Meet Kelly — your AI analyst for accounts payable.
From XML capture to reconciled payment, with Brazilian tax compliance. Kelly stops the margin from leaking quietly into suppliers' pockets.
89% touchless invoices. 7x more early-payment discounts captured. From 9.15 to 3.1 days per invoice.
Accounts payable with no margin leak.
From inbox to payment, no typing
Automatic NF-e (electronic invoice) capture via SEFAZ (state tax authority) webhook, NFS-e from 5,570 municipalities, corporate inbox, supplier portal webhook. Multimodal OCR for anything that isn't XML.
3-way matching that understands semantics
“HDMI cable 2m” = “Cable HDMI High Speed 2m”? Kelly knows. Semantic matching between PO, invoice and receipt, with partial delivery handling.
Brazilian tax compliance in the DNA
CFOP (tax operation codes), NCM (product classification), IRRF/INSS/PIS/COFINS/CSLL/ISS withholdings. Adaptation to the IBS/CBS tax reform. SPED without rework.
Fraud and duplication neutralized
79% of companies suffered BEC in 2024. Kelly cross-checks Pix DICT, supplier history, PEP lists and weak signals. Suspicious payment? She stops it.
The entire accounts payable cycle, from capture to reconciliation.
Smart capture and extraction
- NF-e XML ingestion via SEFAZ webhook
- NFS-e from 5,570 municipalities
- Multimodal OCR for PDF and paper
- Corporate inbox extraction (Gmail, Outlook)
- Supplier portal webhooks (Ariba, Coupa, Nimbi)
Semantic 3-way matching
- Match between PO, invoice and receipt (WMS)
- Similar descriptions (“HDMI cable 2m” ≡ “Cable HDMI 2m”)
- Partial delivery handling
- Price matching with configurable tolerance
- Quantity matching with different units
Tax compliance
- Correct CFOP (supplier outbound × company inbound)
- NCM validated against TIPI
- Applicable withholdings (IRRF, INSS, PIS, COFINS, CSLL, ISS)
- IBS/CBS under the Tax Reform
- SPED Fiscal and Contributions
Autonomous GL coding
- Classification against the company's chart of accounts
- Automatic allocation between cost centers
- Account suggestion based on history
- 80% autonomy on non-PO
Fraud and duplicate detection
- Duplicate match (same supplier, same amount, dates close together)
- Pix DICT validation (does the key match the CNPJ?)
- Banking data change (vendor impersonation)
- PEP and sanctions lists
- BEC (Business Email Compromise) — email patterns
Supplier onboarding (KYB)
- Receita Federal (Brazilian IRS) lookup (CNPJ, shareholders)
- Serasa and Quod validation
- Pix DICT validation
- Sanctions lists (OFAC, CGU, PEP)
- Parsing of incorporation docs and powers of attorney
- Composite risk score
Approval routing
- Authorities configured via Kia Brain
- Notification on Slack, Teams or WhatsApp
- Contextual summary (“why approve”) on mobile
- Automatic escalation after SLA
- Delegation on absence
Payment scheduling
- Discount capture optimization
- DPO optimization (+1-3 days)
- Respects Kevin's liquidity policy
- Supplier grouping
- Execution via Pix, TED or CNAB
AP reconciliation
- CNAB return × scheduled payment matching
- Handling of reversals and rejections
- Pix × ERP reconciliation
- Unexpected charges identification
Supplier helpdesk
- Support via email and WhatsApp
- Payment status lookup
- Deadline renegotiation
- Supplier data validation
- Escalation to human in complex cases
Kelly active in one business day.
- 01Connect ERP and inbox (1h)
SAP, TOTVS, Oracle, Senior, Sankhya, Omie, Conta Azul. Gmail or Outlook from the AP area.
- 02Upload the chart of accounts (30 min)
Export from the ERP. Kelly maps rubrics and suggests initial classification.
- 03Configure the approval matrix (30 min)
Who approves up to R$ 10K, up to R$ 100K, above R$ 1M. By cost center if needed.
- 04Recurring supplier registry (1h)
Kelly pulls from the ERP, validates Receita Federal and Pix DICT, flags recurring suppliers.
- 05First month in review mode
You review classification and matching. Kelly learns your style. By month 2, it's routine.
Where Kelly pulls from and where she acts.
What changes in accounts payable.
| Metric | Market benchmark | With Kelly (best-in-class) |
|---|---|---|
| Cost per invoice | US$ 9.40 | US$ 2.78 |
| Processing time | 9.15 days | 3.1 days |
| Straight-through processing | 32.6% | 89% |
| Time on supplier inquiries | 21.8% | 13.4% |
| Fraud / BEC | 79% of companies hit/year | -55% to -70% |
What Kelly needs to know to operate your AP.
- Company chart of accounts
- Recurring supplier registry
- Contracts with strategic suppliers
- Tax withholding policies
- Approval matrix
- Payment calendar
- Exception and decision history
Classification patterns per supplier, frequently rejected suppliers, invoice descriptions that signal service vs. product, dispute history with suppliers.
A day of AP at a company with R$ 300M/year.
- 9am
47 invoices came in overnight. Kelly classified 41 automatically, 6 went to the human review queue (ambiguous description or above standard authority).
- 9:15am
Kelly detected that the invoice from supplier “Serviços ACME” came with a Pix key different from the registered one. Flagged for human validation. Finance calls the supplier, confirms no change — it was a fraud attempt.
- 10:30am
Kelly notifies on Slack: “3 IT infrastructure invoices due tomorrow with 2% discount. Total savings R$ 4.3K. Want to pay early?”
- 10:32am
Controller approves. Kelly schedules the Pix payment for this afternoon.
- 2pm
Kelly blocks a duplicate invoice — same supplier, same amount, issued 4 days apart. Supplier error, not fraud.
- 5pm
Kelly generates a CNAB remittance with 38 payments for the next day. Total R$ 2.1M. CFO approves with one click on WhatsApp.
- Next day, 9am
Kelly reconciles the CNAB return. 38 successes. Accounting close in the ERP. Sends summary to controller.
Best-in-class AP numbers.
We're ready for 2026 and beyond.
The Brazilian Tax Reform replaces ICMS, ISS, PIS and COFINS with IBS and CBS. Kelly was trained to read the new invoices, calculate the new taxes, apply the new credit regimes and prepare the new SPED layouts. No consulting project. No manual parameterization of 500 rules.
Frequently asked questions.
Does it replace my ERP or does it stay as the system of record?+
The ERP remains the SoR. Kelly orchestrates intake, classification, approval and payment on top of it.
Does it work with international suppliers (imports)?+
Yes. Invoices in English, import declaration, FX. Integration with treasury (Kevin) for hedging.
What about municipal service invoices that don't have a standard layout?+
Multimodal OCR handles it. We also partner with Qive/TecnoSpeed to cover 100% of municipalities.
Is there a supplier limit?+
No. Unlimited registry.
Does Kelly pay without my approval?+
Only within pre-approved authority (e.g., recurring supplier, same amount, up to R$ 1K). Anything outside that requires human approval.
Does it work with direct purchases (no PO)?+
Yes, that's where Kelly adds the most value. 80% autonomy on non-PO classification.
Kelly doesn't work alone.
Ready to stop the margin leak?
Book a chat and see Kelly capturing invoices, matching and paying with your own data.