Turn accounts payable into working capital
Kognify runs AP as an autonomous function — reading every invoice, recalculating every value, and running true line-by-line 3-way matching, then approving what's clean and escalating only genuine exceptions. The finance outcome: a faster close, captured early-payment discounts, tighter control, and a team that scales without adding headcount.
AP is the last corner of finance that still scales with headcount.
Existing tools do OCR and fill fields — then people take over: checking the math, matching against the order, chasing missing goods, signing off. It's slow, it's expensive per invoice, and it locks up cash. Every increase in volume means another hire. Meanwhile the real risk — the <1% of invoices that are actually wrong — hides inside the 100% your team rubber-stamps.
Six ways autonomous AP reshapes the finance function.
This isn't a productivity tweak for the AP desk. Automating verification and decisioning changes the shape of the finance function — its cost base, its cash position, its risk posture, and its capacity to grow.
Free up working capital
Faster, confident payment decisions let you time payments deliberately — capture 2/10-net-30 style discounts and optimize DPO instead of paying on autopilot.
Break the cost-to-volume link
Process 2x or 5x the invoices without 2x the AP team. Cost-to-process falls as you scale — a structural change to the finance operating model.
Strengthen controls & audit
Every invoice is recalculated bottom-up and matched line by line, with a full audit trail on each AI decision. Real exposure surfaces instead of hiding in the 100%.
Compress and de-risk the close
Backlog clears continuously, not in a pre-close scramble. A predictable, faster close with fewer surprises reaching the finance leadership's desk.
See cash in real time
Ask in plain language for spend by supplier, category, or period and get an instant breakdown — live payables visibility without a BI project.
A beachhead for finance AI
AP is the entry point to an enterprise platform of autonomous operators — a repeatable path to AI adoption across the finance org and beyond.
It doesn't move data around. It verifies the invoice and decides.
The reason autonomous approval can be trusted is what happens on every invoice, every time. For the first time, true automation is possible in accounting — not data entry with a human safety net, but AI that reads, recalculates, matches and verifies. Here is the path each invoice takes:
📄 Ingest & Structure
Integrates with your systems so the process starts automatically the moment an invoice arrives. Layout-aware AI then reads it — PDF, scan, or handwriting — and structures every line item.
🧩 Understand Invoice Logic
Grasps the document's logic — the relationships between items, prices, discounts and totals — and applies any company-specific quirks and special requirements set up in the invoice-handling configurator.
🧮 Recalculate & Verify
Recalculates the invoice from unit price to line item to grand total and validates against recognized values. 100% match required — and external data integrations enable custom validations.
🔗 Find PO & 3-Way Match
Locates the matching purchase order, then compares invoice ⇔ PO ⇔ delivery note line by line — by item, code, quantity, and contracted vs. invoiced price. Catches partial deliveries and overbilling, not just total-level tolerances.
🚦 Decide & Route
Posts verified invoices straight through — with full integration to SAP, Microsoft Dynamics and most other systems — or pauses and escalates with full reasoning the moment a discrepancy appears.
~99% — zero staff time
Around 99% of invoices are recalculated, 3-way matched, and posted straight to finance with no employee involvement at all.
~1% — the only touch
Only about 1% ever reach a person — a recalculation or matching issue with price, quantity, or missing goods — and they arrive with full reasoning attached.
From a cost center to a lever on cash and control.
The operational wins convert directly into financial ones. When verification and matching are autonomous and instant, finance gains real optionality over payment timing, cost, and close.
Lower AP operating cost as manual verification and matching are removed
Cycle time from receipt to payment-ready, freeing decisions on discounts and DPO
Line-level 3-way matching with extrapolation of correct PO & intelligent handling of real-world exceptions
To a pilot running in production — payback measured in weeks, not quarters
Numbers we commit to — backed by a plan that earns them.
Live results with real clients today, and a roadmap ahead. Backed by structured onboarding and support — not optimism.
Kognify vs. the industry benchmarks.
Kognify's production performance measured against Ardent Partners' "AP Metrics That Matter in 2025" — a study of 212 AP & finance professionals. Best-in-Class = the top 20% of enterprises.
Autonomous processing
Processing time
Cost per invoice
| Metric | Kognify | Best-in-Class | Industry avg |
|---|---|---|---|
| Autonomous invoice processing | 98% | 49.2% | 32.6% |
| Autonomous 3-way reconciliation | 95% | — | — |
| Self-monitoring accuracy | 99.9% | — | — |
| Invoice processing time | 1 day | 3.1 days | 9.2 days |
| Cost per invoice (loaded) | €0.35 | €2.43 | €8.22 |
| Explainable, human-language output | Yes | not measured | not measured |
Autonomy
Runs invoices ~2× more hands-off than Best-in-Class, ~3× the industry average.
Speed
1 day autonomous (1.5–2 with per-invoice approval) vs 3.1 days Best-in-Class, 9.2 days industry.
Accuracy
99.9% self-monitoring catches fraud, bad recalculations and misaligned verifications — a human steps in only when truly needed.
Cost
€0.35 loaded vs €2.43 Best-in-Class and €8.22 industry — roughly 7× below top performers, ~23× below average.
Clarity
Every result carries a plain-language reason — directly attacking the report's #1 AP challenge (invoice exceptions, 53%).
Market timing
75% of AP teams already use some AI and 61% expect major impact in 2025 — buyers are primed for exactly this.
Source: Ardent Partners, "AP Metrics That Matter in 2025" (underwritten by Pagero), based on 212 AP/finance professionals. Kognify figures are internal production metrics. Benchmark cost per invoice is a fully-loaded operational cost (staff, technology & overhead); Kognify's €0.35 is its loaded per-invoice cost. Report costs converted USD→EUR at €1 = $1.14.
Auditable by design — built for a regulated finance function.
Autonomy without control is a non-starter. Every decision Kognify makes is explainable, logged, and traceable, on infrastructure that meets EU financial-services standards.
Configured the way you'd onboard a colleague.
No IT consultants, no deployment cycles. Your finance team configures rules in plain language and sees changes live immediately — so the system keeps pace with new suppliers and regulations without a developer queue.
Natural-language rules
Configure per field: company quirks, data relationships, transformations. Written as instructions, not code.
Changes live immediately
New supplier format or fresh regulation? Business users address it directly — no developer ticket, no wait.
True 3-way matching
Logical comparison across invoice ⇔ PO ⇔ delivery note by item, code, quantity, and contracted vs. invoiced price.
Conversational reporting
Ask in free text — "total expenses per supplier last year" — and get a breakdown plus chart. No BI project.
Fits your finance stack
SAP, M-Files, SharePoint, MS Teams, Confluence. Webhook-driven hand-off to Power Automate and downstream systems.
Part of the Kognify AI Platform
AP is one operator on an enterprise platform of AI operators — the foundation of a full Business AI adoption plan.
Serving some of the largest companies in Bulgaria.
As one of Bulgaria's leading courier companies, we process thousands of invoices every month. With Kognify, in the very first month of deployment we achieved over 98% successfully processed invoices — even while the system was still being tuned. The system independently identifies discrepancies and escalates only genuine exceptions. That gives us confidence without losing control.
See it run on your own invoices this month.
Free POC in under 2 weeks. First pilot running in production in under a month, with a dedicated one-month 'Frictionless Onboarding' period where we fine-tune the system to your specifics. Bring your real invoices; we'll show you the cost, cash, and control impact before you commit.