AppZen

Automates invoice work from intake to OK-to-pay, helping AP teams reduce manual processing and focus on exceptions and higher-value work.

Automates supplier email workflows and responses, helping AP teams resolve inquiries faster, prevent payment risks, and maintain visibility without disrupting existing processes.

Automates electronic invoice processing and validation to help customers meet global e-invoicing and tax requirements.

Reviews expenses before reimbursement to catch risk, improve compliance, speed approvals, and reduce manual audit work.

Automates VAT extraction, eligibility reviews, and evidence follow-up to help teams recover more VAT with less manual work and lower reclaim costs.

Automates card transaction reviews and routine exception resolution while giving finance teams visibility and control across existing card programs.

Automates finance workflows, enforces company policies, and provides spending insights while keeping teams in control of decisions.

Turns finance procedures into governed AI Agents that handle repetitive work and help teams focus on strategic priorities.

Helps finance teams build tailored, AI-powered workflows quickly without coding or waiting for IT.

Helps finance teams uncover spend trends, improve compliance and workflows, and share actionable insights for better business decisions.

Automates VAT extraction, eligibility reviews, and evidence follow-up to help teams recover more VAT with less manual work and lower reclaim costs.

Autonomous AP

AppZen Autonomous AP uses AI Agents to automate the invoice lifecycle, from capture and validation through coding, purchase order matching, approval routing, and OK-to-pay. It processes invoices from email inboxes, scans, and other document formats across languages, learns from historical data and team feedback, and adapts to business policies and workflows. The solution checks invoices for duplicates, fraud, tax requirements, and global e-invoicing compliance, while connecting with existing ERP and finance systems.

Category: Accounts Payable Automation Software

• Automate Invoice Processing End To End
  Automates steps across the invoice-to-pay workflow so AP teams can spend less time on routine processing and more time handling exceptions.
• Capture And Validate Invoice Data
  Reduces manual data entry by extracting and checking invoice details across formats and languages, including documents received through AP email inboxes.
• Assign GL Codes Automatically
  Uses the organization's coding history and chart of accounts to code invoices, reducing repetitive manual coding work.
• Match Invoice Lines To Purchase Orders
  Handles complex invoice-to-PO matching and exceptions to reduce manual matching work and support accurate processing.
• Detect Duplicates And Flag Risk
  Flags potential duplicate invoices and other risky transactions before payment so teams can review issues earlier.
• Route Invoices To The Right Approver
  Uses invoice details and business policies to direct approvals through the appropriate workflow.
• Check Invoices Against Global Requirements
  Applies country-specific e-invoicing, VAT, and tax checks to support compliance across jurisdictions and languages.
• Adapt Processing To Team Feedback
  Uses historical information and team feedback to reflect an organization's processes in invoice handling and coding.
• Connect Invoice Workflows To Existing Systems
  Supports invoice processing within existing financial systems and workflows.
• Record Decisions And Applied Policies
  Provides a traceable record of invoice decisions, including the reasoning and policy used, to support review and audit.
• Surface AP Insights And Risks
  Helps teams explore operational and spend data, identify risks and improvement opportunities, and share findings through reports.
• Organize And Respond To AP Emails
  Reduces manual inbox work by organizing invoice-related emails, prioritizing messages, and helping draft responses.

AP Inbox Service Center

AP Inbox Service Center uses AI Agents to manage supplier email workflows, from categorizing messages and answering payment inquiries to routing tax forms and verifying account-change requests. It supports duplicate detection, statement reconciliation, and invoice-to-PO checks, with related emails, tasks, and invoice activity visible in a consolidated workspace. Teams can configure agent behavior and response handling, review or automate replies, and connect the service to Gmail or Microsoft Outlook and existing finance systems.

Category: Accounts Payable Automation Software

• Resolve Supplier Inquiries Faster
  Uses invoice and payment information to prepare timely, personalized replies, with configurable review and sending controls.
• Organize And Prioritize Supplier Emails
  Sorts incoming messages into useful categories and prioritizes them to help teams manage supplier communications.
• Catch Duplicate Invoices Early
  Identifies potential duplicate invoices and routes them for review before they result in wasted work or double payment.
• Flag Risky Account Change Requests
  Surfaces potentially fraudulent bank-change requests and sends them to Vendor Management for verification.
• Track AP Work In One Place
  Provides visibility into task status, ownership, and deadlines while keeping associated communications and documents accessible in a single view.
• Reconcile Vendor Statements Faster
  Compares statement line items with ERP records to surface discrepancies and missing credits, while automating related payment status responses.
• Validate Invoices Against POs
  Confirms valid purchase orders and returns non-compliant invoices to suppliers.
• Tailor Email Automation To Your Workflows
  Adjusts agent behavior and response controls to fit established AP processes while retaining oversight of automated communications.
• Connect Existing Email And Finance Systems
  Works with existing email inboxes and connects with finance systems through CSV uploads.
• Route W-9 Forms To AP Teams
  Identifies tax forms and sends them into compliance workflows for the appropriate AP team.
• Improve AP Visibility Without Disruption
  Centralizes invoice activity and communications while retaining the existing AP workflow.

E-Invoicing

AppZen E-Invoicing captures and processes electronic invoices, including XML attachments received by email, and extracts invoice and vendor details such as tax IDs, addresses, tax rates, and VAT registration numbers. It validates invoices against country-specific tax authority requirements, e-invoicing mandates, and tax regulations, and flags non-compliant invoices with notifications to finance teams and suppliers. The solution supports compliant e-invoice issuance and receipt, offers certified PEPPOL Access Point capabilities, and connects with Autonomous AP to support processing through approval and transfer to financial systems.

• Validate Invoices Against Local Requirements
  Checks invoices against applicable country-specific mandates and tax requirements to help customers maintain compliance as regulations change.
• Capture And Process XML Invoices
  Automatically processes emailed XML invoices and extracts key invoice and vendor data, reducing manual handling.
• Exchange Invoices Through PEPPOL
  Enables compliant electronic invoice exchange across the PEPPOL network through certified access point capabilities.
• Connect Validation To Invoice Approval
  Connects XML invoice validation with the Autonomous AP workflow so invoices can move through approval and into the financial system.
• Flag Issues And Notify Stakeholders
  Identifies invoices that do not meet compliance requirements and alerts finance teams and suppliers.
• Issue And Receive Compliant E-Invoices
  Supports the issuance and receipt of electronic invoices in line with country-specific mandates.

Expense Audit

AppZen Expense Audit uses AI Agents to review every expense report, receipt, and line item in real time before reimbursement. It checks submissions against company policies, merchant data, historical spending, and regulatory requirements to identify errors, suspicious activity, duplicates, and non-compliant expenses. Agents can auto-approve low-risk expenses, reject claims, request documentation, or route exceptions to reviewers. The product supports expense auditing across 42 languages and 97 countries, provides analytics and configurable workflows, and integrates with existing expense management systems without replacing the system of record.

• Audit Every Expense Before Reimbursement
  Provides coverage of every report, receipt, and line item before payment, helping teams identify issues that sample-based reviews may miss.
• Enforce Policies Across Expense Submissions
  Surfaces policy violations before reimbursement so finance teams can address non-compliant expenses and apply controls consistently.
• Flag Suspicious And Potentially Fraudulent Spend
  Surfaces suspicious patterns and unauthorized spending before reimbursement so reviewers can focus on potentially fraudulent or high-risk expenses.
• Resolve Routine Expenses And Route Exceptions
  Automates defined actions and sends exceptions to the appropriate reviewer, reducing manual triage while preserving human review when needed.
• Verify Receipt Authenticity Before Payment
  Checks receipts for authenticity concerns, including generated or altered documents, and records the reasoning behind decisions.
• Catch Duplicates Across Reports And Spend
  Finds repeated claims across reports and transactions, including near-duplicates identified through receipt content analysis.
• Apply Compliance Checks Across Countries
  Supports multinational expense review with original-language receipt reading and checks for country-specific regulatory requirements and formats.
• Validate Expense Details And Required Documents
  Applies targeted checks to specific expense types, receipt details, transactions, and supporting documents to identify inconsistencies and requirements that need attention.
• Configure Agents To Follow Your Procedures
  Lets finance teams adapt automated review to their policies and operating procedures without IT intervention.
• Analyze Spend And Identify Policy Improvements
  Provides insights into spending patterns and compliance, with recommendations that can inform policy updates and employee coaching.
• Trace Decisions And Applied Policy
  Provides a searchable record of decisions, their reasoning, and the policy version applied for historical review.
• Connect With Existing Expense Systems
  Adds audit coverage and analysis to existing expense management systems without replacing the system of record.

VAT Reclaim Agents

AppZen VAT Reclaim Agents automate VAT recovery work for finance and tax teams, from reading receipts and determining reclaim eligibility under country-specific laws to collecting missing evidence and delivering posting-ready data. Agents extract VAT details, contact employees or suppliers when information is missing, and document the rules and evidence behind each decision. Teams can customize pre-built, country-specific procedures, while specialists focus on exceptions. The Agents support employee expenses and supplier invoices, including checks for hotel stays and each travel leg, and provide reporting on recoverable VAT by decision and country.

• Determine Eligibility Under Local Tax Rules
  Applies country-specific tax rules to identify eligible VAT and reduce the need for manual review of each expense.
• Extract VAT Details From Receipts
  Agents pull VAT information directly from receipts and transaction data, reducing the need for employees to enter tax details.
• Collect Missing Documents And Information
  Follows up with employees and suppliers to obtain missing invoices, receipts, or other information needed for VAT claims, then validates what they provide.
• Trace Decisions To Rules And Evidence
  Enables teams to review the rules and supporting evidence behind each decision and maintain an auditable record.
• Deliver Data Ready For VAT Recovery
  Provides finance teams with posting-ready and recovery-ready data to support the reclaim process.
• Customize Procedures For Your Organization
  Teams can adapt country-specific procedures to fit their reclaim rules while specialists handle exceptions.
• Classify Recovery And Review Results
  Shows each line's recovery status and supports review of recoverability by decision and country.
• Recover VAT Across Expenses And Invoices
  Supports VAT recovery across employee expenses and supplier invoices, working with AppZen's Expense Audit and Autonomous AP products.
• Validate Hotel VAT By Line
  Checks hotel invoices against the legal entity, supplier tax ID, business purpose, and stay dates, then calculates reclaimable VAT for each line.
• Apply Tax Rules To Every Trip Leg
  Applies relevant rules to each domestic and cross-border leg and helps identify missing invoices before filing.
• Start VAT Recovery Within Weeks
  Pre-built templates and jurisdiction-specific procedures simplify setup so organizations can begin pursuing VAT within weeks.

Autonomous Cards

Autonomous Cards combines AppZen's corporate card auditing capabilities to review eligible card transactions as they post, apply company policies, and work exceptions toward resolution. It analyzes transaction data and receipts, flags potential policy violations and suspicious purchases, and provides visibility into spending patterns. Agents can request missing documentation, route approvals, and escalate exceptions requiring human judgment. It supports purchasing, virtual, ghost, fleet, and lodge cards, connecting to existing card feeds, banks, issuers, and card programs without requiring changes to existing arrangements. Reviews occur after transactions post and do not block purchases.

• Audit Card Transactions As They Post
  Provides timely visibility into spending and compliance issues across card programs by reviewing activity as it is posted.
• Resolve Routine Exceptions And Route Decisions
  Handles routine follow-up and approval routing while directing cases requiring human judgment to the appropriate reviewer.
• Reveal More Context Behind Card Purchases
  Combines receipt and transaction details to help teams understand purchases and assess compliance beyond a basic transaction total.
• Flag Policy Violations And Suspicious Spend
  Surfaces transactions that may require investigation, including potential compliance issues, repeat violations, and fraud.
• Connect Existing Card Programs
  Adds policy review and auditing to current card arrangements without changing bank, issuer, or card program relationships.
• Apply Policies Consistently Across Card Programs
  Configurable, version-controlled rules let organizations adapt policy enforcement to their procedures and apply it across programs.
• Analyze Card Spend And Investigate Issues
  Helps teams spot anomalies, understand spending patterns, and investigate potential issues across programs.
• Review Charges Without Blocking Purchases
  Applies review after a transaction posts without declining or blocking purchases at the point of sale, deferring uncertain decisions to an auditor.
• Consolidate Card Programs And Retain Rewards
  Brings supported existing card programs together in AppZen while keeping their reward benefits intact.

Mastermind Platform

AppZen’s AI platform for accounts payable and travel and expense automation. Mastermind runs AI Agents that interpret finance policies, gather data, make decisions, and take action on transactions, with an audit trail for each decision. Finance teams can deploy agents, build workflows without code, use pre-built finance applications, and analyze spending patterns. The platform uses finance-focused AI models to understand and classify financial documents and transactions, and teams can set procedures, autonomy limits, and when agents should ask for human help. Its pre-built application library provides installable and customizable automations for common finance scenarios, including fraud detection, compliance, and efficiency.

• Automate Complex Finance Tasks
  Agents manage multi-step finance work by gathering relevant data, applying organizational policies, and taking action on transactions.
• Set Agent Limits And Escalations
  Finance teams decide how much work Agents handle independently and which exceptions should be referred to people.
• Review Every Agent Decision
  Recorded reasoning and audit logs let teams inspect Agent decisions and support governance.
• Apply AI To Finance Work
  Purpose-built model capabilities support financial document processing, transaction categorization, finance communications, and analysis of process and spend patterns.
• Build Workflows Without Coding
  Teams can create finance automations from their process knowledge and SOPs without writing code or relying on IT support.
• Adopt And Customize Finance Applications
  Teams can install and customize ready-made finance applications and automations to apply best practices to common finance scenarios.
• Process Documents Across Languages
  Reads and validates data in varied document layouts and languages, supporting finance work involving invoices, receipts, statements, and other documents.
• Surface Spending Patterns And Opportunities
  Provides spending patterns and process insights to support strategic decisions and data-backed recommendations.
• Route Tasks To Suitable Models
  Assigns work to suitable models or methods while governed evaluation and feedback support improvements for finance tasks.

AI Agent Studio

AI Agent Studio helps finance teams create AI Agents from uploaded standard operating procedures or best-practice templates, without coding. Teams can refine instructions and policies, test Agents against historical or live data in a controlled environment, and benchmark results against human experts before deployment. Agents can handle routine finance work, explain and record their decisions, and escalate tasks to people when uncertain. Dashboards show cost, speed, and accuracy gains, while governance controls and audit trails support oversight.

• Build Agents From SOPs In Minutes
  Converts existing finance procedures into AI Agents, helping teams automate repetitive tasks without creating instructions from scratch.
• Configure Agents Without Coding
  Lets finance experts create and adjust Agents through a codeless setup without relying on coding or IT support.
• Test Agents Before They Go Live
  Checks Agent performance against finance data and human experts before deployment.
• Review Every Agent Decision
  Makes Agent reasoning inspectable and maintains a record of actions and outcomes for governance.
• Escalate Uncertain Tasks To People
  Routes uncertain work to teammates for review rather than requiring the Agent to proceed.
• Set Agent Limits And Autonomy
  Defines policies, thresholds, and levels of independence for each Agent, including when work should stop or be escalated.
• Refine Agents For Finance Workflows
  Adapts Agent instructions and policies to finance practices and workflows.
• Extend Agents Across Tools And Systems
  Enables Agents to gather information and carry out workflow steps beyond AppZen using listed tools and systems under SOP governance and with an audit trail.
• Protect Data Within A Secured Instance
  Keeps data siloed within the customer’s AI Agent Studio instance. Listed certifications include SOC 1 and 2 Type 2, ISO 27001, and PCI DSS.
• Track Agent Cost, Speed, And Accuracy
  Shows changes in Agent performance through cost, speed, and accuracy results.
• Start With Customizable SOP Templates
  Provides starting procedures for accounts payable or travel and expense that teams can customize.
• Adapt Agents With Team Feedback
  Uses feedback and completed work to help Agents adapt to team workflows over time.

DIY Low-Code Automation

DIY Low-Code Automation lets finance teams create and manage custom automations in minutes, from simple approvals to complex workflows, without coding or IT support. Using an intuitive interface and dropdown menus, teams can apply AI capabilities, tailor workflows to finance processes, and connect work across departments. Use cases include invoice exception handling and routing, risk-based expense approvals, and employee requests for missing information.

• Build Custom Workflows Without Coding
  Enables finance experts to turn process knowledge into workflows themselves, reducing reliance on IT.
• Automate Manual Finance Tasks
  Translates finance processes into automated workflows that teams can adapt to business requirements.
• Configure Workflows With Simple Controls
  Lets teams set up and adjust workflows through an interface designed for business users.
• Apply AI To Workflow Tasks
  Adds AI capabilities to workflows, including document understanding and context-aware invoice routing.
• Route Invoice Exceptions To Specialists
  Identifies invoice issues and directs exceptions to the appropriate reviewers.
• Automate Risk-Based Expense Approvals
  Aligns expense approval paths with spend guidelines and compliance requirements, including manager approvals for relevant payments.
• Connect Workflows Across Departments
  Coordinates processes across departments and notifies stakeholders about exceptions and approvals.
• Request Missing Information Automatically
  Asks employees for information needed to complete a process, with AI determining which details are missing.

AI Analytics

AppZen AI Analytics turns finance data into actionable intelligence through real-time interactive dashboards, natural-language questions, and customizable scheduled reports. Finance teams can explore spend patterns, savings, compliance, team productivity, and AP and expense processing metrics, then use AI-generated recommendations to improve policies and workflows. The analytics support AP, travel and expense, and corporate card visibility, and connect with existing financial systems. AppZen Coach adds expense-specific analysis of historical spend data and auditor actions, with recommendations for policy changes, audit configuration, auto-approvals, and auto-rejections, supported by dashboards and targeted email summaries.

• See Financial Performance In Real Time
  Provides current visual information that finance teams can explore to understand performance and identify areas needing attention.
• Get Insights By Asking Questions
  Lets finance teams investigate financial performance using everyday language and quickly uncover information.
• Share Scheduled Business Reports
  Communicates financial findings and business impact through tailored visual reports delivered on a schedule.
• Identify Spend Patterns And Risks
  Helps finance teams see unusual or wasteful spending, vendor issues, and emerging risks so they can investigate and respond.
• Flag Compliance Issues Early
  Surfaces potential compliance issues through monitoring and alerts, giving stakeholders the opportunity to act sooner.
• Improve Policies And Workflows
  Uses observed spending and audit decisions to recommend policy and workflow changes, including ways to automate suitable transactions and reduce manual review.
• Guide Managers With Team Insights
  Helps managers understand team spending and performance so they can focus reviews and respond to relevant patterns or risks.
• Deliver Timely Spend Insights
  Brings spending anomalies and recommendations directly to managers through targeted email summaries.
• Tailor Recommendations To Spend
  Bases recommendations on historical transactions and audit decisions, reflecting both stated policies and how the team applies them.
• Connect Analytics To Existing Systems
  Supports analytics using existing financial systems as the source of truth.
• Control Access To Sensitive Reports
  Allows organizations to manage access to data and reports so sensitive financial information is available only to authorized users.

VAT Reclaim Agents

AppZen VAT Reclaim Agents automate VAT recovery work for finance and tax teams, from reading receipts and determining reclaim eligibility under country-specific laws to collecting missing evidence and delivering posting-ready data. Agents extract VAT details, contact employees or suppliers when information is missing, and document the rules and evidence behind each decision. Teams can customize pre-built, country-specific procedures, while specialists focus on exceptions. The Agents support employee expenses and supplier invoices, including checks for hotel stays and each travel leg, and provide reporting on recoverable VAT by decision and country.

• Determine Eligibility Under Local Tax Rules
  Applies country-specific tax rules to identify eligible VAT and reduce manual review.
• Extract VAT Details From Receipts
  Agents pull VAT information directly from receipts and transaction data, reducing the need for employees to enter tax details.
• Collect Missing Documents And Information
  Follows up with employees and suppliers to obtain missing invoices, receipts, or other information needed for VAT claims, then validates what they provide.
• Trace Decisions To Rules And Evidence
  Enables teams to review the rules and supporting evidence behind each decision and maintain an auditable record.
• Deliver Data Ready For VAT Recovery
  Provides finance teams with posting-ready and recovery-ready data to support the reclaim process.
• Customize Procedures For Your Organization
  Teams can adapt country-specific procedures to fit their reclaim rules while specialists handle exceptions.
• Classify Recovery And Review Results
  Shows each line's recovery status and supports review of recoverability by decision and country.
• Recover VAT Across Expenses And Invoices
  Supports VAT recovery across employee expenses and supplier invoices, working with AppZen's Expense Audit and Autonomous AP products.
• Validate Hotel VAT By Line
  Checks hotel invoices against the legal entity, supplier tax ID, business purpose, and stay dates, then calculates reclaimable VAT for each line.
• Apply Tax Rules To Every Trip Leg
  Applies relevant rules to each domestic and cross-border leg and helps identify missing invoices before filing.
• Start VAT Recovery Within Weeks
  Pre-built templates and jurisdiction-specific procedures simplify setup so organizations can begin pursuing VAT within weeks.