The Vision Behind Stack2Pay: Independence, Simplicity, and Full Liquidity Control
Stack2Pay was created to free small and medium-sized enterprises (SMEs) from tedious manual bank entries and expensive, locked ERP banking modules.
💡 Why Stack2Pay?
Across Europe and the world, business owners, accountants, and finance managers waste precious hours each month keying in IBANs, bank codes, and reference numbers one by one into online banking portals — or paying exorbitant monthly fees for cumbersome ERP bank integrations.
Stack2Pay serves as an independent, lightweight bridge: simply forward vendor bills to your private Stack2Pay email address or drop them into the workspace. Our AI extracts payment and creditor data in seconds and compiles them into a pending stack. Whenever you are ready to pay, generate a unified, audit-proof ISO 20022 XML file (pain.001.001.03) that imports seamlessly into corporate banking portals worldwide (Nordic banks, SEPA, HSBC, BNP Paribas, Deutsche Bank, and more).
⏱️ Liquidity Timing & Flexible Due Dates
In real-world business management, cash flow timing is critical. Sometimes you need to delay a payment until incoming client receivables clear, or you might disagree with an invoice item and want to issue a partial payment:
- Flexible Execution Dates: Use our quick selectors (+5, +10, +15, +30 days or custom calendar date) to postpone payment execution directly in your batch before creating the file.
- Adjust Disputed Amounts: If an invoice has a disputed fee or pending credit note, edit the amount in the table so your bank file pays exactly what you approve.
Banks execute transactions on the exact requested execution date (ReqdExctnDt) defined per invoice. You maintain 100% control over company liquidity at all times.
🔒 100% Confidentiality & Zero Unnecessary Data Storage
Financial invoices must be handled with paramount privacy and compliance. Stack2Pay adheres strictly to EU GDPR and data minimization:
- Ephemeral Guest Sessions: When using Stack2Pay as a guest, invoices are parsed in encrypted RAM on EU servers and wiped immediately once your XML file is generated.
- Full Retention Control: Authenticated users set their own data retention period (from 30 days to 1 year), with one-click permanent deletion of any invoice.
- No Data Selling or Model Training: Your private financial invoices are never used to train external AI models or shared with third parties.