Invite-only early access

Invoices in.
DATEV-ready books out.

Paylo reads every incoming invoice — PDF, phone photo or e-invoice — checks the maths and the mandatory fields, flags fraud, routes approvals, and prepares the payment and the export for your Steuerberater.

No credit card · Free during early access

Incoming invoicesExample
MW
Müller Webdesign GmbH
Freelancer · checks passed
€1,090.00
Approved
GA
Google Ads
Ad Spend · checks passed
€3,200.00
Approved
NO
Notion
SaaS · checks passed
€192.00
Approved
VP
Vega Productions
Vendor · net + VAT ≠ total
€7,800.00
Review
Illustrative example data
Checked on every invoice
Net + VAT = total✓
IBAN checksum✓
USt-IdNr. (VIES)✓
Reads PDF invoices Phone photos & scans XRechnung / ZUGFeRD Invoices from Gmail
📋Append-only audit log
|
🗄Originals kept 8 years
|
🛡️No bank login storage
|
🇪🇺Data hosted in the EU

For your Steuerberater

Books your accountant
can actually use.

Paylo hands over structured data and the original documents — not a pile of PDFs.

📊
DATEV export
Buchungsstapel in DATEV's EXTF format with SKR03 or SKR04, one booking line per VAT rate, invoice number and invoice date. Optionally one Kreditoren account per vendor.
🗄
Archive built around GoBD
Every original is stored unchanged with a SHA-256 fingerprint and cannot be altered or deleted during the 8-year retention period. One-click archive export with index, audit log and a Verfahrensdokumentation template.
🔢
The maths is checked
Line items → net → VAT → total are recalculated. If a figure doesn't add up, the invoice goes to a person and is kept out of automatic payment and the DATEV export until it's reviewed.
📑
§14 UStG mandatory fields
Supplier and recipient details, tax ID, invoice number and date, VAT breakdown — missing items are flagged before you pay, so input-VAT deduction isn't put at risk. Supplier USt-IdNr. is checked against EU VIES.

Account numbers and tax keys in the export are suggestions to confirm with your Steuerberater. Paylo supports your GoBD obligations; it is not a certification and does not replace tax advice. AI reading can be wrong — that is why unclear invoices go to a human.

Security

Built to be checked,
not just trusted.

What we actually do — see the security page for the details.

⚡
Automated fraud checks
Duplicate invoices, amounts far above a vendor's usual, first invoices from new vendors, changed bank details, invalid VAT IDs and incomplete invoices are flagged for review before payment.
🏦
You authorise every payment
Payments go through a licensed Open Banking provider (Yapily). Each payment is confirmed by you in your own bank (strong customer authentication) — Paylo cannot move money on its own. Prefer manual? Download a SEPA file instead.
📋
Append-only audit log
Every approval, change and payment is logged with time and actor. The database itself rejects edits and deletions of log entries. Export as CSV any time.
👁️
No bank login stored
Paylo never sees or stores your online-banking credentials. Bank and mailbox access tokens are encrypted with AES-256-CBC and can be revoked at your bank or in your Google account at any time.
🔒
EU hosting, isolated data
Application server at Hetzner in Finland, database at Supabase in Ireland — both inside the EU. TLS 1.2/1.3 in transit, row-level security on every table so each business only sees its own data.
✅
Approval before payment
Set auto-approval limits and monthly caps, and route larger invoices through multi-step approval chains. Approvers decide with one click from an email — no account needed.

What Paylo covers

Every kind of invoice
your business receives

Freelancers, subscriptions, ad platforms and suppliers — in one inbox.

🧑‍💻
Freelancers & Contractors
Invoices read automatically; approved under your limit, otherwise sent to you for a decision.
DesignCopyDevVideo
☁️
SaaS & Subscriptions
Recurring invoices read, categorised and routed through the same rules every month.
NotionFigmaAdobe
📣
Ad Spend
Meta, Google and LinkedIn invoices read and categorised; assign them to a client.
Meta AdsGoogle AdsLinkedIn
🏢
Vendors & Suppliers
Printers, studios, event companies — with vendor bank details collected through a self-service portal and a full approval flow.
ProductionPrintEvents

How it works

Send invoices in.
Paylo does the checking.

Three steps from inbox to books.

1
Send invoices in
Upload a PDF, phone photo or e-invoice, or connect Gmail and let Paylo pick invoices out of your inbox. The original is archived unchanged.
2
Paylo checks
AI reads the invoice, then the totals, VAT, IBAN, VAT ID and mandatory fields are verified. Anything doubtful waits for a person.
3
Approve, pay, export
Approve under your rules. Authorise the payment in your bank or download a SEPA file. Send the DATEV export to your Steuerberater.

Early access

Be among the first
100 businesses.

Invite-only · Free during early access · Onboarding one by one.