End-to-end Invoice-to-Pay Automation with Agentic AI

The Invoice-to-Pay (I2P) cycle is the complete business process that begins when your company receives an invoice from a vendor and ends with the final payment being made and recorded. Also known as the Procure-to-Pay (P2P) cycle, it is the core function of your Accounts Payable (AP) team.

• Significant Cost Savings: Drastically reduce operational costs by eliminating manual data entry and preventing late payment fees.
• Enhanced Financial Control: Gain real-time visibility and control with digital audit trails and automated policy enforcement.
• Improved Vendor Relationships: Become a preferred partner by ensuring accurate and timely payments.
• Increased Productivity: Free your AP team to focus on strategic, high-value activities.

Your ERP (like Tally, SAP, or Oracle) is your system of record for financial data. An AP automation platform is a system of workflow and intelligence. It sits on top of your ERP, handling the complex, real-world challenges of invoice processing—like reading different formats, managing approvals, and ensuring tax compliance—before feeding clean, verified, and approved data into your ERP.

Absolutely. Our system uses advanced Optical Character Recognition (OCR) and AI that is format-agnostic. It doesn’t rely on fixed templates. The AI is trained to understand the context of an invoice, so it can accurately identify and extract key information—like invoice number, date, amount, and GST details—from a wide variety of layouts, structures, and even scanned images of physical documents.

Our platform guarantees very high accuracy, typically over 95% “straight-through” processing without human intervention. For the small percentage of invoices that the AI might flag for low confidence (e.g., due to a poor quality scan or a completely new format), it routes them to a human for quick verification. The system then learns from these corrections, becoming even more accurate over time.

Our platform is built to handle the complexities of the Indian GST regime. It automatically:

• Validates GSTIN: Checks the vendor’s GSTIN against the official government portal to ensure it is active and valid.
• Verifies HSN/SAC Codes: Matches HSN/SAC codes on the invoice to your master data.
• Calculates GST: Cross-checks the CGST, SGST, and IGST calculations on the invoice to prevent errors and ensure you can claim the correct Input Tax Credit (ITC).

AP automation transforms the audit process from a disruptive, time-consuming task into a streamlined, efficient verification. Key benefits include:

• Complete Digital Audit Trail: Every action on an invoice—from receipt and data extraction to approval and payment—is electronically time-stamped with the user’s details. This creates an immutable, easy-to-follow record for auditors.
• Centralized Document Access: Auditors no longer need to request physical documents. The invoice, PO, GRN, contracts, and all internal communication are stored digitally and linked together, accessible in a single click.
• Automated Policy Enforcement: The system ensures that your internal controls (like approval limits and segregation of duties) are automatically enforced. This proves to auditors that your policies are being followed in practice, not just on paper.
• Faster Evidence Retrieval: You can provide auditors with read-only access to the system, allowing them to pull their own samples and review evidence instantly. This drastically reduces the time and effort your team spends on audit support.
• Enhanced GST Audit Readiness: With automated validation of GSTINs and IRNs, and a clear link between invoices and their corresponding GSTR-2B entries, GST audits become significantly simpler and the risk of non-compliance penalties is greatly reduced.

Yes. For businesses under the e-invoicing mandate, this is a critical function. The system can:

• Scan QR Codes: Automatically read the digitally signed QR code on an e-invoice to capture key details.
• Verify IRN: Validate the 64-character Invoice Reference Number (IRN) against the government’s Invoice Registration Portal (IRP) to confirm the invoice is authentic and has been officially registered. This is crucial for claiming ITC.

This is a core strength of the system. We automate the 3-Way Match process:

1. Purchase Order (PO): The system pulls the PO data from your ERP.
2. Goods Receipt Note (GRN): It matches the invoice against the GRN to confirm that the goods or services were actually received.
3. Invoice: The invoice from the vendor is the final piece.

The platform automatically compares the quantities, prices, and totals across all three documents. If they match, the invoice is cleared for payment. If not, it’s automatically flagged as an exception for human review.

Yes, security is our top priority. We use robust, enterprise-grade security measures, including end-to-end data encryption, and our platforms comply with global security standards like ISO 27001 and SOC 2.

While this varies, a standard implementation can be completed within a few weeks to a couple of months. We provide a dedicated manager to ensure a smooth transition and comprehensive training for your team.

Most customers go live within 4–6 weeks

We offer seamless, bi-directional integration with a wide range of ERPs and accounting systems commonly used in India and globally, including:

• Tally (Prime & ERP 9)
• SAP (S/4HANA & ECC)
• Oracle (NetSuite & Fusion)
• Microsoft Dynamics 365
• Zoho Books & QuickBooks

Integration ensures that your vendor master, PO data, and final payment entries are always in sync between both systems without any manual effort.

We also ensure custom Integrations throughAPI-based and file-based integrations to fit your IT landscape.

No, ZAi does not directly connect to banking systems or initiate payments through banking APIs. Instead, ZAi can generate a bank payment instruction letter in the required format, which can be securely uploaded into your banking portal to trigger payments. This ensures your existing secure banking processes remain intact, while ZAi automates invoice processing, compliance checks, reconciliation, and payment readiness.

No, ZAi does not directly connect to banking systems or initiate payments through banking APIs. Instead, ZAi can generNo. ZAI works alongside your existing systems. Your master data can remain in your ERP or accounting platform — we integrate to read/write as needed.ate a bank payment instruction letter in the required format, which can be securely uploaded into your banking portal to trigger payments. This ensures your existing secure banking processes remain intact, while ZAi automates invoice processing, compliance checks, reconciliation, and payment readiness.

You can continue using your current accounting software. ZAI will connect with it for data exchange, automation (STP), and reconciliation.

ZAI can integrate with banking platforms for reconciliation and payment status tracking. Direct payment initiation via banking APIs is not currently supported.

No. Users can work entirely within Zvolv’s interface for invoice-to-pay workflows, while data is synchronised with your ERP in the background.

Key success metrics include reduced invoice processing time, high straight-through processing (STP) rates, improved accuracy, zero compliance breaches, and measurable reduction in AP costs.

Absolutely. Zvolv’s dynamic workflow engine lets you configure rules based on value thresholds, vendor categories, cost centres, and multi-level approvals.

We offer guided onboarding, training sessions, and continuous support. Our change management framework includes stakeholder alignment, pilot runs, user training, and phased rollout.

ZAI routes non-PO invoices through configurable approval workflows with validations for vendor, tax, and compliance before posting to your ERP for payment readiness.

Yes. Our ICR (AI-OCR) technology can extract data from handwritten invoices, subject to legibility. Accuracy improves further with our human-in-the-loop review.

Unlike traditional OCR or RPA systems that require template configuration for each format, ZAI focuses on the information required from the invoice rather than its layout. It intelligently extracts the necessary details regardless of format, ensuring accuracy without additional setup.

No. ZAI requires invoices to be provided as individual files. If invoices are received in a ZIP file, they need to be extracted before being uploaded or processed by ZAI.

Yes. ZAI supports multi-currency processing with automatic FX conversion based on configured rates, and applies relevant tax and regulatory validations.

ZAI ensures compliance through multi-layered automated validations covering POs, GRNs/MRNs, vendor verification, invoice structure, and mandatory field checks. It detects duplicates and potential fraud, validates calculations, rates, quantities, and taxes against POs, and enforces approval authority limits. Statutory requirements like GSTIN format, HSN/SAC codes, applicable tax rates, E-Way Bill rules, and e-Invoice/IRN validations (including QR codes) are built in. All actions are logged for secure and transparent operations. These controls are continuously updated to reflect changing regulatory and business requirements,and reducing compliance risks.

Yes. ZAI is designed to align with IT General Controls, including access management through (SSO, ABAC & RBAC), change management, and operational controls.

ZAI is built on enterprise-grade security with encryption at rest and in transit, role-based access, and audit logging. No customer data is used to train public LLMs.

ZAI uses large language models like ChatGPT and Google Gemini only under secure enterprise licenses, which guarantee that your data is not stored, used for training, or exposed to the public. All processing occurs in controlled, compliant environments with encryption in transit and at rest, and access restricted to authorized users. Zvolv’s infrastructure and processes are aligned with SOC 2 and ISO 27001 standards, ensuring sensitive financial and operational information remains private and fully under your organisation’s control.

ZAI automatically flags duplicate invoices using multi-parameter matching (invoice number, vendor, date, amount, PO reference).

ZAI is intuitive and requires minimal training. Most users become productive in under a week with our guided on boarding.

ZAI can be deployed on-cloud or on-premise, depending on your IT policy. Security controls include encryption, role-based permissions, and SOC2-aligned processes.

ZAI is designed for quick adoption, with a modern UI, contextual help, and minimal clicks to complete tasks.

Our team provides a structured change management plan covering stakeholder, phased deployment, training, and continuous support.