Supplier invoices that practically take care of themselves.
Zifra reads your supplier invoices with AI, checks them against the Swiss QR payment part and generates the payment file for your e-banking. Developed and operated in Switzerland.
zifra
Treuhand Berger AG
Invoices
Due
Creditor
Total
Status
21.08.26
Alpina Bau AG
8’534.50
Reviewed
23.08.26
Comnetika AG
937.60
To review
01.09.26
Voltrena AG
2’918.70
Reviewed
10.09.26
Datalix AG
1’247.05
To review
19.09.26
Softesa AG
7’997.40
Reviewed
Create payment file
Swiss QR read
AI recognized sender, amount & VAT
Swiss software
developed, hosted and supported in Switzerland.
100 % Swiss data centers
your documents never leave the country.
Your choice of AI
integrated Swiss AI (data stays in Switzerland) or Anthropic Claude (USA), selectable per client.
Multi-client
from one-person companies to fiduciaries managing dozens of mandates.
Four languages
German, French, Italian, English.
Payment file in one click
ISO 20022 (pain.001) for every Swiss e-banking.
Connected to your accounting
export to Abacus (AbaConnect), Infoniqa ONE 50 (formerly Sage 50) and directly to bexio.
No lock-in
export all data and original documents in full, at any time.
How it works
01
Capture
Upload invoices via drag & drop (PDF, scan or photo) — or simply forward PDF invoices to your client’s own Zifra email address.
02
Understand
Zifra reads the Swiss QR payment part precisely — no guesswork. AI handles the rest: sender, amounts, VAT, payment terms, suggested booking account. Electronic invoices (ZUGFeRD/Factur-X) are taken over directly.
03
Review & approve
Everything that matters on one screen, with the original document right next to it. Zifra flags duplicates, sum errors and changed IBANs on its own. Optional four-eyes approval.
04
Pay & post
Generate the payment file, upload it to your e-banking, done. The bookings flow into your accounting system via export — or to your fiduciary.
Features
Capturing documents
- Drag & drop, multi-file upload — or by email: every client gets its own Zifra address with one click and receives invoices fully automatically
- Safe by sender list: unknown senders go to quarantine for review instead of straight into processing
- Swiss QR-bill: read deterministically, including Swico details
- Electronic invoices: ZUGFeRD / Factur-X taken over directly, no AI needed
- Automatic duplicate detection
AI that thinks along
- Vision AI reads scans and photos too — like a clerk, only faster
- Sender recognition with creditor matching (IBAN, UID, name)
- Plausibility checks: totals, VAT lines, invoice date, due date
- Fraud protection: warning when a known supplier suddenly shows a new IBAN
- AI selectable per client: Swiss AI (data stays in Switzerland) or Claude (USA)
Review & payment
- Review screen with the original document side by side
- Four-eyes principle: clerks capture, authorized users approve
- Payment file ISO 20022 (pain.001) — QR reference, SCOR, SEPA, foreign currencies
- Credit notes are offset automatically — the payment run pays net
- Optional email reminders for due and overdue invoices
- Due-date overview, paid workflow, confidential invoices (e.g. salaries) visible to authorized users only
Accounting & reporting
- Chart of accounts with VAT codes — via CSV or AI import from your existing chart (PDF)
- Booking account suggestions during review
- Input VAT report (agreed or collected method) for your VAT return
- Export to Abacus (AbaConnect XML) and Infoniqa ONE 50 (TAF), plus generic CSV
- bexio: bookings are created with one click straight through the bexio API — no file at all
Order & archive
- Audit-proof document archive: 10 years, compliant with the Swiss Business Records Ordinance (GeBüV), originals immutable
- Full-text search across all invoices and documents
- Complete audit log: who changed what, and when
For fiduciaries
One login. All your mandates.
Zifra is multi-client by design — not retrofitted.
Switch clients in a second
all mandates in one portal, cleanly separated, no logging in and out.
You stay in control
create mandates, manage users and roles, set the AI configuration per client.
Your clients work with you
the client uploads invoices, you review, post and export — or the other way round. Roles from read-only to administrator.
Straight into your world
export to Abacus, Infoniqa ONE 50 and directly to bexio; the input VAT report is ready for the VAT return.
Less typing, more advising
AI does the data entry, your fees come from review and advice.
Partner terms
for fiduciaries with several mandates — talk to us.
Security
Your documents stay in Switzerland.
Operated 100 % in Swiss data centers, on our own infrastructure
Data handling in line with the Swiss FADP; on request, AI processing stays entirely in Switzerland too
Strict client separation at every layer of the system
Role model with four-eyes approval, automatic logout and optional IP restriction per client
Hourly backup across two Swiss data centers plus daily database backups — audit-proof retention (GeBüV, 10 years)
No lock-in: full export of all data and original documents — any time, at the push of a button
Fair, transparent, per client.
Every plan includes all features. The only difference is the number of invoices per year.
All prices excl. VAT, billed annually. Fiduciaries: partner terms on request.
Zifra grows with you: the platform is built to keep up with your needs — from today’s accounts payable workflow to whatever you need next.
See Zifra with your own invoices.
In 30 minutes we’ll show you live how Zifra reads your documents — happy to use your real examples.
FAQ
Where is my data stored?
Exclusively in Swiss data centers. The integrated AI runs on Swiss infrastructure as well; only if you actively choose Claude does Anthropic (USA) process your documents.
What counts as an invoice?
Every supplier invoice processed in a calendar year — whether uploaded, sent by email or entered manually.
Can I take my data with me?
Yes, in full: all invoices, master data and original documents as a structured export. At no extra cost.
Which banks are supported?
Every Swiss bank that accepts ISO 20022 payment files (pain.001) — which is the standard today.
Does Zifra replace my accounting system?
No — Zifra is the upstream system that handles the accounts payable work and hands over cleanly to Abacus, Infoniqa ONE 50, directly to bexio — or, via CSV, any other accounting system.
Do I need to install anything?
No. Zifra runs in the browser — on Mac, Windows, tablet and smartphone.