Independent B2B payment automation: Freedom from manual banking entry and costly ERP tolls

💡 The Problem: The Disproportionate Burden of Accounts Payable

Every single month, thousands of finance managers, business owners, and bookkeepers face the exact same friction when paying company bills:

• Error-prone manual data entry: Manually keying creditor IBANs, recipient names, payment reference codes, and amounts into online banking portals wastes hours and introduces a constant risk of payment rejections and misdirected funds.
• Expensive and locked ERP bank modules: Established accounting platforms (such as Sage, Exact, e-conomic, SAP, or QuickBooks) regularly charge 30 to 80 EUR every month just to unlock bank file exports or direct bank synchronizations — atop hefty onboarding and transaction fees.

Stack2Pay eliminates this trade-off: We provide an independent bridge between incoming vendor invoices and your corporate bank portal. Simply forward bills to your private Stack2Pay address or drop files into the workspace. Stack2Pay extracts payment data automatically, organizes them into a clean pending queue, and exports a certified ISO 20022 XML file (pain.001.001.03), ready for instant batch execution in corporate online banking.

🇪🇺 Built for Europe: Universal Standards & National Formats

Stack2Pay is engineered from the core to master the diverse payment standards across Europe's leading commercial markets:

• Germany: SEPA Credit Transfers with structured Verwendungszweck remittance references, EPC QR-Codes (GiroCode), German IBAN/BIC, and compatibility with ZUGFeRD and XRechnung e-invoicing formats.
• United Kingdom: Automatic extraction of domestic Sort Code (6 digits) and Account Number (8 digits) for Faster Payments and BACS transfers, alongside UK IBANs (GB...).
• France: Full parsing of the French RIB (Relevé d'Identité Bancaire) elements (Code Banque, Code Guichet, Numéro de Compte, Clé RIB) and French IBAN (FR...) alongside Factur-X references.
• Italy: Italian IBANs with CIN (Codice Identificativo Nazionale), Codice Destinatario / PEC for SDI (Sistema di Interscambio / FatturaPA), and CIG/CUP procurement codes.
• Poland: 26-digit Polish NRB accounts and Polish IBANs (PL...), with full accommodation for the Split Payment Mechanism (MPP – Mechanizm Podzielonej Płatności) for mandatory VAT segregation.
• Nordics & Switzerland: Danish FIK slips (+71, +04, +15, +73), Norwegian KID codes, Swedish Bankgiro/PlusGiro, and Swiss QR-Bills.

All payments are packaged into the universal ISO 20022 pain.001.001.03 format with verified checksums, accepted by all major commercial institutions: Deutsche Bank, BNP Paribas, Commerzbank, ING, HSBC, SEB, Danske Bank, Nordea, and any bank adhering to European Payments Council (EPC) guidelines.

⏱️ Working Capital & Liquidity: Pay On Time, On Your Terms

Timing cash flow is fundamental to maintaining financial resilience. Stack2Pay gives finance teams surgical control over when liquidity leaves the company:

• One-click due date shifting: Postpone any supplier disbursement by +5, +10, +15, or +30 days, or set a precise calendar date directly in the interface.
• Execution only on the designated date: When the XML file is uploaded to your online bank, the bank only releases funds on the specific due date assigned to each invoice. You can approve a full month of bills today without draining cash reserves prematurely.
• Partial payments and dispute resolution: Deduct a credit memo or disputed line item by editing the amount directly in your stack before compiling the XML file.

🔒 Enterprise Security, Data Minimization & EU Privacy

Financial documents demand absolute discretion. Stack2Pay is engineered from the ground up on the principle of Security and Privacy by Design:

• Isolated EU-only processing: All document parsing occurs within strictly encrypted environments hosted inside the European Union in full compliance with GDPR Article 28.
• Volatile RAM processing for guests: Guest uploads exist exclusively in ephemeral server memory and are purged permanently the millisecond your XML file is compiled.
• User-configured retention lifecycles: Registered users choose their preferred retention window (30, 90, 180, or 365 days) and retain the power to permanently wipe individual invoices or entire monthly archives with a single click.
• Zero AI model training: Your bookkeeping records and invoices are strictly isolated and never shared with third parties or fed into machine learning models.