Your invoices post
themselves.Safely.
AI reads every invoice and posts the ones it's confident about straight into Xero or Zoho Books. The rest come to you for a one-click review. And the moment a vendor's bank details change, PayIQ always stops and asks a human first.
- Xero + Zoho
- Both connectors, day one
- Always-on
- Bank-detail change verification
- Never lost
- Queued, not dropped, if AI is down
Posting feed
● Example- Posted
Straits Logistics Pte Ltd
INV-22841 · SGD 1,240.00 - Posted
Golden Harvest Traders
INV-22842 · SGD 386.50 - Held
Meridian Supplies Co.
INV-22843 · SGD 2,910.00 - Changed vendor bank details trigger a human review, regardless of confidence score.
- Posted
Pacific Rim Distributors
INV-22844 · SGD 764.20
Someone on your team is still opening every invoice, typing it into Xero or Zoho, and hoping they catch the one that's off. That's slow on a good week — and on a bad one, it's how a business email compromise scam gets a real payment out the door.
PayIQ takes the typing off your team's plate for the invoices it's sure about, and puts a hard stop in front of the one thing that actually causes AP fraud losses: a vendor's bank details changing without anyone noticing.
One layer between your invoices and your books
PayIQ sits inside your AP workflow without replacing Xero or Zoho. Payment-detail changes always return to a human.
Vendors & Invoices
Where invoices arrive
- Upload
- Vendor portal
Submitted
Algorims PayIQ
Amazon Textract · Amazon Bedrock
- Capture
- Guard
- Post
or Routed to
Reviewer
Xero, Zoho & Bank
Where the entry lands
- Xero
- Zoho Books
- Bank reconciliation
Invoices are posted or held for review. A vendor bank-detail change never posts without a human.
AP toil is annoying. AP fraud is dangerous. You're carrying both.
- Manual invoice entry is slow, and the busy weeks are exactly when mistakes slip through.
- Vendor bank-detail changes are the single most common way accounts payable fraud actually happens.
- Teams need touchless processing without losing a human check on the one thing that matters most.
Most invoices move fast. The moment something touches a vendor's payment details, PayIQ deliberately slows down.
Invoice arrives
Captured from email or upload, with nothing lost if AI is briefly unavailable — invoices are always queued.
AI reads and codes it
Confident invoices are coded and queued to post automatically.
Bank-detail change = hard stop
Always human-verified, regardless of confidence score — this rule has no configurable-off switch.
Posts to your ledger
Approved invoices post straight into Xero or Zoho Books, with a defined reversal workflow if something was wrongly auto-posted.
Capture the paperwork. Guard the payment. Post where you already work. Stay in control the whole way through.
Amazon Bedrock
Invoice reading, coding, and confidence scoring.
Xero connector
Live posting integration, native from day one.
Zoho Books connector
Deepest integration in India, through to bank reconciliation.
Can PayIQ auto-approve a change to a vendor's bank details?
No. That action is always human-verified, regardless of confidence score — a headline commitment with no configurable-off switch.
Which accounting systems does PayIQ post into?
Xero and Zoho Books are both live from day one, via native connectors.
What if an invoice was wrongly auto-posted?
There's a defined reversal workflow — PayIQ sells the safety net, not just the gate.
Where it fits
Built around the ledger you already run
The connector and market angle change. The fraud stop does not.
ANZ · Xero
Highest labor cost of the three markets means the strongest per-invoice time savings — and business email compromise is front-page news here, so the fraud stop leads the conversation.
Singapore / SEA · Xero + Zoho
Xero for Singapore entities, Zoho across the wider region. Built for lean finance teams who need to grow headcount-free, hosted and compliant in-region.
India · Zoho Books
Zoho's home turf — and the connector's deepest integration, taking invoices all the way from capture through posting to bank reconciliation.
Deployment commitments
- Line items, taxes, and PO references are extracted and matched; new or unrecognized vendors always enter an onboarding review.
- Reviewer response time is agreed at onboarding so approvals do not sit past an invoice due date.
- PayIQ runs inside your AWS account. AI spend is capped in the stack, invoices queue if AI is unavailable, and wrongly posted invoices have a reversal workflow.
- A bank-detail change is verified out of band and the guard cannot be configured off.
The architecture
A defined path from intake to decision
- 01
Ingest
- 02
Extract and score
- 03
Guard vendor details
- 04
Post and reconcile
Let your team review exceptions, not type invoices.
Tell us which ERP you run and what your invoice volume looks like — we'll walk you through exactly how PayIQ would handle it.