Get Paid on Every Invoice

Q: Is this a real product?

No, it’s a design concept from Tubik Studio. This site is an experiment in designing and coding a full website with Claude Code.

Factura’s agent drafts, chases and matches payments within your limits

Request beta

See who owes you, and when they will pay

Open, overdue and paid invoices in one list. The agent reads each client’s payment history and tells you when to expect the money, and which invoices are likely to slip.

Invoices

Open
$61,400.00
8 invoices
Overdue
$9,450.00
2 invoices
Paid, last 30 days
$118,970.00
17 invoices

Invoice	Client	Due	Expected Factura Agent	Amount	Status
INV-2051	Tessellate Cloud	Nov 14	Nov 12likely	$18,750.00	Sent
INV-2050	Brightwater Co-op	Nov 6	Nov 14at risk	$4,150.00	Viewed
INV-2048	Northwind Freight	Nov 1	Oct 29likely	$12,480.00	Viewed
INV-2047	Halden & Co	Nov 8	Nov 7likely	$2,900.00	Sent
INV-2046	Corvid Analytics	Oct 27		$9,800.00	Paid
INV-2045	Brightline Health	Nov 4	Nov 5likely	$7,640.00	Viewed
INV-2044	Marlow Logistics	Oct 23	Nov 10at risk	$6,300.00	Overdue
INV-2043	Okafor Architects	Nov 20	Nov 18likely	$5,280.00	Viewed
INV-2042	Sable & Finch Legal	Nov 16	Nov 24at risk	$6,900.00	Sent
INV-2041	Juniper Dental Group	Oct 17	Oct 30promised	$3,150.00	Overdue
INV-2040	Pinecrest Veterinary Partners	Nov 3	Nov 3likely	$3,300.00	Viewed

Updated 2 min ago11 of 27

In the beta since March 2026

“We stopped writing reminders. The agent drafts them, I approve the ones over $5,000, and our largest client now pays before the due date.”

Tomás Ferreira · Head of Finance, Kestrel

Every invoice, Jan–Sep 2026 · days from sending to payment

Jan–Mar · by hand: 40days, median
Apr–Sep · agent reminders: 30days, median
Over 45 days · Apr–Sep: 1invoice, down from 10

Over 45 days

Reminders by hand · 50 invoicesAgent reminders from Apr 6 · 103 invoices

Shown with Kestrel’s permission; client names removed. Across the beta, invoices with agent-drafted reminders were paid in a median 31 days, down from 37 for the same clients in the six months before. Based on 2,140 invoices. Figures as of October 2026.

One invoice, start to finish

Create, send, get paid: the agent does the work in each step, within the limits you set.

Line items, tax and terms, with your logo and colors already on it.

Factura AgentOct 2

Read

Order form OF-2291
SOW-114
INV-1975

Drafted 3 lines

Platform subscription, Q4 · 40 seatsOrder form §2$8,400.00
Implementation and data migrationSOW §4.1$3,480.00
Priority support, OctoberSame as September$600.00

Checked

Amounts match the SOW
October support not billed twice
Bank details unchanged

Waits for you

Add Northwind’s PO number

Their AP needs a PO on invoices over $10,000. None in the SOW or the order form.

PO number

Adds the PO and moves it to Send.

Factura AgentOct 2

Prepared

Toap@northwindfreight.com
CcMarcus Bell
AttachedINV-2048.pdf · W-9.pdf

Checked

AP address paid the last 6 invoices
PDF matches the approved draft
Pay link takes bank transfer and card

Waits for you

Send to Northwind Freight

It goes out in your name.

INV-2048 from Kestrel · $12,480.00 due Nov 1

Hi Marcus, here is INV-2048 for the Q4 platform, the data migration and October support. You can pay by bank transfer or card from the link.

Sends Northwind the link and the PDF.

Factura AgentOct 28

Predicted

ExpectedPaid the last 6 invoices 2–4 days earlyOct 29 · likely

Drafted

Reminder, 2 days before due9:10, because Northwind’s finance team answers most email between 9 and 10.Oct 30, 9:10

Waits for you

Approve the heads-up

It is over your $5,000 auto limit.

INV-2048 is due on Sunday, Nov 1

Hi Marcus, a quick note that INV-2048 for $12,480.00 is due this Sunday. The payment page is the same one your team used for the July invoice.

Sends Oct 30, 9:10; stops if paid.

One link to pay the invoice

Your client’s AP team gets one page: the invoice with its PO and W‑9, and bank details for an account that is theirs alone. The transfer arrives already matched. Questions about a line go to the agent, which answers from the contract and order form you shared.

From: Kestrel · billing@kestrel.com
To: ap@northwindfreight.com
Subject: INV-2048 · $12,480.00 due Nov 1

INV-2048 is attached with PO‑55120 and our W‑9. Pay by bank transfer or card from the invoice page.

Opens the page below

Kestrel

Invoice from

$12,480.00

Due Nov 1, 2026 · Net 30Due in 1 day

Invoice: INV-2048
PO number: PO-55120
Billed to: Northwind Freight

Platform subscription, Q4 · 40 seats: $8,400.00
Implementation and data migration: $3,480.00
Priority support, October: $600.00
Total: $12,480.00

Factura Agent

for Kestrel

I answer from the contract and order form Kestrel shared, and pass anything else to their team. Ask about any line, the terms or how to pay.

Pay by bank transfer

Send $12,480.00 from your bank or AP system.

ACHWireCard

Beneficiary: Kestrel Inc.
Bank: Lakeshore Trust, N.A.
ACH routing: 084106729
Account: 4410 2093 3305
Reference: INV-2048

ACH arrives 1–2 business days, usually free.

Verified account, unique to Northwind

Every payment matched, with the reason why

The agent reads bank transfers, remittance emails and card payouts and matches each payment to its invoice.

Above your 95% match limit, the match goes to your ledger with the three sources it rests on.

Incoming paymentsPosted on its own

Northwind Freight · INV-2048

Oct 29, 10:42

$12,480.00

NORTHWIND FREIGHT LLC · ACH · “Q4 platform”Bank · Payer seen 6 times before$12,480.00
Marcus Bell: “Payment for INV-2048, PO-55120”Remittance email · Names the invoiceINV-2048
INV-2048 · due Nov 1Invoice · Amount is exact$12,480.00

Agent98%Above your 95% match limit, so the agent posted it

Posted to your ledger

1010 · CashDr $12,480.00

1200 · Accounts receivableCr $12,480.00

Posted on its own. Undo opens INV-2048 again.

Marlow Logistics · INV-2044

Oct 29, 11:05

$5,700.00

MARLOW LOGISTICS · ACH · “INV-2044”Bank · Reference names the invoice$5,700.00
Teresa Lin: “Payment for INV-2044”Remittance email · No deduction namedINV-2044
INV-2044 · due Oct 23Invoice · $600.00 short$6,300.00

Agent99%The right invoice, $600.00 short, so it waits for you

Settle the $600.00

Request the $600.00 balance
Write off $600.00
Keep INV-2044 open

Drafts the email for you to send.

What the agent reads, and where it posts

Bank feeds. Transfers and their references from business accounts in the US, UK and EU.
Remittance email. Forward them to one address and the agent reads the invoice and PO numbers in each.
Card payouts. Each settlement split into gross, fee and net, the fee posted to its own account.
Ledger. Matches post as entries in your accounting software, and an undo reverses them there too.

The agent works inside limits you set

You choose the mode, the auto limit and the match limit. Factura sets the rest: invoices and short payments always wait for a person, and a few things the agent never does.

Set by Factura
On its own
Nothing here reaches your client.
- Draft invoices
- Predict when each client will pay
- Read bank feeds and remittance emails
Set by you
Up to you
In Suggest, these wait for you. In Auto, they go out on their own within your limits.
- Send remindersWaits for you
- Post a matchWaits for you
Agent modeSuggestAuto
Set by Factura
Always waits for you
Invoices, emails to a client’s controller and short payments, in any mode.
- Send an invoice
- Write to a client’s controller
- Settle a short payment
Set by Factura
Never
Only your team can do these, in any mode.
- Change bank details
- Move money

Security and access

The controls a security review asks about.

Roles and approvals
Owner, finance, sales and viewer. Invoices above an amount you set wait for a second sign-off.
Audit log
Every send, match and change with who did it and who approved it. Export it for your auditors.
Single sign-on and 2FA
SAML single sign-on with your identity provider, two-factor authentication for everyone.
Encrypted in transit and at rest
TLS on every connection, AES-256 on every record. Your data never trains shared models.

Create and send invoices from code

Create invoices from your billing system or ERP. They follow the same rules as the ones your team writes: approvals, your auto and match limits, and the audit log. Signed webhooks tell you when each one is opened, paid and matched.

Same approvals
Every invoice waits for a person, however it was created. Over your sign‑off amount, it waits for a second one.
Safe retries
Send an idempotency key and a repeated request never creates a second invoice.
Test mode
Sandbox keys and test payments that never move money.

send-invoice.jsNode.js

import Factura from "@factura/node";

const factura = new Factura(process.env.FACTURA_SECRET_KEY);

const invoice = await factura.invoices.create({
  customer: "cus_8fK2pQx7LmN4",
  currency: "usd",
  days_until_due: 30,
  lines: [
    { description: "Platform subscription, Q4 · 40 seats",
      quantity: 40, unit_amount: 21000 },
    { description: "Implementation and data migration",
      quantity: 1, unit_amount: 348000 },
    { description: "Priority support, October",
      quantity: 1, unit_amount: 60000 }
  ]
}, { idempotencyKey: "northwind-q4-2026-10" });

await factura.invoices.send(invoice.id);
// → { number: "INV-2048", status: "awaiting_approval" }

// Webhooks, as it goes:
// invoice.approved → { by: "Dana Ruiz", role: "finance" }
// invoice.paid → { amount: 1248000, method: "ach" }
// match.posted → { confidence: 0.98, posted_by: "agent",
//   reasons: ["amount_exact", "payer_seen", "remittance_email"] }

What finance teams ask

Asked most often before a team joins the beta.

What does it cost to get paid?

Nothing during the beta. After launch, card payments cost 2.7% + 25¢ and bank transfers 0.5%, capped at $10 per payment. You can pass card fees on to the client, invoice by invoice.

Do my clients need an account to pay?

No. Every invoice comes with its own payment page. Clients pay by bank transfer into an account of their own, or by card, without signing up.

Does Factura work with my accounting software?

Yes. Invoices, payments and fees sync both ways with your accounting software, and matched payments post to the right accounts. Everything else exports to CSV.

Can the agent send anything without me?

Not unless you allow it. The agent starts in Suggest mode: it drafts invoices and reminders and waits for your approval. An owner can switch on Auto for reminders under your auto limit. It can never change bank details or settle a short payment.

What happens when the agent isn’t sure?

It asks. A match below your match limit, a short payment or an unclear reply from a client goes to your queue with the reason, and nothing is posted until you decide. Anything it did can be undone from the audit log.

Is this a real product?

No, it’s a design concept from Tubik Studio(opens in a new tab). This site is an experiment in designing and coding a full website with Claude Code.

Join the Factura beta

We open the beta to finance teams in small batches. The agent starts in Suggest mode.

Get Paid on Every Invoice

See who owes you, and when they will pay

Invoices

Customer story: Kestrel

One invoice, start to finish

One link to pay the invoice

Every payment matched, with the reason why

Northwind Freight · INV-2048

What the agent reads, and where it posts

The agent works inside limits you set

On its own

Up to you

Always waits for you

Never

Security and access

Roles and approvals

Audit log

Single sign-on and 2FA

Encrypted in transit and at rest

Create and send invoices from code

Same approvals

Safe retries

Test mode

What finance teams ask

What does it cost to get paid?

Do my clients need an account to pay?

Does Factura work with my accounting software?

Can the agent send anything without me?

What happens when the agent isn’t sure?

Is this a real product?

Join the Factura beta