Payables
From bill to payment, on one record.
Bills, approvals, payments and reconciliations on one vendor record. TDS at the line, GSTR-2B matched overnight, MSME 43B(h) gated before payment.
Bill Capture & OCR
Bills land already worked.
Email forwards, PDF uploads, vendor portal pushes and WhatsApp captures flow into one queue. OCR reads header fields at 95-98% and line items at 88-92% on Indian B2B layouts. Vendor matched on PAN and GSTIN, PO and GRN linked, TDS classified per line.
Bill Approval Workflows
Approvals that route themselves.
Rules by amount, cost-centre, GL, vendor, project or entity. Approvals via Slack, email or WhatsApp, with out-of-office auto-escalation and mobile sign-off. Full audit trail with reason capture and SLA tracking. The CFO never approves a coffee bill at 11 PM.
Line-Item TDS
TDS at the line, not at the bill.
Different lines on the same vendor bill often fall under different TDS sections. 194C for the contractor part, 194J for the consultancy part. Line-item TDS resolves the section, rate and threshold per line, with PAN verified live against CBDT.
GSTR-2B Bill Reconciliation
GSTR-2B reconciled overnight.
Your purchase register matches against GSTR-2B every night. Mismatches, vendor non-filers and tolerance gaps surface before the payment is scheduled. The ITC you book is the ITC you claim.
Payment Scheduling
Payments queued by due date, MSME first.
Approved bills queue by due date. MSME 43B(h) bills auto-prioritised. ITC-at-risk and TDS holds gate the run. NEFT, RTGS, IMPS and UPI fire on release. Cash position projected against the next two weeks.
Bank Reconciliation
Bank statements matched every morning.
Connected Banking pulls statements daily from ICICI, HDFC, Axis, Yes, Kotak, SBI and more. Payments and receipts auto-match on amount, UTR and date. Bank charges, GST on charges and forex differences auto-categorised. Pending items dashboard surfaces the gap.
Vendor Payment Batches
Pay 200 vendors in one release.
NEFT, RTGS, IMPS or UPI selected per amount and urgency. Auto-fallback if a rail is down. Connected Banking with ICICI, HDFC, Axis, Yes, Kotak and SBI. Maker-checker release with OTP or DSC. UTRs post back as the run completes.
Dynamic Discounting
Pay early, pocket the discount.
Vendors opt in via the portal. The discount curve runs from full term to early-pay on a sliding scale by days-to-pay. APR-equivalent yield shown per offer. Cash cost per acceptance computed in real time. CFO sees both sides before approving the cap.
MSME 43B(h) Compliance
Section 43B(h), enforced at the bill. Not at year-end.
Udyam registry verified at vendor onboarding and re-checked at every bill. The 45-day clock starts at the invoice date. The payment scheduler enforces it. The disallowance impact is visible before any override.
Vendor Statement Reconciliation
Vendor statements reconciled monthly. Not at year-end.
Vendor statements upload via portal, email or PDF. Auto-match runs on invoice number, date and amount. Mismatches drill to the source bill or payment. Debit and credit notes on either side handled. FY-end balance confirmation exports clean.
Reverse Charge Bills
Reverse charge, handled at capture.
Reverse-charge categories (legal, GTA, security, advocate, residential rent, import of services) auto-flagged at bill capture. Self-invoice generated with IRN where applicable. Section 9(3) and 9(4) handled separately. GSTR-3B Table 3.1(d) populated. ITC claimed in the next month per Section 16.
Expense Claim to AP Bridge
Expense claims become AP bills.
Approved employee expense claims (the field engineer's flight, the consultant's hotel, the petty cash sheet) post as AP bills with the right vendor master, the right GL, the right TDS classification and the right GST treatment for ITC capture.
At scale
Bill-to-pay, by the numbers.
line-item OCR accuracy on Indian B2B
median bill-to-pay cycle
ITC recovered through nightly GSTR-2B match
MSME, GSTIN and PAN verified at vendor onboarding
Buyer FAQ
What teams ask before they switch.
Will OCR work on scanned PDFs, photographed bills and emails with embedded images?
Yes. The pipeline handles native PDFs, scanned PDFs, photographed bills (the WhatsApp invoice from the field) and emails with embedded image attachments. Accuracy is 95–98% on header fields and 88–92% on line items for Indian B2B layouts: Tally Prime print, Marg, Busy, Zoho, SAP Business One and custom formats. Confidence is shown per field, so the AP team reviews only what isn’t certain.
How is line-item TDS different from bill-level TDS, and why does it matter?
A single vendor bill often has lines that fall under different TDS sections: 194C for the contractor part, 194J for the consultancy part. Bill-level TDS picks one section and rounds; the result is FY-end reconciliation pain and vendors disputing their TDS certificates. Line-item TDS resolves the right section, rate and threshold per line, with the vendor’s PAN status checked live with CBDT.
Does it integrate with Tally Prime, Zoho Books, SAP Business One and NetSuite?
Yes, bidirectionally. Bills can post here and sync to the ERP, or post to the ERP and sync here. The vendor master is shared, and payments scheduled from OneFinOps post back as receipts in the ERP. Most Indian teams keep the books in their existing system and run AP automation through OneFinOps.
How is the MSME 43B(h) 45-day rule enforced, in practice?
MSME status is verified live against the Udyam registry at vendor onboarding and re-checked at every bill capture. The 45-day clock starts at the invoice date (or 15 days where no written agreement exists). The payment scheduler holds bills past the window and surfaces the Section 43B(h) disallowance amount and MSMED Act Section 16 penal interest before any override. Overrides are dual-controlled and captured in the audit trail.
Can our CA review TDS and GST posture before bills are paid?
Yes. The CA reviewer role gets read access to line-level TDS classifications, GSTR-2B match status, MSME flags and the drafted 24Q / 26Q / 27Q and GSTR-3B returns. Comments and DSC sign-off are captured per period. Payments release only after the period is signed off where that gate is configured.
We pay foreign vendors under Section 195 with DTAA rates. Does this handle that?
Yes. Foreign vendors are tagged at the master with their TRC and DTAA position. Section 195 deduction is applied at the bill, at the DTAA rate where the TRC is on file, or the slab rate otherwise. Form 15CA Part D and Form 15CB metadata are captured at the bill and drafted for CA review and bank submission.
We run six entities across four states, fourteen GSTINs in all. Is that a separate setup?
No. Multi-entity, multi-GSTIN and multi-state are first-class. Capture, GSTR-2B match, TDS, MSME and approvals all run per GSTIN automatically. The CFO dashboard rolls up exposure across the group, and the controller can drill into any one state. Adding a GSTIN takes one screen.
Forward your bills. See the AP cycle work.
Connect one entity, free. Forward your last 50 bills. Capture, TDS, GSTR-2B match and MSME flag all run before the demo call. On your data. Not a generic deck.