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Workflows

Invoice processing, verification and receivables

Financial admin is one of the largest hidden costs: an average SME spends 6–12 hours a week on manual invoice entry, chasing approvals and phoning about unpaid invoices, while late customer payments are the number one cause of liquidity crises. These modules run the whole chain from intake through NAV cross-check to bank reconciliation and a psychologically staged dunning sequence.

  • 6–12 hours a week spent on invoice admin at an average SME
  • Fuzzy bank matching identifies 99% of payments even with wrong references
  • Liquidity warnings 2–3 weeks ahead from partner payment habits

Recipes in this category

  1. 01 · Top 7

    AI invoice intake and JSON extraction (IDP)

    Invoices arrive by a dedicated address (szamla@ceg.hu), a synced Drive/OneDrive folder or a staff phone photo. Semantic vision AI extracts header fields (issuer, tax number, buyer, number, dates, due date, payment method, currency, IBAN), totals by VAT rate, and line items, even from crumpled fuel receipts and 20-page summary invoices.

    Claude Vision · Docsumo · Gmail · Google Drive

  2. 02

    Automatic 3-way matching and fraud screening

    Invoice vs purchase order vs delivery note, with no human involved: unit price above the agreed one (overbilling), items never received, a bank account that differs from the supplier's known account (invoice fraud: payment blocked, CFO alerted), and duplicate detection so the same invoice is never paid twice.

    n8n · Claude

  3. 03

    NAV Online Számla automatic cross-check

    Via the NAV M2M API the automation pulls the official XML for the invoice by tax number and invoice number, compares totals, VAT and dates with the PDF, checks that the issuer exists and its tax number is not suspended or on the tax-debtor list, and alerts finance on any discrepancy.

    NAV Online Számla M2M · n8n

  4. 04

    Accounting prep, cost-category suggestion and approval routing

    The AI proposes the cost category from the partner's history (office supplies, fuel, marketing, subcontractor, software). The approver gets one interactive Slack, Teams or email message: 'Google Ads invoice, 185,000 Ft, everything matches.

    Slack · Billingo · Odoo · Google Drive

  5. 05

    Accounts receivable autopilot: staged dunning chain

    Day -3 friendly email with the invoice and a SimplePay/card link. Day +1 friendly overdue note by email + SMS.

    Resend · Twilio · WhatsApp API · n8n

  6. 06

    Real-time bank reconciliation

    Open Banking (PSD2) APIs for OTP, Erste, K&H, Revolut Business, Wise, or a daily CAMT.053/CSV. Fuzzy matching identifies 99% of payments even when the reference is wrong, a digit is missing or a private person paid instead of the company.

    Salt Edge · Tink · Wise API · Revolut Business API

  7. 07

    Predictive cash-flow and liquidity dashboard

    Learns each partner's payment habit ('Partner Kft always pays 6 days late'), counts fixed outflows (payroll, contributions on the 12th, VAT on the 20th, rent, software) and warns 2–3 weeks ahead: 'Balance will be minus 1.4M Ft on 20 April unless the three largest receivables land. Chase partners A and B now.' Weekly finance brief on WhatsApp or Slack every Monday at 8:00.

    n8n · Claude · Google Sheets

Recommended stack

RoleToolsWhy
Invoice OCR and IDPClaude Vision, Docsumo, MindeeLine-item extraction from multi-page invoices and receipts
Invoicing and NAV integrationBillingo API, Számlázz.hu Agent, NAV Online Számla M2MOfficial invoicing operations and NAV XML matching
Banking and paymentsWise Business API, Revolut Business API, Salt Edge / Tink (PSD2), Barion / SimplePayLive balances, automatic reconciliation, QR and link payments
Orchestrationn8n, MakeMailbox, OCR, NAV, bank and invoicing data exchange
Dunning communicationsResend / SendGrid, Twilio, WhatsApp APITimed, staged, personalised payment reminders

Source: AI Automation Market Report and Practical Guide (2025–2026)

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