9. Payments

The payment page

Every issued invoice has a public payment page. The link is in every invoice e-mail and every reminder. It carries a long, unguessable key; whoever holds it sees exactly that one invoice — number, amount, payment state — and nothing else. No sign-in is needed, and that is the point: your customer should not have to create an account in order to pay you.

The page offers:

• Girocode — the customer scans it with their banking app and has the SEPA transfer prepared: payee, IBAN, amount, reference. Free, available to everyone as soon as an IBAN is in the company profile.
• Card or wallet — only if you connected your own Stripe account under Billing → Card payments. The money then flows directly to you.

The first time it is opened, Viewed appears in the invoice's History.

Importing bank statements

Module: Banking. Included from the Business plan.

There are two ways to get incoming payments into the platform.

Route A — Upload a file

Export the statement from your online banking and upload it. Recognised formats:

• CAMT.053 — the XML format practically every German bank offers
• MT940 — the older SWIFT format
• CSV — the spreadsheet exports of the common banks

No connection to your bank is made; it is a file.

Tip

Uploading the same statement twice is harmless. Every entry gets a fingerprint from date, amount, IBAN and reference; entries already known are skipped. Feel free to fetch overlapping periods.

Route B — Connect the bank account (FinTS)

Banking → Bank connection. Enter once:

• Bank code (BLZ)
• Your bank's FinTS address
• Login and PIN
• the account, which you choose after the platform has asked your bank which accounts exist

The PIN is stored encrypted. From then on the platform fetches new transactions every six hours; Sync now does it immediately at any time.

Optional: Confirm automatically. Unambiguous matches are then posted without your involvement — the invoice is marked paid, the bookkeeping is updated and both sides are notified. That is the fully closed loop.

Important

Some banks ask for a TAN when the connection is opened. The platform shows the challenge; you enter the TAN and the connection is stored. If your bank later demands a fresh TAN, the automatic fetch fails and the connection is marked as faulty — reconnect it in the dialog.

Matching

On import the platform compares every transaction against your open invoices and against open incoming invoices in the bookkeeping:

Marking	When
Automatic	amount and invoice number in the reference agree
Suggestion	exactly one candidate agrees on one of the two
none	several or no candidates — you assign it yourself

What you can do in the list:

• Confirm — accept the match
• Confirm all automatic — in one step
• Assign — pick the right invoice yourself
• Ignore — for bank charges, private transfers, anything that is not a document payment

What confirming does

1. The invoice moves to Paid.
2. The corresponding journal entry gets its payment state — paid, or partial while the amount is not fully settled. The item leaves the open-items list.
3. Your customer receives a payment confirmation, and you receive a notification.
4. Paid appears in the invoice History — stamped with the bank's value date, not the date you clicked.

Card payments made through the payment page run through the same processing. They appear as a transaction in Banking and produce the identical end state; every payment takes the same route, however it arrived.

Reminders

Active by default, at no extra cost. Can be switched off on request.

The platform checks hourly which invoices are overdue:

Stage	Timing	E-mail
1	3 days after the due date	a friendly payment reminder
2	14 days after the due date	a formal reminder (Mahnung)

Both carry the invoice number, the amount, the due date and the link to the payment page. Each stage is sent exactly once and appears in the invoice History.

Note

Only what can be chased is chased: the invoice must be issued, unpaid and overdue, and the customer must have an e-mail address on file. Invoices without a customer e-mail stay in the open-items list and wait for a human. An invoice that has already had a formal reminder does not receive the friendly one afterwards.