Automated
Accounts Receivable.

  • From contract to payment - invoices created and sent automatically
  • Open items tracked in real time, payments arrive faster
  • Dunning runs consistently - nothing slips through the cracks
30%
Faster payments received. Consistent dunning, early reminders and real-time open items lower DSO without friction for the customer.
99%
Automatic payment reconciliation. Bank feed matched to receivables - partial payments and batch transfers are allocated correctly, with no manual intervention.
€0
Lost revenue. Contract terms and consumption data flow automatically into every invoice - no forgotten volume uplift or expired discount.

Contracts in. Payments out.

01 · Creation
Contract-based invoicing
Terms, amounts and billing cycles are pulled directly from contracts. One-time and recurring invoices are generated automatically.
02 · Scheduling
Automated billing cycles
Monthly, quarterly or custom. Price changes and tiered pricing are applied automatically on every billing date.
03 · Delivery
Multi-channel delivery
Send by email, customer portal or API. Delivery status is tracked for every outgoing document, and receipts are logged.
04 · Tracking
Real-time open items
Status of every invoice at a glance - sent, overdue, partially paid, settled. Aging reports update continuously.
05 · Reconciliation
Automatic bank reconciliation
Incoming payments are matched to open invoices automatically. Partial payments, overpayments and currency differences are handled cleanly.
06 · Revenue
Revenue recognition
Period-accurate revenue accrual for subscriptions and service contracts. Deferred revenue and provisions are calculated automatically.

Contract × Usage = Invoice.

Orcha pulls usage data directly from your product backend via API and combines it with the terms from the contract - automatically, before every billing run.

Contract
#C-0388 · CustomerCo
€5.00 / user / month
−20% from 100 users
Minimum commit: 50 users
from contract · as of Jun 1
×
Usage · June 2026
API · Product backend
Active users: 124
Source: Stripe + backend
As of: Jun 30 · 23:59
via API · pre-billing
=
Invoice
RG-2026-0892
124 × €5.00 × 0.80
Net: €496.00
+ 19% VAT
€590.24 · Jul 1, 2026

Webhook or polling. Licenses, active users, storage, transactions, API calls - model anything you need. Pricing tiers, volume discounts and quantity caps from the contract are applied automatically.

Reminders that are individual.

Every customer pays for different reasons - and responds to different tones, channels and timing. Orcha learns from each customer's payment behaviour what reminder works when, and automatically adjusts tone, channel and cadence.

AI-driven - but every rule manually overridable. Keeps escalating when nothing lands. Pauses automatically on disputes.

Müller GmbH · INV-2026-0881 €12,400Connecting…Live
01
Friendly reminder
"Quick heads-up - your invoice is due in 3 days."
Waiting for trigger
02
Polite reminder
"Your invoice is now 7 days overdue."
Waiting for trigger
03
Formal reminder
Late-payment interest charged. CC to AP contact at the customer.
Waiting for trigger
04
Final payment notice
Escalation before collections. Audit-proof documentation.
Waiting for trigger

The rest is handled by other modules.

Contract logic
Price changes live in Contract Management
Tiered pricing, annual adjustments, volume discounts and clauses sit in the contract - the AR agent applies them automatically on every billing cycle.
Open Contract Management
Revenue posting
Period-accurate revenue is posted in Close
Accruals, revenue recognition and consolidation run automatically in the Close module - day-accurate, with IFRS / HGB / Swiss GAAP in parallel.
Open Close

You stay in control.
Even when the agent bills autonomously.

The AR agent creates invoices, sends them and handles dunning on its own - as long as everything stays within the lines. The moment a contract change, a dispute or an unusual payment shows up, it pulls you back into the loop. One-click decision, the agent learns, and the audit trail stays complete.

  • Contract changes · upsell, downgrade or cancel effective in the current period → mandatory approval
  • Payment dispute · customer pushes back on an invoice → dunning paused, transaction routed to you
  • Ambiguous payment · incoming amount can't be uniquely matched → proposal with confidence score for review
  • Escalation level 4 · always a human before collections or legal - even automated dunning has limits
  • Learning loop · every correction to contract logic or payment allocation trains the agent

Contracts become revenue. Period by period.

For subscription, SaaS and service contracts, revenue has to follow the service period - not the invoice date. Orcha reads every contract, knows every billing cycle and posts accrual-based revenue and deferred revenue automatically. Month-end closes that no longer take days.

  • Annual contract €120k → €10k revenue per month, rest as deferred revenue - automatic
  • Multi-component contracts (setup fee + subscription + usage) → each component its own accrual
  • Contract changes (upsells, downgrades, cancels) trigger automatic re-accrual
  • Month-end journal entry ready & checked on the first business day - no manual journals
  • HGB- and IFRS-15-compliant, posting logic configurable per tenant

The journey of a sales invoice.

From contract to payment received - fully automated, integrated into your existing infrastructure. Twelve steps, one audit trail.

99%
Auto payment match
30%
Faster payments received
€0
Lost revenue
100%
Audit trail
01
Step 01

Contract terms

Read terms
Base fees, tiered pricing, payment terms, billing cycles, cancellation notice periods - extracted automatically from PDF, DocX or DocuSign contracts.
Master data linked
Customer data, VAT ID, bank details, billing and shipping address synced from the CRM/ERP. Changes trigger updates.
02
Step 02

Usage data

API connection
Webhook or polling from your product backend, Stripe, Shopify, internal system - data lands reliably before every billing run.
Usage measurement
Licenses, active users, storage, transactions, API calls, customer-specific metrics - model anything you need.
Consolidation
Daily, weekly or monthly aggregation matching the agreed billing cycle. Cut-off accurate, with audit backup.
03
Step 03

Invoice creation

Line-item generation
One line per contract component - base fee, additional users, volume overage, one-time charges - correctly calculated.
Price adjustments
Annual indexations, volume discounts, promotional discounts, mid-term upsells - automatically applied on each effective date.
Multi-currency
EUR, CHF, USD and more, with daily spot rate or contractually fixed exchange rate. Hedging strategies optional.
04
Step 04

Formal & tax validation

Mandatory fields
Invoice number, date, tax IDs, mandatory disclosures per §14 UStG (Germany) & MWSTG (Switzerland) - fully validated before sending.
Tax rates
Domestic, EU B2B with reverse charge, third country, OSS for digital services to consumers - determined automatically per line item.
Plausibility
Total = lines, gross = net + VAT, tax amounts consistent - checked numerically and logically.
05
Step 05

Format & standards

XRechnung
Mandatory format for public-sector buyers in Germany - structured XML, Leitweg-ID included.
ZUGFeRD
Hybrid PDF with embedded structured XML (EXTENDED profile, version 2.1 and up) - readable by B2B customers and machines alike.
Peppol & classic PDF
International Peppol BIS for cross-border B2B delivery, and classic PDF for everyone else.
06
Step 06

Posting

Journal entry
Customer account, revenue account and VAT account GL-coded correctly per line item - based on your chart of accounts and the contract.
Period accrual
Service period detected, revenue recognized on an accrual basis, deferred revenue posted automatically.
DATEV export
Automatic batch export to DATEV Unternehmen Online, SAP, NetSuite or your local accounting system.
07
Step 07

Delivery

Email
Personalized cover letter per customer, signed, with all mandatory attachments and ZUGFeRD XML embedded.
Customer portal
Login via signed link, no account required. Download, view and pay the invoice.
API & Peppol
Direct structured delivery to recipient ERP systems - no PDF conversion needed on the customer side.
Mail (optional)
For customers without digital receipt: print, envelope and dispatch via an external service provider.
08
Step 08

Delivery tracking

Status per invoice
Sent · Delivered · Opened · Downloaded - visible per invoice, with timestamps in the audit trail.
Bounce handling
Invalid address, full mailbox, portal error → automatic correction via master-data lookup and resend.
09
Step 09

Payment reminder

Pre-due-date
Polite reminder 3 days before the due date - before it becomes a dunning notice. Lowers DSO without friction.
Personalized tone
Tone depends on customer history and payment behavior - friendly for trusted customers, more formal for risk customers.
Channel choice
Email, portal notification, optionally SMS for the most important thresholds - with a payment link for one-click settlement.
10
Step 10

Dunning & escalation

Levels 1-3
Polite reminder, formal reminder, final notice - each level with late-payment interest and dunning fees per your policy.
Dispute detection
Customer pushback (by email, portal or phone) pauses dunning automatically and opens a transaction for resolution.
Level 4 · Collections
Handover to collections or legal - always with a human in the loop. The full transaction history travels with it.
11
Step 11

Bank reconciliation

Automatic allocation
Match by reference, amount, customer IBAN - even with a mismatched reference, via contextual logic.
Partial & overpayments
A partial payment closes the line item proportionally; an overpayment creates a credit note or is netted automatically against open items.
Foreign currency
FX differences between invoice and payment are posted automatically as FX loss or gain.
12
Step 12

Revenue recognition & reporting

Accrual-based posting
Month-end journal entry is created automatically - realized revenue, deferred revenue, adjustments from contract changes.
Reporting
Realized vs. deferred revenue, DSO, aging, forecast - live in Power BI, Excel or via MCP server in ChatGPT, Copilot & Claude.

Combine AR with the rest of the suite.

AR already runs on its own. Together with document management and FP&A, you get live transparency over every euro your customers owe you.