AI agents that execute B2B payment workflows autonomously — invoice matching, purchase order processing, payment scheduling, reconciliation, and working capital decisions. Built on NPCI's emerging agentic payment infrastructure.
Autonomous AI agent that processes B2B payment instructions — validates payee, checks approval rules, initiates NEFT/RTGS/UPI, confirms receipt, and updates ERP/ledger — without manual intervention.
Three-way match: purchase order vs. goods receipt vs. vendor invoice — automated. AI identifies discrepancies, routes exceptions to approver, and auto-approves matched invoices for payment.
AI agent that creates POs from approved requisitions, sends to vendors, tracks confirmation, alerts on delays, and closes PO against GRN — fully automated procurement-to-PO workflow.
Bank statement vs. ERP ledger reconciliation. Matches NEFT/RTGS/UPI entries, flags unmatched transactions, and generates daily reconciliation reports. Eliminates manual Excel reconciliation.
AI agents for accounts payable (invoice processing, payment scheduling, vendor reconciliation) and accounts receivable (invoice dispatch, payment follow-up, customer reconciliation).
AI that monitors your cash flow, flags upcoming payment obligations, recommends payment deferral vs. early payment discount decisions, and optimises working capital utilisation.
All projects are fixed-price with full source code ownership. You get the complete codebase at delivery — host it yourself, modify it, or have any developer maintain it. No annual licensing. No per-user fees.
Map current AP/AR manual touchpoints, exception rates, and integration with your ERP/bank.
Define agent decision rules, approval thresholds, exception routing, and ERP field mapping.
Connect to ERP (Tally/SAP/Zoho/custom), banking API, and UPI/NEFT/RTGS rails. UAT in sandbox.
Run AI in parallel with existing process. Validate accuracy. Expand to full automation after 2-week validation period.
Agentic commerce refers to AI agents that autonomously execute commercial and payment workflows — invoice processing, payment initiation, purchase order creation, and reconciliation — without human intervention for standard transactions. In India, NPCI is building an agentic payments registry for AI agents to initiate UPI transactions on behalf of businesses. XPndAI builds the business-side AI agents that plug into this infrastructure.
Agentic commerce development: ₹5L–₹15L for a single workflow (invoice matching or AP automation); ₹15L–₹50L for a full agentic finance suite; ₹50L+ for end-to-end procure-to-pay and order-to-cash automation. Fixed price, no monthly SaaS fees.
AI invoice matching is three-way matching — purchase order, goods receipt note, and vendor invoice — done automatically. The AI extracts data from all three documents, compares quantities, rates, and totals, flags discrepancies, routes exceptions to the approver, and auto-approves clean matches for payment. Reduces invoice processing time from 3–7 days to same-day.
Yes. XPndAI integrates agentic payment AI with Tally (via TallyPrime API), Zoho Books, SAP B1, Oracle EBS, Microsoft Dynamics, and custom ERP systems. The AI reads pending payables from your ERP, processes payment instructions, and writes back payment confirmation — fully automated.
Free scoping call — fixed price quote in 48 hours. ERP integration included. Full source code.
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