AP use case · Payables

PO or no PO,
one governed pipeline.

PO invoices need matching; non-PO invoices need judgment. Most tools do one well. Finnoto runs both through the same capture and control pipeline - 3-way match where a PO exists, policy-driven coding and approvals where it doesn't.

Invoice pipeline

Matched by system
or routed by policy.

Invoice pipeline · today 96 documents
71
PO invoices → 3-way matched
25
Non-PO → policy-coded & routed
6
Exceptions with humans
InvoiceTypeCodingStatus
Acme · INV-2290PO 4118Auto · from PO3-way matched · queued
WeWork · NOV-88Non-PORent · CC-AdminPolicy-coded · Finance head
AdBurst · 4412Non-POMarketing · CC-Growth! Over policy band → CFO
Non-PO policy engine
GL and cost centre inferred from vendor history + description; approval chain from amount × category × department matrix - no tribal knowledge required.
Maverick-spend watch
Non-PO share by category trended monthly - repeat non-PO vendors flagged for contract or PO discipline.
one audit trail across both flows · every touch logged · ERP receives clean coded entries

Illustrative product behaviour - values shown are examples.

Why it's hard today

Non-PO spend is where
process quietly disappears.

PO invoices at least have a reference to check. Non-PO invoices - rent, utilities, marketing, professional fees - arrive with nothing but a claim.

Coding by memory

Which GL, which cost centre, whose budget? When coding lives in one accountant's head, month-end reclassification becomes a ritual.

Approval by convenience

Without an amount-and-category matrix, non-PO invoices get approved by whoever answers email fastest - and audit asks why.

Maverick spend compounds

Every non-PO invoice is spend that skipped procurement. Untracked, the share grows until contracts and budgets mean little.

The Finnoto difference: non-PO doesn't mean non-governed - policy coding, approval matrices and budget checks give judgment spend the same audit trail as matched spend.
How Finnoto runs it

Two flows in,
one control out.

1
Capture everything
96%+ field accuracy across PDFs, scans, spreadsheets and photos - PO and non-PO classified automatically.
2
Match what has a PO
3-way match to PO and GRN at line level; price and quantity variances within tolerance auto-pass.
3
Police what doesn't
GL/cost-centre inference, policy-band approvals, budget checks and duplicate screening for non-PO spend.
4
Post clean
Both flows land in the ERP fully coded, approved and audit-trailed - no month-end recoding.
FAQ

Frequently asked questions

How accurate is invoice capture really?

Field-level extraction runs 96%+ on typical Indian invoice formats; low-confidence fields route to a human with the document side-by-side, so errors get caught at entry, not at audit.

How does GL coding work for non-PO invoices?

From vendor history, description understanding and your chart-of-accounts rules - suggested automatically, confirmable in one click, learned from corrections.

Can tolerance bands be configured?

Yes - price and quantity tolerances by category or vendor; within-band variances flow through, outside-band ones create exceptions with the delta highlighted.

Give every invoice the same discipline.

Matched or judged - but always governed.

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