AP automation software that pays inside your mandate
Stage
Startup
Not given
Founded
2026
2023
Based in
Not given
SG
Pricing model
Contact for pricing
Freemium
Pricing
Not given
Free plan included. Paid plans from $25/month (Solo) to $499/month (Enterprise). All plans include the autopilot feature with a 0.25% fee on payments made automatically, capped at $25 per payment. Yearly billing offers 10% off three months, 15% off six months, or 25% off a year. Solo plan: $25/month
Key features
AI-driven invoice processing with automatic data extraction, validation and categorization
Automated accounts payable with invoice intake, approval workflows and payment preparation
Accounts receivable monitoring with overdue invoice identification and automated follow-up
Automatic bank reconciliation that matches transactions and detects discrepancies
Finance workflow automation across systems, teams and approval steps
Cash flow forecasting with real-time visibility of financial obligations
AI Finance Assistant for natural language queries about financial data
Process optimization that identifies inefficiencies and recommends improvements
Multi-currency support and integration with European banking via SEPA and Open Banking
Full audit trails and transparent AI actions with human approval controls
Mandate-based spending controls with automatic approvals
Automated bill payment and invoice chasing
Integration with banks, ERP, HR, CRM and crypto wallets
Virtual prepaid cards for people and agents
Stablecoin payments and bank-to-stablecoin ramp
Automated accounting and month-end close
What makes it different
Full finance operations stack in one platform, not point solutions like Agicap or Pennylane
Built specifically for European SMEs with multi-language and country-specific compliance support
Reduces invoice-to-payment cycles from days to hours
AI that acts autonomously, not just analyzes
SME-first design that scales up, not down from enterprise systems
Spending mandates ensure no payment can exceed limits without approval
Money held only in prepaid cards and agent wallets—never in company deposits
Autonomous agents that spend and collect inside preset limits
OPERAFI
Orla