One message. Invoiced, tracked, collected.
Describe the work. Agents handle the rest. From WhatsApp, Slack, iMessage, or any surface you are already on.
Ten tools. One invoice.
You are the API between your invoicing tool, your email, your bank, and your spreadsheet.
Create
Open the invoicing tool. Fill 12 fields. Look up the tax ID. Check the VAT rate. Generate PDF. 15 minutes. Desktop only.
Deliver
Attach to email. Write a professional message. CC the right people. Send. Hope they got it. No tracking. No read receipt. Nothing.
Match
Check the bank. Every morning. Scan transactions. Was that EUR 6,000 from Acme or from the other project? Open spreadsheet. Match manually.
Collect
Write "gentle reminder." Day 7. "Following up." Day 14. Forget. Day 30. 5 to 10% of invoices never collected. Cash flow is a prayer, not a plan.
60 minutes or 30 seconds. You pick.
Jean
Solo-ops founder · France
Before Well
Opens Pennylane. Fills 12 fields. Checks SIRET. Checks TVA rate. Generates PDF.
Opens Gmail. Composes message. Attaches PDF. Sends.
Opens Qonto. Scans transactions. No payment from Acme. Opens Gmail. Writes reminder.
Payment arrives. Which invoice? Opens spreadsheet. Matches. Updates aging. 60 minutes total.
With Well
WhatsApp: "Invoice Acme for March. 40h at EUR 150. Validate in Slack."
Invoice created (Acme SAS, TVA 20%, net 30). Posted to #finance for Pierre's approval.
Pierre approves in Slack. Well sends invoice to Acme.
Payment arrives in Qonto. Auto-matched. Status: paid. Jean never checked the bank.
One message. Four layers. A fleet behind it.
Create
From context, 15 seconds
One message triggers a plan. The agent fleet creates the invoice from the graph: client, contract, hours, jurisdiction.
- Context graph: tax ID, address, payment terms, VAT rate
- Natural language: describe the work, skip the form
- Multi-jurisdiction: French facture electronique, German Rechnung, US invoice
Deliver and track
Any surface
Email, portal, web invoice. Track opens. Embedded chat. Pay button. Approval gates via Slack, email, or chat.
- Multi-channel delivery: email, WhatsApp portal, web invoice
- Real-time tracking: opened, viewed, clicked
- Approval gates: Pierre approves in Slack before the client sees it
Match
11,000 banks
Payment arrives. Matched to invoice. Aging updates. Cash flow forecast adjusts. Zero manual reconciliation.
- 11,000 banks across EU and US
- Amount, reference, sender, timing matching
- Partial payments tracked automatically
Collect
Autonomous
Agent fleet: reminders, escalation, tone adaptation, negotiation. Human-in-the-loop via task objects. You approve exceptions.
- Configurable intervals: day 31 email, day 38 WhatsApp, day 45 alert
- Tone adapts to client payment history
- Escalates to you only when automated options are exhausted
Wherever you are. That's where AR happens
Same graph. Same agents. The surface adapts to you.
Four ways to connect
Pick the method that fits your stack. Mix and match, they all feed into the same unified context.
Gmail, Stripe, QuickBooks, Xero, Plaid, Qonto, and 100+ more. One-click OAuth, instant data sync.
The flywheel
Every connection makes Well smarter. More data means better matching, richer context, and sharper recommendations.
Identify
8 of 12 tools detected
Well scans your stack and shows what it recognizes
Connect
247 invoices found
One-click OAuth, data starts flowing immediately
Context
Invoice matches bank transaction
Well cross-references across sources automatically
Intelligence
Suggestion: connect Pennylane
Well recommends new connections based on data gaps
The bank is the signal.
11,000
Banks across EU and US. Payments auto-matched to invoices.
Without bank coverage, every missing payment is a guess. Well matches across 11,000 banks so you never check manually.
| Provider | Coverage | EU | US |
|---|---|---|---|
| Well | 11,000 banks, EU + US | Supported | Supported |
| Midday | No bank matching | Not supported | Not supported |
| Stripe Invoicing | Stripe payments only | Not supported | Not supported |
| FreshBooks | No bank matching | Not supported | Not supported |
| Upflow | Partial | Not supported | Not supported |
| Pennylane | FR only | Supported | Not supported |
One message. A fleet behind it
Six agents. One plan. Human approves step 3. The rest is automatic.
See it in action
A question that used to take a meeting now takes a message.
How can I help you?
Ask anything or use / for commands...
Payment arrives. Invoice closes. You never checked
The flywheel
Every connection makes Well smarter. More data means better matching, richer context, and sharper recommendations.
Identify
8 of 12 tools detected
Well scans your stack and shows what it recognizes
Connect
247 invoices found
One-click OAuth, data starts flowing immediately
Context
Invoice matches bank transaction
Well cross-references across sources automatically
Intelligence
Suggestion: connect Pennylane
Well recommends new connections based on data gaps
Solo today. Team tomorrow.
Solo
- You message the invoice
- Agents handle the plan
- Bank matches automatically
- Collections run on their own
Team
- Sales creates from a deal
- Finance approves in Slack
- Agent delivers and tracks
- Collections per team rules
- Accountant gets clean AR data
Outstanding invoices? The fleet is on it.
Mid-year AR review. Agents keep collections moving so your cash flow stays healthy.
When will the money arrive?
8
chart types, selected automatically
Bar, line, area, pie, scatter, table, KPI card, and executive summary. Well analyzes your question and picks the format that communicates the answer best.
Bar chart
Comparisons
Line chart
Trends over time
Area chart
Volume trends
Pie chart
Proportions
Scatter plot
Correlations
Table
Detailed breakdowns
KPI card
Single metrics
Summary
Executive briefings
Full lifecycle. One surface.
Most tools handle one step. Well handles the full invoice lifecycle from a single message.
| Capability | Well | Midday | Stripe Invoicing | FreshBooks | Upflow | Pennylane |
|---|---|---|---|---|---|---|
| 15-second conversational create | Supported | Chat | Not supported | Not supported | Not supported | Not supported |
| Embarked surfaces (WhatsApp, Slack, iMessage, MCP) | 6 surfaces | Chat + CLI | Not supported | Not supported | Not supported | Not supported |
| Agent collections | Fleet | Basic | 1 retry | Basic | Dunning | Not supported |
| Bank matching | 11K banks | Not supported | Stripe only | Not supported | Partial | Not supported |
| Orchestrate then replace | MCP | MCP | Not supported | Not supported | Not supported | Not supported |
| Price | EUR 19-199/mo | EUR 15-39/mo | 0.4%/inv | EUR 17-55/mo | Custom | EUR 40-249/mo |
“I invoiced a client from WhatsApp while walking to a meeting.”
Marie L.
Founder, Studio Vernier
“I stopped checking the bank. Well tells me when they pay.”
Thomas R.
Managing director, Atelier Brun
“Collections went from my least favorite task to something I don't do anymore.”
Sophie K.
Finance lead, NordTech
Frequently asked questions
15 seconds. Describe the work in a message. The system creates a compliant invoice from your context graph: client, tax ID, VAT rate, payment terms. No form-filling.
WhatsApp, iMessage, Slack, Chrome extension, web chat, desktop dashboard, and any MCP-compatible AI agent.
One message triggers a plan. Each step is handled by a specialized agent: document creation, approval routing, delivery, tracking, bank matching, collections. Humans approve at configured gates (e.g., Slack approval before sending).
Stage 1: Well orchestrates your existing tools via MCP. You message Well, it triggers creation in Pennylane or QuickBooks. Stage 2: replace tools at your pace with native components.
11,000 banks across EU and US. Payments auto-matched to invoices.
The collections agent sends at configurable intervals, adapts tone to the client's payment history, escalates across channels (email, WhatsApp, manager alert), and only surfaces to you when automated options are exhausted.
Yes. French 2026 mandate, German Rechnung, US standards. Applied automatically per jurisdiction.
Yes. AI predicts when each invoice will be paid based on the client's history. 'Cash flow this month?' returns an AR-based projection.
15 sec
Invoice creation from any surface
11,000
Banks across EU and US
6
Embarked surfaces
One message. Invoiced, tracked, collected.
Connect your tools. Send your first invoice from chat.