01 — Comparison guide · 2026

Accounts payable software in the Netherlands: a comparison guide (2026)

Blue10, Basecone, Zenvoices, TriFact365, Elvy, WhiteVision, ScanSys, Continia, Klippa (Doxis) and Medius compared: three generations of technology, features, prices, and who each tool is right for.

JR Jeroen Ruigrok Co-founder · Claridy

Invoice processing software reads purchase invoices, proposes the booking, handles approval and posts to your ERP or accounting package. Search for it and you find dozens of options that all promise the same thing, plus a handful of comparisons written by the vendor that ranks itself first. This guide does it differently: per tool, what it demonstrably does well, where it stops, and who it is right for. Also known as AP software or, in the broader sense, P2P software (procure to pay).

The short answer

The short answer for anyone choosing quickly. On Twinfield through your accountant: Basecone. On Exact with a small team and clean invoices: Blue10, Zenvoices or TriFact365. On Business Central: Continia. A construction company on 4PS (the construction ERP built on Business Central): WhiteVision. If you have your own finance team, purchase orders, multiple entities or a mailbox that eats time every day: then you are not buying a scanning tool but an intelligent action layer that also does the work after scanning, and that is the category Claridy plays in.

02 — The landscape

What is actually for sale? Four categories

Ask an AI assistant or an advisor about invoice processing software and you get names from four different categories mixed together. They solve different problems.

01 — Scan and recognise

Scanning software alongside your accounting package

Blue10, Basecone, Zenvoices, TriFact365, Elvy, WhiteVision, ScanSys, Continia, Klippa (now Doxis).

Reads the invoice, proposes a booking, routes for approval, posts. This is what most people mean, and what most listicles compare. Note that your ERP often carries part of this layer already: Exact offers its own Scan & Herken service, NetSuite has Bill Capture, Dynamics 365 Finance has Microsoft's own AI-based Invoice Capture, and Business Central has native e-invoicing (E-Documents, so UBL and Peppol intake is in the product) but no full scanning layer; Continia fills that gap as the de facto standard, delivered through your BC partner.

What still lands on your desk

Everything after recognition.

02 — Spend

Spend platforms

Payhawk, Moss, Visma Spend Cloud.

Company cards, expenses and invoices in one environment. Strong if spend management is your real problem.

What still lands on your desk

The accounts payable administration itself; invoice processing is often a side feature. You know the scenario: cards and expenses run smoothly, while the purchase invoices sit in a separate mailbox next to them. Start here because the spend problem shouted loudest, and you buy a second tool for accounts payable later anyway.

03 — Enterprise

Enterprise AP suites

Medius, Basware, Esker.

Matching, workflow and compliance for large corporations, with implementations measured in months and budgets to match.

What still lands on your desk

Nothing, functionally. Your lead time and your budget are another matter if you have no IT team of your own. The rule of thumb: you need a suite once your purchasing process itself is formal, with a procurement department, contract management and multiple approval layers per country. If that does not sound like you, you are mostly buying implementation.

04 — Action layer

The intelligent action layer

Claridy.

The newest category, where Claridy plays: not a scanning layer in front of your ERP but a layer that executes the work after it, doing 80 to 90 percent of the investigation, verification and booking work itself: line-level matching, resolving discrepancies and coding, across entities.

What still lands on your desk

The exception that genuinely needs judgement; it goes to your team, with the case already assembled.

The rest of this guide compares category 1 internally and puts category 4 next to it, because that is the choice mid-sized companies actually face.

03 — Under the hood

Three generations of technology

More important than the feature list is how a tool works under the hood. There are three generations, and they explain nearly every difference you read in this guide.

Generation 1

OCR with rules

The software reads text and you tell it what to do with it: a template per supplier, a booking rule per situation. Reliable and predictable, but all the thinking happens at configuration time, and every new supplier or exception means configuring again.

Blue10 · Basecone · Elvy · ScanSys · Continia

Generation 2

OCR with an AI layer on top

The same architecture, but the recognition got smarter: AI reads fields and lines better and makes better booking suggestions. The reading improved; the processing stayed rules that you configure. The AI is, quite literally, bolted on.

Zenvoices · WhiteVision · TriFact365 · Klippa · Medius (enterprise)

Generation 3

The intelligent action layer

Starts not at the reading but at the work. The system processes documents the way a colleague would: it reads without templates, understands context (that "Laptop Stand" on the invoice is the same item as "Notebook Riser" on the order), matches, resolves discrepancies, codes, and records every decision as an auditable rule. You instruct it in plain language, the way you onboard a new colleague.

Claridy

The generation determines what you can expect: generations 1 and 2 give you invoices that have been read and queued up; generation 3 gives you work done.

04 — History

Twenty years of invoice processing, in five waves

Wave 1 · the 2000s

OCR

Software learns to read text from paper. Every supplier gets a template: the invoice number goes here, the amount there. Servers in the office, licences per seat. Generation 1 is born; the names from that era (ImageCapture, Elvy, WhiteVision) still exist, and on-premise still runs here and there.

Wave 2 · the 2010s

The cloud and the accountant channel

Scanning becomes a per-document subscription tied to the accounting package, often supplied by the firm. Approving moves to your phone. UBL arrives: the invoice becomes a structured file instead of a picture, making recognition unnecessary for that stream. Basecone and Blue10 become the standard names; Wolters Kluwer buys Basecone in this era.

Wave 3 · the late 2010s

Rules, and the promise of self-learning

Machine learning genuinely improves recognition: fewer templates to maintain, better booking suggestions. Generation 2 emerges. But what is called "self-learning" is in practice mostly configuration: if supplier X, then ledger Y; if the invoice says "restaurant", then cost centre entertainment. Powerful as long as you think of everything in advance; the intelligence belongs to the administrator, not the system.

Wave 4 · from 2020

Regulation and bundling

E-invoicing becomes law instead of a feature: Belgium mandates B2B e-invoicing from 2026, Germany in phases, Peppol becomes the European standard and the Netherlands is moving the same way. Meanwhile spend platforms bundle cards, expenses and invoices, and the scanning layer consolidates: Klippa was acquired by Germany's SER in March 2025 and has carried the Doxis brand since March 2026. Consolidation is what happens to a layer once it becomes a commodity.

Wave 5 · from 2025

AI that can do the work

AI can suddenly do what twenty years of templates and rules could not: read any invoice without an example, understand context, interpret and answer a supplier email, explain a price difference. Generation 3 becomes possible, and the question shifts from "can it be read" to "may it decide". Because that is this wave's challenge: not intelligence, but reliability and auditability. A set of books has no room for a model that is usually right. Claridy's answer: the model reads, the rule decides. You describe in plain language how things should be processed; that becomes deterministic logic that runs identically every time, supervised first, with every step in the audit trail. AI where it can help, auditable where it has to be.

And wave 5 is measurably necessary. In our analysis of 21,642 Dutch finance job postings, 72.8% of invoice processing tasks are directly automatable, exactly the territory of waves 1 through 4, while work in the invoice mailbox sits at 3.9% and reconciliation at 21.1%. What the scanning layer leaves behind is the work that needs judgement.

About "self-learning", because that word does a lot of work in this market. In generations 1 and 2, self-learning means: the recognition improves. In an action layer, every correction your team makes becomes a rule: the same exception never comes back, and the rule is then executed identically every time, auditable in the trail. Self-learning in recognition is now table stakes; self-learning in processing is the difference.

05 — The comparison

The features side by side

Feature Blue10 Basecone Zenvoices TriFact365 Claridy
Technology generation 1: OCR + rules (ML in recognition) 1: OCR + rules 2: OCR + AI layer 2: OCR + AI layer 3: intelligent action layer
Scan and recognise ✓ (templates + ML) ✓ ✓ (templates + AI) ✓ (AI, line level) ✓ (AI, line level, no templates)
UBL / Peppol ✓ / ✓ ✓ / – ✓ / – ✓ / ✓ (new) ✓ / Q4 2026
Automatic coding partial (rules) partial (booking proposal) partial (rule library) partial (algorithms) ✓ (from history, learns from corrections)
Approval flows ✓ ✓ (also in the app) ✓ ✓ (incl. signing authority) ✓ (your thresholds)
PO / 3-way matching module – module – ✓ (line level, discrepancies resolved)
Supplier mailbox (AI) – – – – ✓ (sorts, answers, takes action)
Bank reconciliation – – – – ✓ (incl. remittances, partial payments, currency)
Multi-entity ✓ ✓ (via the firm) ✓ (central management) partial (per administration) ✓ (one inbox, entity recognised)
ERPs Exact, AccountView a.o. Twinfield, Exact, AccountView Exact (incl. Bouw), AFAS a.o. Exact, AFAS, Snelstart, King Exact, NetSuite, Dynamics

Cells are based on what vendors themselves publish, checked on 2026-08-11 (details and sources per tool below). "Module" means: purchased separately or only in a higher tier. Bank reconciliation is not a scanning-package feature: none of the packages in this table do it, and across the rest of this guide Continia is the only one with bank reconciliation, through a separate module inside Business Central. Zenvoices comes closest with a payment module, but that generates a SEPA file for your bank; reconciliation is the other direction.

The table above says what a package can do. The figure below says what that gets you: per vendor, the time that stays with your team after implementation, at 500 invoices a month.

Basecone73% stays with the team
How much time a month stays with the team: BaseconePer part of the accounts payable work, the time Basecone handles without a person and the time that stays with the team, at 500 invoices a month. Reading: 0.3 h of 2 h stays. Posting and coding: 1.5 h of 2 h stays. 2-way and 3-way matching: 4.4 h of 4.4 h stays. Approving and tracking: 0.9 h of 3 h stays. Investigating differences: 5.4 h of 6 h stays. Reconciling: 2 h of 2 h stays. Keeping the mailbox up: 1.1 h of 1.8 h stays. In total Basecone handles 5.6 h and 15.6 h stays with the team, 73 per cent of 21.2 h.Reading0.3 hPosting1.5 hMatching4.4 hApproving0.9 hDifferences5.4 hReconciling2 hMailbox1.1 hAUTOMATEDSTAYS WITH THE TEAMTOTAL 15.6 H / MONTH
TriFact36571% stays with the team
How much time a month stays with the team: TriFact365Per part of the accounts payable work, the time TriFact365 handles without a person and the time that stays with the team, at 500 invoices a month. Reading: 0.3 h of 2 h stays. Posting and coding: 1 h of 2 h stays. 2-way and 3-way matching: 4.4 h of 4.4 h stays. Approving and tracking: 0.9 h of 3 h stays. Investigating differences: 5.4 h of 6 h stays. Reconciling: 2 h of 2 h stays. Keeping the mailbox up: 1.1 h of 1.8 h stays. In total TriFact365 handles 6.1 h and 15.1 h stays with the team, 71 per cent of 21.2 h.Reading0.3 hPosting1 hMatching4.4 hApproving0.9 hDifferences5.4 hReconciling2 hMailbox1.1 hAUTOMATEDSTAYS WITH THE TEAMTOTAL 15.1 H / MONTH
Exact Online scan en herken69% stays with the team
How much time a month stays with the team: Exact Online scan en herkenPer part of the accounts payable work, the time Exact Online scan en herken handles without a person and the time that stays with the team, at 500 invoices a month. Reading: 0.3 h of 2 h stays. Posting and coding: 1.5 h of 2 h stays. 2-way and 3-way matching: 4.4 h of 4.4 h stays. Approving and tracking: 0.9 h of 3 h stays. Investigating differences: 5.4 h of 6 h stays. Reconciling: 1 h of 2 h stays. Keeping the mailbox up: 1.1 h of 1.8 h stays. In total Exact Online scan en herken handles 6.6 h and 14.6 h stays with the team, 69 per cent of 21.2 h.Reading0.3 hPosting1.5 hMatching4.4 hApproving0.9 hDifferences5.4 hReconciling1 hMailbox1.1 hAUTOMATEDSTAYS WITH THE TEAMTOTAL 14.6 H / MONTH
Zone & Co67% stays with the team
How much time a month stays with the team: Zone & CoPer part of the accounts payable work, the time Zone & Co handles without a person and the time that stays with the team, at 500 invoices a month. Reading: 0.3 h of 2 h stays. Posting and coding: 1 h of 2 h stays. 2-way and 3-way matching: 2.2 h of 4.4 h stays. Approving and tracking: 3 h of 3 h stays. Investigating differences: 5.4 h of 6 h stays. Reconciling: 0.6 h of 2 h stays. Keeping the mailbox up: 1.8 h of 1.8 h stays. In total Zone & Co handles 6.9 h and 14.3 h stays with the team, 67 per cent of 21.2 h.Reading0.3 hPosting1 hMatching2.2 hApproving3 hDifferences5.4 hReconciling0.6 hMailbox1.8 hAUTOMATEDSTAYS WITH THE TEAMTOTAL 14.3 H / MONTH
Blue1066% stays with the team
How much time a month stays with the team: Blue10Per part of the accounts payable work, the time Blue10 handles without a person and the time that stays with the team, at 500 invoices a month. Reading: 0.3 h of 2 h stays. Posting and coding: 1 h of 2 h stays. 2-way and 3-way matching: 3.3 h of 4.4 h stays. Approving and tracking: 0.9 h of 3 h stays. Investigating differences: 5.4 h of 6 h stays. Reconciling: 2 h of 2 h stays. Keeping the mailbox up: 1.1 h of 1.8 h stays. In total Blue10 handles 7.2 h and 14 h stays with the team, 66 per cent of 21.2 h.Reading0.3 hPosting1 hMatching3.3 hApproving0.9 hDifferences5.4 hReconciling2 hMailbox1.1 hAUTOMATEDSTAYS WITH THE TEAMTOTAL 14 H / MONTH
ScanSys66% stays with the team
How much time a month stays with the team: ScanSysPer part of the accounts payable work, the time ScanSys handles without a person and the time that stays with the team, at 500 invoices a month. Reading: 0.3 h of 2 h stays. Posting and coding: 1 h of 2 h stays. 2-way and 3-way matching: 3.3 h of 4.4 h stays. Approving and tracking: 0.9 h of 3 h stays. Investigating differences: 5.4 h of 6 h stays. Reconciling: 2 h of 2 h stays. Keeping the mailbox up: 1.1 h of 1.8 h stays. In total ScanSys handles 7.2 h and 14 h stays with the team, 66 per cent of 21.2 h.Reading0.3 hPosting1 hMatching3.3 hApproving0.9 hDifferences5.4 hReconciling2 hMailbox1.1 hAUTOMATEDSTAYS WITH THE TEAMTOTAL 14 H / MONTH
Klippa, nu Doxis SpendControl66% stays with the team
How much time a month stays with the team: Klippa, nu Doxis SpendControlPer part of the accounts payable work, the time Klippa, nu Doxis SpendControl handles without a person and the time that stays with the team, at 500 invoices a month. Reading: 0.3 h of 2 h stays. Posting and coding: 1 h of 2 h stays. 2-way and 3-way matching: 3.3 h of 4.4 h stays. Approving and tracking: 0.9 h of 3 h stays. Investigating differences: 5.4 h of 6 h stays. Reconciling: 2 h of 2 h stays. Keeping the mailbox up: 1.1 h of 1.8 h stays. In total Klippa, nu Doxis SpendControl handles 7.2 h and 14 h stays with the team, 66 per cent of 21.2 h.Reading0.3 hPosting1 hMatching3.3 hApproving0.9 hDifferences5.4 hReconciling2 hMailbox1.1 hAUTOMATEDSTAYS WITH THE TEAMTOTAL 14 H / MONTH
Microsoft Invoice capture60% stays with the team
How much time a month stays with the team: Microsoft Invoice capturePer part of the accounts payable work, the time Microsoft Invoice capture handles without a person and the time that stays with the team, at 500 invoices a month. Reading: 0.3 h of 2 h stays. Posting and coding: 1.2 h of 2 h stays. 2-way and 3-way matching: 1.8 h of 4.4 h stays. Approving and tracking: 0.9 h of 3 h stays. Investigating differences: 5.4 h of 6 h stays. Reconciling: 1.4 h of 2 h stays. Keeping the mailbox up: 1.8 h of 1.8 h stays. In total Microsoft Invoice capture handles 8.4 h and 12.8 h stays with the team, 60 per cent of 21.2 h.Reading0.3 hPosting1.2 hMatching1.8 hApproving0.9 hDifferences5.4 hReconciling1.4 hMailbox1.8 hAUTOMATEDSTAYS WITH THE TEAMTOTAL 12.8 H / MONTH
Zenvoices59% stays with the team
How much time a month stays with the team: ZenvoicesPer part of the accounts payable work, the time Zenvoices handles without a person and the time that stays with the team, at 500 invoices a month. Reading: 0.3 h of 2 h stays. Posting and coding: 0.6 h of 2 h stays. 2-way and 3-way matching: 2.2 h of 4.4 h stays. Approving and tracking: 0.9 h of 3 h stays. Investigating differences: 5.4 h of 6 h stays. Reconciling: 2 h of 2 h stays. Keeping the mailbox up: 1.1 h of 1.8 h stays. In total Zenvoices handles 8.7 h and 12.5 h stays with the team, 59 per cent of 21.2 h.Reading0.3 hPosting0.6 hMatching2.2 hApproving0.9 hDifferences5.4 hReconciling2 hMailbox1.1 hAUTOMATEDSTAYS WITH THE TEAMTOTAL 12.5 H / MONTH
Elvy59% stays with the team
How much time a month stays with the team: ElvyPer part of the accounts payable work, the time Elvy handles without a person and the time that stays with the team, at 500 invoices a month. Reading: 0.3 h of 2 h stays. Posting and coding: 1 h of 2 h stays. 2-way and 3-way matching: 1.8 h of 4.4 h stays. Approving and tracking: 0.9 h of 3 h stays. Investigating differences: 5.4 h of 6 h stays. Reconciling: 2 h of 2 h stays. Keeping the mailbox up: 1.1 h of 1.8 h stays. In total Elvy handles 8.8 h and 12.4 h stays with the team, 59 per cent of 21.2 h.Reading0.3 hPosting1 hMatching1.8 hApproving0.9 hDifferences5.4 hReconciling2 hMailbox1.1 hAUTOMATEDSTAYS WITH THE TEAMTOTAL 12.4 H / MONTH
WhiteVision59% stays with the team
How much time a month stays with the team: WhiteVisionPer part of the accounts payable work, the time WhiteVision handles without a person and the time that stays with the team, at 500 invoices a month. Reading: 0.3 h of 2 h stays. Posting and coding: 1 h of 2 h stays. 2-way and 3-way matching: 1.8 h of 4.4 h stays. Approving and tracking: 0.9 h of 3 h stays. Investigating differences: 5.4 h of 6 h stays. Reconciling: 2 h of 2 h stays. Keeping the mailbox up: 1.1 h of 1.8 h stays. In total WhiteVision handles 8.8 h and 12.4 h stays with the team, 59 per cent of 21.2 h.Reading0.3 hPosting1 hMatching1.8 hApproving0.9 hDifferences5.4 hReconciling2 hMailbox1.1 hAUTOMATEDSTAYS WITH THE TEAMTOTAL 12.4 H / MONTH
Continia53% stays with the team
How much time a month stays with the team: ContiniaPer part of the accounts payable work, the time Continia handles without a person and the time that stays with the team, at 500 invoices a month. Reading: 0.3 h of 2 h stays. Posting and coding: 0.8 h of 2 h stays. 2-way and 3-way matching: 1.8 h of 4.4 h stays. Approving and tracking: 0.9 h of 3 h stays. Investigating differences: 5.4 h of 6 h stays. Reconciling: 1 h of 2 h stays. Keeping the mailbox up: 1.1 h of 1.8 h stays. In total Continia handles 10 h and 11.2 h stays with the team, 53 per cent of 21.2 h.Reading0.3 hPosting0.8 hMatching1.8 hApproving0.9 hDifferences5.4 hReconciling1 hMailbox1.1 hAUTOMATEDSTAYS WITH THE TEAMTOTAL 11.2 H / MONTH
Medius52% stays with the team
How much time a month stays with the team: MediusPer part of the accounts payable work, the time Medius handles without a person and the time that stays with the team, at 500 invoices a month. Reading: 0.3 h of 2 h stays. Posting and coding: 0.6 h of 2 h stays. 2-way and 3-way matching: 1.3 h of 4.4 h stays. Approving and tracking: 0.9 h of 3 h stays. Investigating differences: 4.8 h of 6 h stays. Reconciling: 2 h of 2 h stays. Keeping the mailbox up: 1.1 h of 1.8 h stays. In total Medius handles 10.2 h and 11 h stays with the team, 52 per cent of 21.2 h.Reading0.3 hPosting0.6 hMatching1.3 hApproving0.9 hDifferences4.8 hReconciling2 hMailbox1.1 hAUTOMATEDSTAYS WITH THE TEAMTOTAL 11 H / MONTH
Claridy19% stays with the team
How much time a month stays with the team: ClaridyPer part of the accounts payable work, the time Claridy handles without a person and the time that stays with the team, at 500 invoices a month. Reading: 0 h of 2 h stays. Posting and coding: 0.2 h of 2 h stays. 2-way and 3-way matching: 0.9 h of 4.4 h stays. Approving and tracking: 0.9 h of 3 h stays. Investigating differences: 1.2 h of 6 h stays. Reconciling: 0.4 h of 2 h stays. Keeping the mailbox up: 0.4 h of 1.8 h stays. In total Claridy handles 17.3 h and 3.9 h stays with the team, 19 per cent of 21.2 h.Reading0 hPosting0.2 hMatching0.9 hApproving0.9 hDifferences1.2 hReconciling0.4 hMailbox0.4 hAUTOMATEDSTAYS WITH THE TEAMTOTAL 3.9 H / MONTH
Illustrative, at 500 invoices a month and 21.2 hours of accounts payable work. Time model by Claridy; only the reading pace has an external source. Feature coverage according to the vendors' own documentation, checked on 2026-08-18.
06 — Per tool

The vendors, with prices

Prices are the vendors' own published starting prices, checked on 2026-08-11. Where no price is listed, the vendor does not publish one.

Blue10

Generation 1: OCR with rules, ML in recognition

The best-known name on Exact. OCR with machine learning that learns patterns in recognised data, three tiers from scanning only to full approval flows, and its own Peppol integration. PO matching exists as a module.

Price

from €31.28 per month (Scan & Herken), €46.92 (SMB) or €68.82 (Enterprise), by document volume (source: blue10.com/tarieven).

Where it stops

the thinking happens at setup; in practice, recognition still depends on training it per supplier, and discrepancies are flagged, not resolved.

Right for

Exact teams with a manageable, stable supplier base.

Scan and recognise✓templates + ML
Coding±rules
Approval✓flows in three tiers
App✓photo capture, approve, search
PO matching±as a module
UBL · Peppol✓own Peppol integration
Multi-entity✓
Mailbox (AI)–
Bank reconciliation–
ERPs·Exact Online, Exact Globe, AccountView a.o.

Basecone (Wolters Kluwer)

Generation 1: OCR with rules

The OG of the market, still everywhere, usually via the accounting firm. Deeply tied to Twinfield, solid at intake, recognition, authorisation and posting, with a genuinely good app for uploading, authorising and expense claims. UBL invoices are fetched and split automatically; stored booking rules make the proposal more complete for recurring invoices.

Price

no public price list; usually runs through the firm.

Where it stops

no purchase-order matching, no self-learning coding, not built for an in-house AP team handling real volume.

Right for

smaller companies whose firm works on Twinfield.

Scan and recognise✓
Coding±booking proposal
Approval✓also in the app
App✓upload, authorise, expense claims
PO matching–
UBL · Peppol±UBL yes, Peppol no
Multi-entity✓via the firm
Mailbox (AI)–
Bank reconciliation–
ERPs·Twinfield, Exact, AccountView

Zenvoices

Generation 2: OCR with an AI layer

A combination of templates and AI recognition at line level, distinguished by a large library of automation rules (if this, then that) set centrally and applied across administrations, per administration or even per relation. If you can explain everything in advance, the system follows it rather well; the AI improves the reading, but the processing remains your configuration, so everything you want booked, you set up yourself. 3-way matching and payments can be added as extensions. It has its own app, also for receipts and approvals.

Price

from €29 (Basis), €75 (Pro) or €161 (Compleet) per month, plus variable costs per invoice, user and administration (source: zenvoices.com/prijzen).

Where it stops

the rules do what you configured; the work around discrepancies and the mailbox remains.

Right for

companies with a stable supplier base and little variation, wanting the most out of the scanning layer.

Scan and recognise✓templates + AI
Coding±rule library
Approval✓app, incl. receipts
App✓receipts too
Matching±as an extension
UBL · Peppol±UBL connector, no Peppol
Multi-entity✓central management
Mailbox (AI)–
Bank reconciliation–
ERPs·Exact Online (incl. Bouw), AFAS a.o.

TriFact365

Generation 2: OCR with an AI layer

The sharpest entry price on this list, AI recognition at line level, authorisation and signing-authority management, and recently a Peppol connection. Over 28,000 companies, also active outside the Netherlands.

Price

€10 or €26 per month plus €0.18 per document, €1.65 per extra user and €3.15 per extra administration (source: trifact365.com/abonnementen).

Where it stops

deliberately a lean scanning tool; no matching, and anyone wanting workflow depth grows out of it.

Right for

SMBs that want to stop retyping quickly and cheaply.

Scan and recognise✓AI, line level
Coding±algorithms
Approval✓incl. signing authority
App✓receipts, approvals
Matching–
UBL · Peppol✓Peppol new
Multi-entity±per administration
Mailbox (AI)–
Bank reconciliation–
ERPs·Exact, AFAS, Snelstart, King

Elvy

Generation 1: OCR with rules

Dutch invoice processing with a remarkably broad integration list: besides Exact Online and Globe also AFAS, AccountView, King, Multivers and Microsoft Dynamics 365 Business Central. One of the few that also runs on-premise. Modules for approval, purchase orders, budgeting, commitments and contract registration, plus an expenses app.

Price

€119 per month or €2,995 one-off for invoice processing; larger modules €169 per month or €4,950 one-off (source: elvy.nl/prijzen).

Where it stops

recognition on trained templates per supplier, matching on order total, and multiple entities means multiple mailboxes.

Right for

a stable supplier base, a broad ERP landscape, or an on-premise requirement.

Scan and recognise✓templates
Coding±rules
Approval✓+ expenses app
App✓expense claims
PO matching±module, order total
UBL · Peppol±UBL only
Multi-entity±mailbox per entity
Bank reconciliation–
On-premise✓
ERPs·Exact Online/Globe, AFAS, AccountView, King, Business Central, Multivers a.o.

WhiteVision

Generation 2: OCR with an AI layer

Heavier than the cloud tools and stronger than its reputation: 3-way matching of invoices against orders and commitments at order-line level, automatic purchase-order generation after approval, and document intake via mail, cloud folders, SharePoint and Peppol. A clear construction focus, and the only one with a 4PS integration (the construction ERP built on Business Central). WhiteVision Flow automates other document processes too.

Price

no public price list.

Where it stops

the AI improves the reading and the workflows, but it remains rules and configuration; no self-learning processing, and implementation asks more of you than the cloud tools do.

Right for

construction companies, certainly on 4PS.

Scan and recognise✓
Coding±rules
Approval✓app
App✓approve anywhere
3-way matching✓at order-line level
UBL · Peppol✓intake
Multi-entity✓
Mailbox (AI)–
Bank reconciliation–
ERPs·4PS (exclusive), Exact Globe a.o.

ScanSys (ImageCapture)

Generation 1: OCR with rules

Recognition with the strongest e-invoicing angle on the list: mail, PDF, scan, UBL and Peppol arrive centrally, price, quantity and delivery are matched against the purchase order, and fully matching invoices can be approved automatically (Systeemakkoord). Duplicate and fake invoices are filtered out. Runs in the cloud and on-premise.

Price

no public price list.

Where it stops

the category boundary; resolving discrepancies, the mailbox and the bank stay with your team.

Right for

organisations ahead on e-invoicing and Peppol, or wanting on-premise.

Scan and recognise✓
Coding±rules
Approval✓Auto-approval on full match
Matching✓price, quantity, delivery
UBL · Peppol✓
Duplicate/fraud filter✓
Bank reconciliation–
On-premise✓
ERPs·Exact Globe (+), Exact Online (Premium) a.o.

Continia

Generation 1: OCR with rules, inside Business Central

The standard within Microsoft Dynamics 365 Business Central: Document Capture lives inside BC and is delivered and priced through your partner (price calculator online, billed by usage). The Order Matching module improves the BC standard, and Continia Banking brings bank reconciliation into the BC workflow.

Where it stops

much of the matching work remains human-driven, it is not self-learning, and it is Microsoft-only.

Right for

Business Central teams that want to stay within their partner channel.

Scan and recognise✓
Coding±rules
Approval✓
Matching±module, partly manual
UBL · Peppol±via BC E-Documents
Bank reconciliation✓inside BC
ERPs·Business Central, NAV on-premises

Klippa (now Doxis SpendControl)

Generation 2: OCR with an AI layer

Groningen-based Klippa was acquired by Germany's SER in March 2025 and has carried the Doxis brand since March 2026; searching the old name lands you in a transition story. Two lines: SpendControl for invoices and expenses (register, approve, process, with its own invoice mailbox and recently company cards) and the broader document automation (formerly DocHorizon) with strong AI recognition and fraud detection on fake documents.

Price

SpendControl was offered from €95 to €275 per month (source: klippa.com, 2026-08-11).

Where it stops

strong AI in the reading, but processing follows the document-platform model, and the invoice flow sits inside an enterprise sales process.

Right for

organisations looking for broader document management than AP alone.

Scan and recognise✓strong AI
Coding±rules
Approval✓
App✓invoices and expense claims
Matching±limited
Mailbox✓
Cards✓
Fraud detection✓
ERPs·broad API integrations

Medius

Generation 2 at enterprise scale

International AP suite built for corporations, with native ERP integrations (Oracle, SAP, Dynamics, Infor, NetSuite) through its own integration platform. Functionally the most complete tool on this list: AI matching and coding, supplier conversations with AI answers, statement reconciliation, dashboards; Medius advertises high touchless rates. The difference with the action layer is not the feature list but the delivery model: an implementation of months with consultants and an IT project, enterprise contracts without public prices, and a setup built around a formal procurement process; the intelligence is configured by consultants, not instructed by your team.

Right for

large organisations with their own IT team and formal purchasing.

Scan and recognise✓
Coding✓AI
Approval✓
Matching✓
Supplier conversations✓
Statement reconciliation✓
ERPs·Oracle, SAP, Dynamics, Infor, NetSuite

Claridy

Generation 3: the intelligent action layer

That's us, measured by the same standard. Claridy is not a scanning tool but an intelligent layer on top of your ERP that processes documents the way a colleague would, with access to your mailbox and your other sources: Excel, a data warehouse, your CRM, contracts, or a second ERP. Invoices are read with AI, without templates, at line level; you instruct agents in plain language how to process them, the way you would instruct a colleague, including the exceptions and the data to watch. Anti-fraud checks and duplicate control are standard; which further checks and verifications run, and on which data, is up to you. The 3-way matching compares order, receipt and invoice at line level, spots deviations and applies calculations: converting units, tracking cumulatively what has been invoiced per order line, and the supplier who writes the PO number slightly differently simply gets matched. Coding uses your own booking history and what your team books today: every correction is remembered as a rule and then executed identically, with every step in the audit trail. The mailbox sorts incoming mail by entity and document type, answers questions with real data from your ERP, and the agent acts on it. If a check needs data from another system, Claridy fetches it. Runs on Exact, NetSuite and Microsoft Dynamics.

Price

from €499 per month, a flat amount instead of a price per invoice, cancellable monthly.

Where it stops

below roughly a hundred invoices per month there is too little repetitive work to make the difference, anyone who only wants scanning will pay less with the tools above, and the Peppol connection arrives in Q4 2026.

Right for

finance teams of mid-sized companies where the work after scanning eats the hours.

Scan and recognise✓AI, line level, no templates
Coding✓history; corrections become rules
Approval✓your thresholds
App–approval by email and web
3-way matching✓line level, discrepancies resolved
UBL · Peppol±UBL now, Peppol Q4 2026
Multi-entity✓one inbox
Mailbox (AI)✓sorts, answers, acts
Bank reconciliation✓remittances, partial payments, currency
Fraud/duplicate checks✓
ERPs·Exact, NetSuite, Dynamics

More on each tool: the intelligent alternative to Blue10, Blue10 or Basecone, an alternative to Elvy and an alternative to Zone on NetSuite (Zone & Co, the NetSuite-native AP tool).

07 — Deciding

How to choose, in four questions

Question 01

Where does the time go now?

Tally for one week where your team's AP time really goes. If it is retyping: any scanning tool solves it. If it is matching, discrepancies, coding and the mailbox: then a scanning tool only moves the problem, and you are looking for an action layer.

Question 02

Which ERP do you use?

The answer determines half your shortlist. Twinfield points to Basecone, 4PS to WhiteVision, Business Central to Continia or Claridy, NetSuite and Dynamics F&O to Claridy or the enterprise suites, and on Exact you have the most choice.

Question 03

How many entities, how much supplier churn?

Generation-1 tools cost you more time as suppliers and entities are added: every template and every rule is maintenance. Template-free recognition and one central mailbox become decisive.

Question 04

What should it cost per processed invoice, all-in?

Count not just the licence but the hours your team still spends after the software. A €30-per-month tool with two hours of follow-up work per day is more expensive than a €499 system without it.

08 — FAQ

Frequently asked questions

What does invoice processing software cost?+

Entry prices: TriFact365 from €10 per month plus €0.18 per document, Zenvoices from €29, Blue10 from €31.28, Elvy €119 per month or €2,995 one-off. Enterprise suites publish no prices. Claridy starts at €499 per month as a flat fee. The real calculation is licence plus the hours of follow-up work that remain.

What is the difference between OCR software and an intelligent action layer?+

OCR software (with or without an AI layer) reads the invoice and stages it; what happens next is your configuration and your team. An action layer executes the work itself (matching, resolving discrepancies, coding, the mailbox, reconciliation) and records every decision as an auditable rule.

Which tools support Peppol?+

Blue10 (own integration), TriFact365 (new), ScanSys and WhiteVision (intake), and Business Central natively via E-Documents. Claridy reads UBL invoices; the Peppol connection arrives in Q4 2026.

Which invoice processing software is self-learning?+

Nearly every modern tool learns in recognition. The distinction is what happens to decisions: with Claridy every correction becomes a rule that is then executed consistently; with generation-1 and generation-2 tools that decision stays with your team every month.

Which software fits my ERP?+

Exact: Blue10, Zenvoices, TriFact365, Elvy or Claridy. Twinfield: Basecone. AFAS: Zenvoices, TriFact365 or Elvy. AccountView: Blue10, Basecone or Elvy. Business Central: Continia, Elvy or Claridy. 4PS: WhiteVision. King: TriFact365 or Elvy. NetSuite and Dynamics F&O: Claridy or the enterprise suites.

Is invoice processing software the same as P2P or AP software?+

The terms largely overlap. AP software (accounts payable) covers the invoice side; P2P software (procure to pay) also includes the purchasing process from the order onward: purchase orders, receipts and matching. The tools in this guide cover the AP part; automating the full purchasing process is what people mean by procure to pay.

What happened to Klippa?+

Klippa was acquired by Germany's SER on 18 March 2025 and has carried the Doxis brand since March 2026. The invoice product is Doxis SpendControl; Doxis AI.dp is the successor to DocHorizon. The product still exists..

Source for the job posting analysis: Claridy analysis of 21,642 Dutch finance job postings, 2026, tasks classified by AI against our own rubric. Prices and features checked on 2026-08-11. Last checked: 2026-08.

Curious what is left after scanning?

Bring your own invoices. In half an hour we show what Claridy handles on your ERP itself and what stays with your team.