The order-to-cash chain

Five modules. One continuous chain.
Each run by a Virtual Employee™.

Every step of your order-to-cash establishes one layer of truth — from the commitment you plan, to the cash you collect. Your Virtual Employees keep all five in sync, across every shipper, logistics and transportation provider in your network.

01

Plan & Assign

Commitment Truth

Orders are planned, capacity is matched and every transport assignment is committed with the right provider — the single source of who does what, when.

Run by the Virtual Order Planner & Virtual Procurement Manager
02

Track & Comply

Execution Truth

Regulatory e-Waybill (eCMR & national mandates) issued and tracked across geographies. What actually happened, proven in real time.

Run by the Virtual Traffic Manager & Virtual Compliance Officer
03

Verify

Economic Truth

Every invoice is verified against the executed waybill and agreed rates — automated freight audit that removes disputes before they exist.

Run by the Virtual Quality & Fraud Officer & Virtual Freight Auditor
04

Invoice

Fiscal Truth

Regulatory e-Invoicing in every mandated geography — Peppol, clearance and CTC models — filed correctly the first time, everywhere you operate.

Run by the Virtual Billing Specialist & Virtual e-Invoicing Officer
05

Finance

Liquidity Truth

Verified, compliant invoices become financeable assets — plug in factoring or trade-finance partners and turn receivables into cash in 24 hours.

Run by the Virtual Finance Manager

What is a Virtual Employee™?

Meet your Virtual Employees™

A Virtual Employee™ isn't a single AI agent — it's a coordinated team of them, organized around a defined ontology of your business: what falls in scope, how your processes run, and which data it can touch. Nothing improvised. Nothing operating outside the lines you've drawn.

Built on structure, not guesswork

Every Virtual Employee™ operates within a defined scope — processes, data and decision boundaries are set by design, not left to chance.

Augments your team, doesn't replace it

They take on the repetitive, always-on work — freeing your people for judgment calls and relationships. Your team gains oversight, not workload.

Always on, always watching

24/7 execution means nothing waits for business hours. Exceptions get caught the moment they happen, not the next morning.

Gets sharper with every correction

When a human steps in to fix something, that action becomes training signal — more gets handled automatically over time, while every action stays traceable and reversible.

Regulatory backbone

Compliance is not a feature. It's two of our five modules.

Track & Comply · e-Waybill

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 execution truth with it, whatever the corridor or transport mode.

eCMR (UN Protocol)EU eFTI RegulationSpainGreeceSerbia+ more corridors

Invoice · e-Invoicing

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 fiscal truth aligned with what was actually delivered and verified.

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

Built for the whole supply chain

One chain, three perspectives

Shippers: one verified truth 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
Shipper / warehouse image

Analytics & Intelligence — across the chain

Every module feeds one data spine. Cash forecasts, carrier performance, compliance exposure and dispute analytics come from the same five truths — not another 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
Bluerock TMS
AlpegaAlpega
Transporeon
Webfleet
Geotab
Samsara
TomTomTomTom
Wtransnet
TIMOCOM
Teleroute
Trans.eu
Google Maps
HERE
OpenWeather
OutlookOutlook
GmailGmail
ExcelExcel
Google SheetsGoogle Sheets
Zefix
Dun & Bradstreet
Creditsafe
EU Business Registers
SAP
Oracle
Dynamics 365
Sage
Bluerock TMS
AlpegaAlpega
Transporeon
Webfleet
Geotab
Samsara
TomTomTomTom
Wtransnet
TIMOCOM
Teleroute
Trans.eu
Google Maps
HERE
OpenWeather
OutlookOutlook
GmailGmail
ExcelExcel
Google SheetsGoogle Sheets
Zefix
Dun & Bradstreet
Creditsafe
EU Business Registers

Some of the systems we connect to — ERPs, TMS, telematics, freight exchanges, maps & weather, email & sheets, company registries. The list grows continuously.

Industries

Wherever industry moves goods, we move the paperwork — and the cash

Manufacturing & Automotive

High-volume inbound and outbound flows, tight production schedules, zero tolerance for document errors at the dock.

Retail & Consumer Goods

Thousands of deliveries, hundreds of providers — one verified invoice stream and one compliant fiscal trail.

Chemicals & Pharma

Regulated cargo, regulated documents. e-Waybill and e-invoicing compliance built into every movement.

Food & Beverage

Perishable lead times demand execution truth in real time — and suppliers paid without 90-day waits.

Construction & Materials

Project logistics with many small providers: assignment, proof of delivery and finance in one chain.

Logistics & Transportation

Forwarders, 3PLs and carriers of every mode — turn compliant operations into faster cash.

Partners & standards

Webfleet Solutions
Bluerock TMS
Log-hub
GS1 Switzerland
Peppol

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

FAQ

The questions everyone asks about Virtual Employees™

What exactly is a Virtual Employee™?+

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.

How do you get our data? Do we need a migration project?+

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.

Will this replace our people?+

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.

What happens when an agent makes a mistake?+

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 →

fincargo.
Fincargo SA
Rue de L'Industrie 23
1950 Sion
Switzerland
Fincargo Iberia SL
Avenida Diagonal, 598
08021 Barcelona
Spain
CyberSafe certifiedSwiss Made Software
© 2026 Fincargo AG. Virtual Employees™ is a trademark of Fincargo.EU data residency · Nothing trains on your data