Customer payments are matched to the right invoices the day they land

Each bank credit is matched to open invoices in SAP using the customer's payment advice, with TDS and deductions worked out. Your team settles the differences.

Used day to day by
  • Receivables team
  • Financial controllers

How it runs with AI

The AI picks up each credit as it reaches the bank, finds the customer's payment advice in Outlook and matches the payment to open invoices in SAP. TDS and debit notes are worked out line by line. Receipts it can explain to the rupee are posted the same day, and the rest reach the receivables team with the difference spelled out.

How it is done today

Each morning someone downloads the statement for each bank account and goes through the credits one by one. A narration usually carries just the customer's name, so they search Outlook for the payment advice, work out the TDS and any deductions, and post the receipt in SAP. Payments with a bare narration wait days to be applied, so customers who have already paid still get reminders.

Step by step

Where the work happens, what the AI does, and where it hands over to a person.

  1. Step 1, AI

    Picks up each new credit from every bank account you collect into

    Needs to know: Collection accounts in scope

    In Bank statements

  2. Step 2, AI

    Finds the customer's payment advice in Outlook and reads it

    Needs to know: Customer email addresses, Payment advice formats

    In Outlook

    Exception to step 2

    Proposes a match by amount and emails the customer for the advice

  3. Step 3, AI

    Matches the payment to open invoices in SAP and explains each difference

    Needs to know: Approved deduction rules, Quality rejection records

    In SAP S/4HANA

  4. Step 4, AI

    Posts the receipt in SAP and leaves the difference open

    Needs to know: Auto-posting rules

    In SAP S/4HANA

  5. Step 5, Person

    Settles each flagged deduction with the customer

    In SAP S/4HANA , Outlook

What stays with a person

  • Settles each flagged deduction with the customer

Apps in this example

  • Bank statements
  • Outlook
  • SAP S/4HANA

The same flow works with the apps you use.

This fits you if

  • You receive more than 500 customer payments a month
  • Most customers pay by NEFT or RTGS and email a payment advice
  • Your customers deduct TDS or debit notes from what they pay
  • You collect into more than one bank account or entity
  • Receipts are posted in SAP S/4HANA by hand today

What to watch for

  • The AI posts a receipt when it can explain every rupee, using the TDS and deduction rules your team has approved. Everything else waits for a person
  • Accepting a debit note, raising a credit note or writing off a balance stays with your team
  • The AI keeps a list of each customer's TDS deduction to check against Form 26AS
  • Run it alongside your team for the first month and compare its matches with theirs before it posts on its own
  • The AI reads bank statements with read-only access. Moving money stays with your treasury team

Read more

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