Match your payments without combing your bank statement: the bank connected to your invoicing

Friday evening, the bank statement and the spreadsheet

You know the scene. Friday, end of the day: you open your online banking on one side and your invoice list on the other. A transfer of €1,210 — but from whom? Was invoice 2026-0142 paid, or was it 0143? You tick through line by line, by hand, and you end up sending a reminder to a client who had already paid two days earlier. This matching work adds nothing to your business. It exists for one reason: your payments live at the bank and your invoices live somewhere else.

Plugging the bank into your invoicing

The direct bank connection links your business account to Voilo. Your transactions come in automatically, with no file to download and nothing to retype. Each incoming amount is then compared against your open invoices: amount, date, reference. When everything lines up, the invoice flips to "paid" on its own. You no longer keep two screens open side by side; you look at a dashboard that is already up to date.

A €1,210 payment that matches a €1,210 invoice with the correct reference is reconciled with no input from you. The ambiguous cases — a partial amount, one transfer covering two invoices — are put in front of you so you decide with a single click, instead of rebuilding it all from memory.

The structured reference does half the work

In Belgium you have an advantage many countries lack: the structured communication, that code of the form +++123/4567/89012+++ your clients copy onto their transfer. It then travels with the payment on your statement and acts as a unique key to find the right invoice. If your invoices carry a structured communication, automatic matching becomes far more reliable: the software doesn't guess, it reads an exact reference. The Federal Public Service Finance even provides an official tool to generate these references.

So the trick isn't only to connect the bank — it's to send clean invoices, with a reference the machine can follow from the first euro received to the final match.

See at a glance who still owes you

Once payments are matched automatically, the question "who hasn't paid?" has an immediate answer. No more mentally subtracting the transfers received from the invoices issued. The dashboard separates what's settled from what's dragging, with the age of each overdue item. You can then aim your reminders at the genuine late payers — and stop writing to clients who have already paid. Voilo also flags when a client opens their invoice, sparing you the premature "did you receive it?" reminder.

How this ties into 2026 e-invoicing

Since 1 January 2026, every VAT-registered Belgian business must send and receive structured electronic invoices for its B2B transactions — including self-employed people under the VAT exemption scheme below €25,000 turnover (see the official information from the Federal Public Service Finance). A structured invoice isn't a PDF: it's data that software reads directly. The same goes for payment: reference, amount and payer identity travel in a usable format, which makes reconciliation cleaner still. The very mechanism that brings you in line for 2026 therefore improves your cash-flow tracking. For the detail on the network and the obligation, see our PEPPOL guide.

From which plan

The direct bank connection and automatic reconciliation are included from the PME plan at €25/month excl. VAT, and on the plans above it. The free plan lets you start invoicing and PEPPOL registration, but not bank reconciliation. You'll find the full feature comparison per plan on our pricing page. No commitment: try it, and stop whenever you want.

The gain doesn't sound dramatic, but you feel it every week: you get your Friday evening back, and you always know where your cash stands.