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From order to cash.
On autopilot.

Each step hands a verified record to the next, from the order you plan to the cash you collect.

  1. 01

    Plan & Assign

    Orders committed

    Orders planned and committed with the right provider: who does what, when.

    Virtual Order Planner & Virtual Procurement Manager9 agents

  2. 02

    Track & Comply

    Deliveries proven

    Regulatory e-Waybill (eCMR and national mandates), proven in real time.

    Virtual Traffic Manager & Virtual Compliance Officer9 agents

  3. 03

    Verify

    Invoices verified

    Every invoice checked against the waybill and agreed rates, before disputes start.

    Virtual Quality & Fraud Officer & Virtual Freight Auditor7 agents

  4. 04

    Invoice

    Taxes filed

    Compliant e-invoices in every mandated country: Peppol, clearance and CTC.

    Virtual Billing Specialist & Virtual e-Invoicing Officer6 agents

  5. 05

    Finance

    Cash collected

    Verified invoices become financeable: cash in 24 hours through factoring partners.

    Virtual Finance Manager10 agents

Colleagues who never clock out

A Virtual Employee™ is a coordinated team of AI agents, organized around your business: its scope, its processes and the data it may touch.

Built on your structure

Processes, data and decision limits are agreed with you, upfront.

Works alongside your team

They take the repetitive work, so your people keep the judgment calls and relationships.

Always on, always watching

Exceptions are caught the moment they happen, even at 3 a.m.

Gets sharper with every correction

Every human fix becomes training signal; every action stays traceable and reversible.

Compliance, built in

Fincargo DeCA mobile app

Regulatory e-Waybill, in every geography you move goods

Digital consignment notes are becoming law across the world. Fincargo issues, transmits and archives compliant e-Waybills, eCMR under the UN protocol plus national mandates, so every shipment carries its proof of delivery with it, whatever the corridor or transport mode.

eCMR (UN Protocol)DeCAEU eFTI RegulationSpainGreeceSerbia+ more corridors
See Spain's mandate
Fincargo e-Invoice document

Regulatory e-Invoicing, mandate by mandate

Clearance models, CTC reporting, Peppol networks: every geography does it differently, and the mandates keep coming. Fincargo files structurally valid, fiscally compliant e-invoices in each jurisdiction, keeping your tax records aligned with what was actually delivered and verified.

Peppol NetworkEU ViDAFrance 2026Italy SdIBelgium 2026Poland KSeFSpain Verifactu+ more mandates

Built for whoever moves the goods

Shippers: one verified record across all your providers

Your Virtual Employees plan and assign transport, collect execution proof from every logistics provider, verify every freight invoice and keep your fiscal filings compliant in each geography, without adding headcount.

✓Automated freight audit: 99.5% first-pass approval
✓Regulatory e-Waybill and e-invoicing handled per country
✓Supplier-friendly finance options strengthen your carrier base
SAP
Oracle
Microsoft Dynamics
TMS
e-CMR
Your systems
API & EDI
Event streams
Fincargo
Platform
Your network
Shippers
Manufacturers & retailers
Logistics providers
Carriers, forwarders & 3PLs
Collaboration portal
Financial institutions
Banks & factors
Factoring & trade-finance partners
Receivables to cash
Funded in 24 hours
Financing rails
Order-to-cash orchestration
Plan & Assign
01
Orders committed
Track & Comply
02
Deliveries proven
Verify
03
Invoices verified
Invoice
04
Taxes filed
Finance
05
Cash collected

Analytics & Intelligence: across the chain

Every module feeds one data spine. Cash forecasts, carrier performance, compliance exposure and dispute analytics come from the same verified records, with no separate BI project.

Integration & Connectivity: how we virtualize your data

Virtual Employees connect to the ecosystems you already run (TMS, ERP, telematics, e-invoicing networks) and virtualize the data they need. No rip-and-replace, no migration program.

  • SAP
  • Oracle
  • Dynamics 365
  • Sage
  • Transporeon
  • TIMOCOM
  • Teleroute
  • Trans.eu
  • Webfleet
  • Samsara
  • Dun & Bradstreet
  • Creditsafe

Some of the systems we connect to: ERPs, freight exchanges, telematics and company registries, plus your TMS, email and spreadsheets.

Every industry, less paperwork

Manufacturing & Automotive
High volumes, tight schedules, zero tolerance for document errors at the dock.
Retail & Consumer Goods
Hundreds of providers, one verified invoice stream.
Chemicals & Pharma
Regulated cargo, regulated documents, compliant on every movement.
Food & Beverage
Execution proof in real time, and suppliers paid without 90-day waits.
Construction & Materials
Many small providers: assignment, proof of delivery and finance in one chain.
Logistics & Transportation
Forwarders, 3PLs and carriers: compliant operations, faster cash.

Partners & standards

Webfleet Solutions
Log-hub
GS1 Switzerland
Peppol

Interoperable by design: GS1 identification standards and the Peppol network are part of the platform's regulatory backbone.

Good questions

A Virtual Employee is an AI agent with a job description, planning, compliance, verification, invoicing or finance. It connects to your existing systems, works 24×7 on real orders, logs every action it takes, and escalates to your people when judgment is needed. You hire it like a colleague, not license it like software.

No. We virtualize the data we need by connecting to the ecosystems you already run: your TMS, ERP, telematics, e-invoicing networks and partner portals. Your data stays where it is; the Virtual Employees read and act on it through governed connections.

It replaces the chasing, keying and reconciling, not the people. Your teams move from processing documents to supervising outcomes: they set thresholds, approve exceptions and handle relationships. Every agent decision is logged and replayable, and a human can always intervene.

Agents work within approval thresholds you define. Out-of-threshold actions are blocked and escalated to a human, like the rate exception in our live feed. Every decision carries a full audit trail and can be rolled back.

See the full FAQ

Ready when you are

  1. 1A call with our team about one of your flows
  2. 2We connect one system, your TMS or ERP
  3. 3Your first Virtual Employee™ works on real orders within days