Unit cost
€0.60 – €1.80 per invoice processed
Methodology v1.0. Counted once per invoice processed regardless of which capability handled it.
Run the AP cycle end-to-end — invoice intake, 3-way match, approval orchestration, payment scheduling, vendor queries — with audit-grade logs.
Scoped like an AP specialist hire, priced per invoice processed, anchored to a fully-loaded EUR 45-65k benchmark.
Response time
sub-minute on intake
Accuracy target
92-97%
Escalation cap
under 4 hours on match-failure review
Priced per business action
Range reflects invoice complexity, PO-match depth, and approval hops. Low end is clean 3-way match with single-hop approval; high end is multi-line invoices with expense-classification and multi-hop approval.
Unit cost
€0.60 – €1.80 per invoice processed
Methodology v1.0. Counted once per invoice processed regardless of which capability handled it.
Human-equivalent reference
AP Specialist
EU mid-market
Benchmarked against EU mid-market AP specialist roles. Fully loaded includes salary, benefits, ERP + AP tooling, management overhead, and first-year ramp.
Live calculator
Demo projection · Methodology v1.0
Capabilities
Activate the capabilities that match your largest repetitive categories. Start with the default set; expand as you prove each one. Metered unit is the role's — adding capabilities never changes the per-action price.
Runs invoice intake, 3-way match, and approval routing end-to-end.
Read the capability
Handles vendor onboarding, KYC, banking details, and approval workflow.
Read the capability
Categorizes expenses against policy and flags policy violations.
Read the capability
Reviews vendor disputes, enriches with context, routes to owner.
Read the capability
Scenarios
Three business shapes we see most often. Costs are computed from €0.60 – €1.80 per invoice processed and a fully-loaded AP Specialist benchmark.
Scenario 1 · SaaS · 100-300
800 invoices processed / month
Starting capabilities
Situation
A 200-person B2B SaaS company processes 800 vendor invoices a month. AP spends half the week chasing approvals; vendor onboarding stalls on KYC back-and-forth; duplicates slip through at month-end.
Agent fit
AP Specialist activates AP automation and vendor onboarding. Invoices get matched and routed; new vendors land clean with KYC and duplicate checks; the AP team owns exceptions rather than queue.
Outcome
Expected outcomes at this volume: 3-way match rate above 92%, invoice cycle time down 40-60%, duplicate-payment rate near zero, month-end close accelerated.
Scenario 2 · Services · 150-400
1,500 invoices processed / month
Starting capabilities
Situation
A 300-person services firm runs 1,500 invoices a month across subcontractors, reimbursables, and SaaS. Expense classification drifts. Disputes pile up. Policy violations land in audit.
Agent fit
AP Specialist activates all four capabilities. Invoices match and route cleanly; vendor onboarding runs controlled; expenses get policy-classified; disputes route with context. AP owns the edge cases only.
Outcome
Expected outcomes: match rate above 92%, cycle time compressed, expense-policy compliance above 95%, dispute intake compressed, clean audit trail.
3-way match rate
Above 92%
Invoice cycle time
40-60% faster
Duplicate-payment rate
Near zero
Expense-policy compliance
Above 95%
Weekly maintenance
2-4 hours
Audit-trail completeness
every invoice logged with rationale
How it works
Workflow summary
The agent catches invoices at intake, runs 3-way match, routes approvals by threshold, schedules payments, handles vendor queries, and surfaces exceptions to the AP owner.
Exceptions
Match failures, above-threshold invoices, and policy-violation flags route to the AP owner with full context.
When humans step in
Humans step in on above-threshold invoices, match failures, policy violations, and novel-vendor onboarding.
Connected systems
Agent operates inside ERP or AP automation, email, messaging, and expense tool. Captures invoices, matches against PO and receipt, routes approvals, schedules payments, answers vendor queries, logs everything.
Data inputs
Invoice files, PO data, receipt data, vendor master, approval hierarchy, expense policy, prior payments. Writes match results, approval decisions, payment schedules, vendor replies, and audit rationale back to the ERP.
Decision logic
Uses invoice-to-PO match logic, approval thresholds, and expense-policy rules to decide auto-approve, route, hold, or escalate.
Readiness
Approval hierarchy documented, vendor master current, 3-way match rules agreed.
Integrations
No new systems to learn. The role connects to the platforms your team already uses.
What "working" looks like
3-way match rate above target
Above 92%
Share of invoices matched cleanly against PO and receipt.
Source · ERP match report
Invoice cycle time down target range
40-60% faster
Median time from invoice receipt to approval and payment schedule.
Source · Agent execution log
Duplicate-payment rate near zero
Near zero
Share of payments identified as duplicates.
Source · ERP payment audit
Audit-trail completeness at 100%
100%
Every invoice carries a logged decision rationale and match trail.
Source · Agent audit log
Governance & compliance
AI Act posture
Subject to transparency obligations: clear AI disclosure to end users where the agent interacts directly.
GDPR legal basis
Legal obligation
DPIA
Recommended before deployment. We'll run one as part of the Launch Program.
Questions we get
An AI role priced per invoice processed. It runs invoice intake, 3-way match, approval routing, payment scheduling, vendor onboarding, expense classification, and dispute intake. Same scope as an AP specialist hire, priced per action.
Pure usage: EUR 0.60-1.80 per invoice processed. Launch fee covers ERP wiring, approval-hierarchy capture, match-rule setup, and evaluator design for 3-way match.
NetSuite, QuickBooks, and Xero are the primary ERPs. Bill.com is recommended as an AP automation layer. Email and messaging integration handles vendor-facing work.
On match failures, above-threshold invoices, KYC red flags, banking-detail anomalies, and policy violations. Every handoff carries full match context and recommendation.
The agent matches invoice lines against PO and receipt data. Clean matches within threshold auto-approve; mismatches route to AP with the discrepancy highlighted; duplicates get caught at intake.
Typical 21-35 days. Faster with a clean vendor master and documented approval hierarchy.
Chat opens with your role context already loaded. Scope a launch set of capabilities, review integrations, and get a timeline in one conversation.