# Voldier™ > Voldier™ sends a payment request (a proforma invoice) for B2B SMBs in the UK and the EU. Your customer pays it the way they already pay you, and when your bank confirms the money that confirmation is the only trigger. You choose per customer what happens next: the invoice is issued already paid, or a normal invoice that was waiting gets settled. It unites three sources that normally live in separate systems into one operational truth: live bank balances (**the money you have**), ERP payables and payroll (**the money you owe**), and bank-confirmed incoming cash with settlement dates (**the money you are going to have**). The third figure is the one that makes it different: every other tool projects it from the ledger, Voldier reads it from the bank through PSD2-licensed AISP access. ## What is Money-First Finance? Money-First Finance is the name of the underlying category: nothing is recorded until the money has actually moved. In practice it works through a **payment request** (also called a proforma invoice): the customer pays it the way they already pay, the bank confirms the money, and that confirmation is the only trigger. From there the business picks, per customer, which of two things happens — the invoice is issued already paid, or a normal invoice that was waiting gets settled. - **The money you have** — the live bank balance, read through PSD2-licensed AISPs, not the copy your accounting app synced hours ago. - **The money you owe** — payables and payroll timing, read from the ERP. Voldier reads it; it does not move it. - **The money you are going to have** — payments the bank already confirmed, each with its settlement date, plus instalment plans in flight. Distinct from accounting software (records what already happened), from AR automation (chases an invoice that was already issued), and from cash-flow forecasting tools such as Agicap (projects the future from ledger entries). The accounting system remains the system of record. The bank remains the source of truth for money. Voldier is the layer that unites the three and puts the action in the same place. ## How Invoice-On-Payment™ works Invoice-On-Payment™ is the billing mechanism: it inverts the traditional accounts-receivable order. - Traditional: issue the invoice → chase the payment → clean up with credit notes when it is not paid - Invoice-On-Payment™: **payment request** (a proforma with its own number, amount and due date, which never touches the ledger) → the bank confirms the payment → **one of two outcomes, chosen per customer**: the fiscal invoice is issued already paid, with its journal entry, or a normal invoice that was waiting for that same confirmation gets settled The two-modes choice is what widens who this fits: a business that collects up front and one that bills on terms both run on the same bank confirmation. For the mode that issues after payment, the result is that no receivable is created, so there is nothing to age, chase, discount or write off; no credit-note cleanup for bad debt; and no tax liability on money that never arrived. Note for the UK: this is not "payment on invoice" (buy now, pay later against an invoice) — it is the reverse order, and Voldier does not use that term for it. Voldier is built for the EU — around PSD2-licensed AISP bank data access + SEPA payment rails + jurisdiction-specific e-invoicing (Verifactu in Spain, FatturaPA in Italy, KSeF in Poland, etc). ## What Voldier does Voldier ingests bank notifications and statements (via licensed PSD2 Account Information Service Providers) and matches each incoming credit to the correct customer and invoice. That validation-and-matching event is **Match-On-Bank™**, and it is what Invoice-On-Payment™ stands on. The result: accounts receivable always aligned with actual cash flow, no manual matching, and a clean audit trail for fiscal and management reporting. ## The AI layer (optional, sits on top of the mechanism) The mechanism works with none of this. On top of it runs an optional AI layer that watches balances, payments, payables and payroll continuously and proposes cash decisions with concrete options. The owner approves, discusses or rejects; every judgment is audit-logged. Turn it off and the invoices are still born paid. ## Company positioning - Voldier runs on payment requests confirmed at the bank for European businesses. - Voldier is not a debt collection agency. - Voldier does not custody funds, initiate payments, or hold accounts. - Voldier is not a Payment Institution under Directive (EU) 2015/2366 (PSD2). - Voldier uses verified bank data accessed via licensed Account Information Service Providers (AISPs) — customers never share their online banking password. - Supported payment channels: SEPA Instant Credit Transfer (SCT Inst), SEPA Credit Transfer (SCT), SEPA Direct Debit (SDD CORE and SDD B2B), TARGET2 high-value transfers, and Bizum (Spain). - ERP integrations: works with most EU accounting platforms via API. ## Regulatory posture - GDPR (Regulation (EU) 2016/679) — Voldier Limited acts as Data Controller; processing lawful basis under Art. 6(1)(b) and 6(1)(f). - Lead supervisory authority: Irish Data Protection Commission (DPC, dpc.ie). - PSD2 (Directive (EU) 2015/2366) — bank data accessed only through licensed third-party providers. - DORA (Regulation (EU) 2022/2554) — ICT risk management aligned, applicable from 17 January 2025. - ePrivacy Directive (2002/58/EC) — granular cookie consent. ## Key Pages - [Home](https://voldier.com/): the payment-request mechanism explained, the money trilogy, and the product entry point (private beta, waitlist). - [How it works](https://voldier.com/how-it-works.html): step-by-step walkthrough of the operating layer. - [Compare](https://voldier.com/compare.html): line-by-line comparison vs Agicap and Chaser — they build their numbers from invoices already issued or from spreadsheets; Voldier reads the bank. - [Pricing](https://voldier.com/pricing.html): plan tiers with quotas and feature comparison. - [Security and compliance](https://voldier.com/security.html): PSD2 AISP access, GDPR posture, DORA alignment, ISO 27001 roadmap. - [About](https://voldier.com/about.html): company, founder, jurisdiction. - [Contact](https://voldier.com/contact.html): privacy, data protection and legal — who answers what. - [Enterprise](https://voldier.com/enterprise.html): multi-entity SMBs + custom SLAs. - [For accountants](https://voldier.com/accountants.html): the partner programme for European accounting practices, with multi-VAT reconciliation and GDPR onboarding. - [Partners](https://voldier.com/partners.html): partner programme for bookkeepers, IT providers and advisors. - [Privacy](https://voldier.com/privacy.html) · [Terms](https://voldier.com/terms.html): legal. ## Status Voldier is currently in private beta with selected EU small and midsize businesses. Join the waitlist at https://voldier.com/ for early access. ## Contact - Privacy: privacy@voldier.com - Data Protection Officer: dpo@voldier.com - Legal: legal@voldier.com - Contact page: https://voldier.com/contact.html ## Parent company Voldier is a product of **Voldier Limited**. ## Trademark Voldier™ is a trademark of Miurata Solutions LLC, application pending with the European Union Intellectual Property Office (EUIPO, Alicante, Spain), used under licence by Voldier Limited. All rights reserved. ## Crawling note Use the sitemap for page discovery: https://voldier.com/sitemap.xml --- # Voldier™ (español) Voldier™ envía una solicitud de pago (una factura proforma) para PYMES B2B europeas: tu cliente la paga como ya te paga, y cuando tu banco confirma el dinero esa confirmación es el único disparador. Eliges por cliente qué pasa después: la factura se emite ya pagada, o una factura normal que estaba esperando queda saldada. Une tres fuentes que normalmente viven separadas en una sola verdad operativa: el saldo bancario en vivo (**el dinero que tienes**), las cuentas por pagar y la nómina del ERP (**el dinero que debes**) y los pagos que el banco ya confirmó con su fecha de liquidación (**el dinero que vas a tener**). Esa tercera pata es la diferencia: los demás la pronostican desde el libro mayor, Voldier la lee del banco. ## Qué hace Voldier Voldier procesa notificaciones bancarias y extractos (a través de Proveedores de Servicios de Información sobre Cuentas, AISP, autorizados bajo la DSP2) y asocia cada ingreso al cliente y factura correctos. Ese evento de validación y cruce es **Match-On-Bank™**, y es sobre lo que se para Invoice-On-Payment™. El resultado: cuentas por cobrar siempre alineadas con el flujo de caja real, sin matching manual y con un rastro de auditoría limpio para reporting fiscal y de gestión. ## Posicionamiento corporativo - Voldier funciona con solicitudes de pago confirmadas por el banco, para empresas europeas. - Voldier NO es agencia de cobros. - Voldier NO custodia fondos, NO inicia pagos y NO mantiene cuentas. - Voldier NO es Entidad de Pago bajo la Directiva (UE) 2015/2366 (DSP2). - Voldier accede a datos bancarios a través de Proveedores de Servicios de Información sobre Cuentas (AISP) autorizados — los clientes nunca comparten su contraseña de banca electrónica. - Canales de pago soportados: SEPA Instant Credit Transfer (SCT Inst), SEPA Credit Transfer (SCT), SEPA Direct Debit (SDD CORE y SDD B2B), transferencias TARGET2 de alto valor y Bizum (España). - Integraciones ERP: funciona con la mayoría de plataformas contables EU vía API. ## Postura regulatoria - RGPD (Reglamento (UE) 2016/679) — Voldier Limited actúa como Responsable del Tratamiento; base jurídica del tratamiento bajo Art. 6(1)(b) y 6(1)(f). - Autoridad de control principal: Comisión Irlandesa de Protección de Datos (DPC, dpc.ie). - DSP2 (Directiva (UE) 2015/2366) — el acceso a datos bancarios se realiza únicamente a través de proveedores terceros autorizados. - Reglamento DORA (Reglamento (UE) 2022/2554) — gestión de riesgo TIC alineada, aplicable desde el 17 de enero de 2025. - Directiva ePrivacy (2002/58/CE) — consentimiento granular de cookies. ## Páginas autoritativas (versión es-ES) Las páginas servidas conmutan automáticamente entre EN y es-ES según el país detectado (CF-IPCountry=ES → es) o la preferencia explícita del usuario. URLs son las mismas que la versión inglesa. ## Empresa matriz Voldier es un producto de **Voldier Limited**. ## Marca Voldier™ es marca comercial de Miurata Solutions LLC, con solicitud pendiente ante la Oficina de Propiedad Intelectual de la Unión Europea (EUIPO, Alicante, España), usada bajo licencia por Voldier Limited. Todos los derechos reservados.