Overview
Effortless Banking, Payments & Invoicing for Xero
You handle your everyday bookkeeping smoothly—until banking rules, multi-currency reconciliations, and invoice formats enter the picture.
Re-typing bill references into e-banking risks accidental double payments. Strict banking standards reject entire payment batches over minor address errors. Missing bank statement lines turn month-end reconciliation into hours of stressful detective work. And corporate clients increasingly demand compliant digital e-invoices you can't easily process.
Digintu eliminates the friction between Xero and your bank.
Connect your ledger to all major Swiss financial institutions (UBS, PostFinance, Raiffeisen, ZKB, Cantonal banks) and European payment rails. Digintu verifies counterparties, formats bank-ready payment runs, matches statement lines automatically and handle e-invoices—giving you complete peace of mind and bulletproof books.
Key Capabilities
1. Batch Supplier Payments Without the Risk
- Automated Payment Runs: Select approved bills in Xero and generate bank-ready payment orders (ISO 20022 PAIN.001) in seconds.
- Universal Swiss & International Clearing: Native support for Swiss QR-IBANs with 27-digit references, standard IBANs, SEPA payments, and multi-currency global transfers.
- Reliable Validation: Catch invalid IBANs, missing BIC codes, or unformatted address lines, eliminating payment rejections from your bank portal.
2. Touchless Bank Statement Feeds & Reconciliation
- Automated Hands-Free Feeds: Pull bank statements automatically via secured SFTP, Google Drive, email alias, or direct API.
- Instant Match Engine: Digintu reads official electronic statements (CAMT.053) or spreadsheet exports and matches transactions against open bills and invoices.
- Zero Reconciliation Guesswork: Clean, paired entries flow directly into Xero so your balances reconcile with a single click.
3. Complete Invoicing for the Electronic Era
- Effortless Bill Ingestion: Forward PDFs, upload supplier QR-bills, or import European e-invoices (ZUGFeRD / Factur-X / Peppol) via secured email, SFTP, Drive or API. Digintu extracts line items, references, and amounts straight into Xero.
- Customer Bill Creation: Generate official e-invoices attached directly to your Xero sales invoices, ready to email to clients.
Built for Swiss Security & Accounting Practices
- Zero Data Retention: Built on a zero-storage architecture. Your banking transactions, supplier invoices, and accounting entries process in real-time memory and are never saved on our servers.
- Multi-Entity & Fiduciary Ready: Manage client companies or corporate subsidiaries under one login.
- Native Multi-Lingual Interface: Fully localized in English, Deutsch, Français, and Italiano.
- Permanent NGO Discount: Registered Swiss Associations and Foundations receive an automatic 50% lifetime discount.

Digintu + Xero
Digintu connects seamlessly to Xero via official, encrypted OAuth2 authentication to automate your daily financial operations:
- Two-Way Ledger Sync: Reads approved bills to prepare payment runs and syncs finalized invoice references directly back to Xero.
- Instant Bill Creation: Decodes incoming paper and digital invoices (Swiss QR, Factur-X, CSV/Excel) to create complete bills in Xero with source documents attached.
- Automated Ingestion Pipelines: Connects to your bank or document storage to collect daily statement files without human intervention.
- Statement Reconciliation: Pushes matched transactions and reconciliation lines directly into your Xero bank accounts for one-click settlement.
- Master Data Verification: Pulls verified corporate identities from the Swiss commercial registry directly into your Xero contacts.
- Direct Document Archiving: Automatically stores copies of all generated payment files and payment slips inside your Xero document folders.
Security Architecture: Digintu uses an ephemeral, zero-retention architecture. Your accounting and banking data is transformed strictly in-memory during active sessions. Your financial truth stays exactly where it belongs: inside Xero and your bank.
Pricing plans
This app includes a free 60 day trial
FREE
- 30 transactions / month (1 tx = 1 bill = 1 statement line)
- 1 Xero organization included
- 1 team seat (Owner) included
- Bank Statement Conversion (CAMT to CSV)
- Local PDF Invoicing (ZUGFeRD, QR-Bill, Hybrid)
- Single Invoice Scanning (QR & Factur-X)
- PAIN.001 Payment Orders (Domestic CHF/SEPA)
- Company Registry Lookup (Zefix Search)
- Multi-lingual: EN, DE, FR, IT
STANDARD
- Everything in Free Starter, plus:
- 500 transactions / month included
- 1 Xero organization included
- 2 team seats included (Owner + Accountant)
- 1 automated feed pipeline included (Email / Google Drive)
- 1-Click Bank Statement Sync to Xero
- Bulk Spreadsheet Invoice Ingestion to Xero
- Direct Xero PDF Attachment & Address Sync
- Global ISO 20022 Clearing (SIX, SEPA, Cross-Border)
- Structured Address Compliance (Auto-Split for ISO 20022)
- Company Verification & Xero Contact Profile Sync
ADVANCED
- Everything in Standard, plus:
- 5,000 transactions / month included (+EUR 19/mo per 1,000 extra)
- 3 Xero organizations included (+EUR 29/mo per extra)
- 5 team seats included (+EUR 15/mo per extra)
- 3 automated feed pipelines included (+EUR 39 per extra)
- Swiss QR-Bill & ZUGFeRD Parsing
- Automated Multi-Account & Multi-Currency Auto-Routing
- Multi-Statement 1-to-N Auto-Routing
- Priority High-Throughput Processing Queue
- Hosted SFTP Drop Gateway (Dedicated Port & SSH Key)
- Remote Server SFTP Polling (ERP/Bank Drop Pull)
- Direct REST API Ingestion & Webhooks (HMAC Signed)
- IP Whitelisting & CIDR Network Firewall Rules
- Scheduled PAIN.001 Payment Export & Dispatch
- Automated Headless PDF Billing (QR / ZUGFeRD)
- Batch Company Verification & Immutable Audit Trail
Getting started
Start automating your Swiss payments and bank reconciliation in under 2 minutes:
Step 1: Connect Xero
Click "Get this app", log in with your Xero credentials, and authorize your active organization.
Step 2: Configure Bank Account
In Xero (Accounting > Bank Accounts), verify your funding bank account has a valid IBAN in the Account Name field and BIC in the Account Number field.
Step 3: Execute On-Demand Workflows
- Pay Bills: Filter unpaid bills, click "Process Selected Bills", choose your clearing format (Swiss QR, SEPA, International), and download your bank-ready PAIN.001 XML file for e-banking.
- Import Statements: Drag and drop CAMT.053/054 XML or CSV/Excel files to match open bills and push reconciled lines into Xero bank feeds.
- Issue QR-Bills: Open a sales invoice to generate an official Swiss QR-bill or Factur-X PDF attached directly in Xero for one-click emailing.
- Verify KYC: Scan vendor and customer directories against the Swiss Federal Commercial Registry (Zefix) to validate UIDs and satisfy AMLA/GwG rules.
Step 4: Automate Inbound & Outbound Feeds
Go to Automations & Feeds > Create New Feed to establish automated background pipelines:
- Email Alias (Inbound Bills & Statements): Select Email to receive a dedicated ingestion address. Set an auto-forward rule from your mailbox; Digintu extracts attached PDFs/XMLs and posts them into Xero automatically.
- Google Drive Sync: Authorize Google Drive and select a monitored folder. Drop supplier bills or daily bank statement files in; Digintu continuously checks the folder, updates your ledger, and archives processed files.
- Hosted SFTP Drop: Ideal for automated scanner scripts and ERP drops. Use your assigned SFTP credentials and SSH public key to upload files; Digintu ingests them instantly upon transfer completion.
- Remote Bank SFTP Polling: Connect directly to your bank or data center SFTP server. Enter host, credentials, or encrypted OpenSSH key and folder path; Digintu polls on schedule, collects newly deposited CAMT.053 files, and syncs lines to Xero.
- REST API & Webhooks: Integrate custom systems programmatically. Retrieve your Channel Key and push payloads via HTTP POST with optional HMAC-SHA256 (
X-Signature) verification for tamper-proof ledger updates. - Scheduled Background Tasks: Set recurring schedules (Daily, Weekly, Monthly) for PAIN.001 payment generation or batch QR-bill rendering. Digintu auto-compiles due bills by currency (
AUTO_IBAN) and attaches generated documents without manual effort.





