect your bank
Start with a verified read-only bank connection for live transaction data. Setup stays simple and reconciliation stays automatic.
Security guarantee
- Verified read-only bank connection
- Automatic matching from verified bank activity
- No online banking username or password stored
Connect your accounting workflow
Connect your accounting workflow so open invoices are ready for matching. Voldier keeps the invoice ledger aligned so incoming payments can be applied automatically.
Compatible with
Payments reconcile automatically
Voldier reads verified payment activity in real time. It extracts the payer name, amount, date, and reference, then matches the payment to the correct open invoice. The invoice is marked paid and a receipt is sent to your customer automatically.
Extracted fields
- Payer name
- Amount
- Payment date
- Reference / memo
Automatic actions
- Invoice marked paid
- Receipt sent to customer
- Accounting sync updated
- Reminder sequence cancelled
What Voldier detects
Verified bank data is the source used to detect and reconcile payments automatically.
SEPA Instant Credit Transfer (SCT Inst)
10-second settlement instant payments via TIPS, matched to the right invoice as soon as the bank confirms receipt.
SEPA Direct Debit (SDD CORE / B2B)
Mandate-driven debits with settlement-date matching, including handling of unpaids and B2B 8-week refund rules.
SEPA Credit Transfer & TARGET2
Standard SCT and high-value TARGET2 transfers, including IBAN, BIC and end-to-end reference data when present.
Bizum (Spain)
Mobile P2P/B2C payments widely used by Spanish customers, matched alongside SEPA flows.
Voldier keeps payment detection tied to verified bank activity.
Who Voldier fits
B2B operators across the EU and EEA who manage a recurring receivables portfolio benefit from Voldier.
Property & building management
Recurring rent & service charges reconciled per unit via SEPA Direct Debit and SCT inflows.
Wholesale & distribution
Net-30/60 fiscal invoices matched to SCT/TARGET2 settlement as they hit your bank.
Business services
Law, accounting, engineering, consultancy — retainers and milestone billing reconciled to bank deposits with VAT awareness.
Subscription & recurring B2B
SaaS, MSPs, telecom resellers — recurring invoices matched to SEPA Instant/SDD inflows automatically.
Insurance brokers & intermediaries
Premium collection, broker commission and reconciliation of incoming SCT and SDD with policy ledgers.
Any B2B AR portfolio
If you invoice more than 50 customers a month, Voldier eliminates manual matching and chase work.
The technology
A purpose-built pipeline that turns verified bank activity into clean, matched invoice records.
Signal extraction
Voldier extracts the structured fields needed to reconcile incoming payment activity accurately.
Fuzzy invoice matching
Matching uses amount, payer name, date, and reference field together. Fuzzy name matching handles minor spelling variations between payer and customer records.
Configurable reminders
Automated reminder sequences run before and after the due date. Define the cadence per customer segment. Sequences stop automatically when payment is detected.
Configurable escalation sequences
Define multi-stage reminder sequences per customer tier or invoice age. Example: 3 days before due — friendly reminder. Due date — payment due notice. 3 days after — follow-up. 7 days after — escalate to manager. 14 days after — flag for manual review. All configurable, all automatic.
Privacy and security
Voldier is classified under NACE Rev. 2 codes 62.01 / 63.11 (Computer programming and Data processing). We are not a credit institution under CRD IV, not a Payment Institution under PSD2, and not a payment processor. We never transmit, hold, or facilitate the movement of funds.
Read-only bank connection
Bank connections are read-only. Voldier never initiates transfers or stores online banking passwords.
Email bodies discarded after parsing
Raw email content is discarded immediately after extraction. Only structured metadata is retained.
No password sharing
Businesses connect securely and keep online banking usernames and passwords out of Voldier.
TLS in transit · AES-256 at rest
All data transmitted and stored is encrypted end-to-end. GDPR Art. 32 technical and organisational measures.
Frequently asked questions
How it works
Does Voldier access my bank account?
Voldier uses a verified read-only bank connection. We never store online banking usernames or passwords, and we never move funds.
What if a payment doesn't have an email notification?
Voldier flags the invoice for manual review. Alternatively, the customer can forward their payment receipt to your designated inbox — Voldier will parse the forwarded email and reconcile automatically.
What if I do not want to connect my bank?
Reconciliation runs from secure verified bank data, so teams do not need to manage manual files or email-based flows.
Can I use this with any accounting software?
Yes. Any accounting platform that can export a CSV or SEPA XML (ISO 20022) file is compatible. API integrations with most EU accounting platforms are also available.
Does it send payment reminders automatically?
Yes. Configurable reminder sequences run automatically: 3 days before the due date, on the due date, and at 3, 7, and 14 days after. Sequences stop automatically as soon as Voldier detects the payment. Cadences are fully customizable per customer segment.
Is my email data safe?
Raw email bodies are discarded immediately after parsing. The only data retained is: sender name, amount, date, and payment reference. All stored data is encrypted at rest with AES-256, and all connections use TLS. Voldier does not sell or share your data.
Plans, pricing & accounting integration
Does Voldier replace my accounting system?
Not immediately — it complements it. Voldier syncs confirmed payments back to your accounting system automatically. Over time, as you manage AR, AP, and cash flow inside Voldier, you'll open the accounting system mainly for fiscal close, VAT returns, and your accountant. That's the intended path.
What does Voldier cost?
Voldier starts free. Core bundles are Growth €49/mo, Business €99/mo, Enterprise €349/mo, and Plus €459/mo (exclusive of VAT). Every bundle uses capped capacity, with expansion packs added only where needed. See full pricing →
What are skills and how do bundles work?
Bundles cover the operating core. Expansion packs and selected finance skills let you add more bank checks, campaigns, contracts, intelligence, and control without pretending anything is unlimited.
What is Cash Flow Forecasting?
Voldier tracks how each customer actually pays — not just when invoices are due. If a client always pays 10 days late, Voldier shows your real expected cash for next week, not the nominal amount from invoice dates. Generic accounting systems cannot do this because they do not read your bank feed in real time.
I'm an accountant managing multiple clients. Do I get a discount?
Yes. The Voldier Accountant Partner Programme lets you buy wholesale credits (20-35% off) and activate plans for your clients. You keep the margin. Learn more →
Can I cancel or change my plan anytime?
Yes. No long-term contracts. Upgrade, downgrade, or cancel at any time from your account settings. If you cancel, you keep access until the end of your billing period.
Compliance & Security
Is Voldier a debt-collection agency?
No. Voldier is financial operations software built on verified bank data; it is not a debt-collection agency under the Irish Consumer Credit Act 1995 or equivalent EU member-state regimes. It does not own the debt and does not contact debtors on its own behalf. All payment reminders are sent from the business's own domain and phone number. Voldier is classified under NACE Rev. 2 codes 62.01 / 63.11.
Does Voldier require my bank password?
No. Voldier never stores online banking credentials. Bank data is read through licensed PSD2 Account Information Service Providers, with Strong Customer Authentication performed by your bank.
What payment types does Voldier match against open invoices?
Voldier matches incoming SEPA Credit Transfers (SCT), SEPA Instant Credit Transfers (SCT Inst), SEPA Direct Debits (SDD CORE and SDD B2B), TARGET2 high-value transfers, and Bizum (Spain) against your open invoices, using verified bank data from a regulated open banking partner.
Does Voldier integrate with my accounting system?
Yes. API integrations with most EU accounting platforms are included starting with the Business bundle. CSV and SEPA XML (ISO 20022) workflows are always available.
Who is Voldier for?
Voldier is built for EU small and midsize businesses receiving SEPA payments, property managers reconciling SDD rent, distributors matching SCT transfers to purchase orders, and accounting teams that want incoming payments auto-applied to invoices.
Ready to stop reconciling manually?
Connect your bank securely, import your invoices, and let Voldier handle the matching.