Setup Bank Accounts

Configure your funding bank accounts.

• Ensure your Xero bank accounts have a valid IBAN and BIC assigned.
• In Xero, go to Accounting -> Bank Accounts.
• For the bank account you want to pay your bills from, click Manage Account, then select Edit Account Details.
• In the Edit Bank Account Details dialog, enter your IBAN in the field Account Name and your BIC in the field Account Number.

Setup Contacts

Ensure contact details are valid for formatting.

• In Xero, go to the Edit Contact page.
• Click on Financial details, enter the contact's IBAN in the field Bank account number and the contact's BIC in the field Details.
• Click on Addresses, and enter the customer's address, city, and zip code.

Setup Supplier QR Bills

Add the required reference to process QR payments.

• To process QR payments, go to the Edit Bill page in Xero.
• Enter the bill's Swiss QR reference in the field Reference.

Setup Organization Details

Validate your corporate identity details.

• Go to Settings -> Organization details.
• Ensure the Legal Name, physical address, and Tax Number are completely filled out.

Link Organization

• Navigate to the Organizations Workspace.
• Click "Add Organization" and follow the OAuth2 Xero prompts.
• Select the Xero tenant you want to allow Digintu to access.

Multi-entity Configuration

• Free and Standard plans are limited to 1 active connection.
• Advanced plans include 3 connections by default. You can purchase additional organization limits via your Profile settings.

Disconnecting Organizations

• In the Organizations Workspace, click the unlink/disconnect icon next to the active connection.
• This severs the OAuth2 tracking token immediately.

QR-Bills & ZUGFeRD

Handling individual PDF uploads.

• Drop your Swiss QR-Bill or ZUGFeRD/Factur-X PDF into the dropzone.
• Select the invoice direction: Purchases (Supplier Invoice) or Sales (Customer Invoice).
• The system accurately extracts the Debtor/Creditor Name, IBAN, BIC, Address, Payment Reference, and Amount.
• Review the extracted ledger data, adjust the Tax Rate or Account Code if necessary, and click 'Confirm and Push to Xero'.

CSV Bulk Import

Handling bulk spreadsheet data.

• Select the 'Bulk Spreadsheet Import' channel and choose your ledger direction (Sales/Purchases).
• Upload your CSV, XLS, or XLSX file.
• Map the columns from your file to the required Xero fields (Contact Name and Total Amount are mandatory).
• Verify the staged data grid and push the entire batch to Xero in one click.

Manual Entry

For invoices without digital documents.

• Select the 'Manual Entry' channel to bypass file parsing.
• Enter the Creditor/Debtor details, Bank Account, Amount, and References manually.
• Click 'Confirm and Push to Xero' to instantly create the bill or sales invoice in the cloud ledger.

Standard PDF

• Click 'Generate PDF' on any sales invoice in the dashboard to open the generation suite.
• Select 'Standard PDF' to create a clean layout and bypass metadata embedding entirely.

ZUGFeRD XML

• Select 'ZUGFeRD XML' and choose your compliance profile (e.g., EN16931 or Extended).
• Strict Validation: Requires complete address details (City and strict 2-letter ISO Country Code) for both the Creditor (your organization) and the Debtor (your customer).

Swiss QR Bill

• Select 'Swiss QR Bill' to append an official, vector-rendered payment slip to your invoice.
• Specify the language (EN, DE, FR, IT) and map the correct Target Bank Account to retrieve your IBAN.
• If your bank account is a QR-IBAN, the system automatically restricts the reference scheme to a 27-digit QRR. For standard IBANs, it generates an ISO 11649 SCOR.

Hybrid (Full)

• Select 'Hybrid (Full)' to combine ZUGFeRD embedded metadata with a visual Swiss QR slip.
• Check 'Allow Invoice Reference Update in Xero' to safely write the generated mathematical QR-Reference (QRR/SCOR) back to the Xero invoice.
• Check 'Attach PDF back to Xero' to automatically upload the finalized file to the invoice attachment tab.

Compiling a payment batch

• Select your target invoices from the dashboard and click 'Process Selected Bills'.
• Configure the Bank Value Date (Execution Date).
• Group the XML blocks according to your bank's strict PmtInf batching rules (e.g., Group by Payment Type is highly recommended for mixing domestic and SEPA payments).
• Download the PAIN.001 XML or use the Automations dashboard to schedule hands-free generation.

Payment Strategies

• Select your funding Xero Bank Account and Execution Date.
• Choose the strategy: Swiss Inland (Regular), Swiss QR-Bill, or International (SEPA).
• Click Compile & Download to receive your XML file.

Inline Editing & Validation

Modify details before compiling.

• You can update the creditor's IBAN, BIC, or Amount directly in the staging grid.
• Warnings will appear if a BIC is missing or if you attempt to use a QR-IBAN without a valid QRR reference.

Swiss Inland (Regular)

Standard domestic bank transfer.

• Requires a standard IBAN or account number.
• Explicitly forbids QR-IBAN formats.
• Beneficiary Name, IBAN, and Amount are strictly required.

Swiss QR-Bill Payment

Mandatory strategy for QR-IBAN accounts.

• Requires a valid 21-character Swiss QR-IBAN (format CH/LI with ID range 30000-31999).
• Mandatory 27-digit numeric QR Reference with valid Modulo10 checksum.
• Settlement is strictly limited to CHF or EUR currencies.

International Transfer (SEPA / Cross-Border)

For multi-currency or international payments.

• Requires Beneficiary City and Country, along with standard IBAN or non-IBAN account numbers.
• Requires specifying a Fee Charge Bearer (Shared, Sender Pays All, Recipient Pays All) and a Mandatory Purpose Code (e.g., General Goods, Salary).
• For SEPA (Scenario A), the currency must be exactly EUR.

Modifiable Fields & Xero Sync

What can be entered and saved to the cloud ledger.

• You can manually edit the Beneficiary Name, Address (Street/ZIP/City/Country), Contact IBAN, BIC/SWIFT, Reference, Currency, and Amount directly in Digintu.
• Using the "Save" action pushes changes for Contact Name, Address Block, and Invoice Reference directly back to Xero.
• Changes to Banking Details (IBAN/BIC), Currency, and Amount apply ONLY to the generated payment file and will not override your master records in Xero.

Reconcile Lines

• Open the Bank Statement Workspace.
• Select the Target Bank Account.
• Upload the CAMT.053/054 XML file provided by your bank.
• Review the confidence matching scores (Perfect, Partial, Name Match).

Confidence Scores & Matching

How the engine links transactions.

• Perfect Match (Green): Exact amount and reference matched.
• Ref Matched (Blue): Reference matched but amount may differ.
• Partial/Overpayment (Yellow): Potential discrepancy in amounts.
• Duplicate (Red): Transaction has already been synchronized.

Manual CSV Export & Upload

Download the generated CSV and manually upload it to Xero.

• In the Accounting menu, select Bank accounts.
• For the bank account you want to import your file into, click the menu icon, then select Import a Statement.
• In File to upload, drag and drop the CSV downloaded from Digintu or click Select file.
• If prompted, assign the columns in your import file to the matching bank statement fields in Xero, then click Next.
• If prompted, select the date format used in your bank statement, then click Next.
• Review the imported transactions and clear the checkbox next to any transaction you don't want to import.
• Click Complete import.

Direct 1-Click Reconciliation Push

Push statements directly into Xero for automatic reconciliation.

• Push statements directly into Xero for automatic reconciliation.
• The original CAMT.053 XML and generated CSV files are automatically securely archived as attachments in your Xero Vault for audit compliance.

Setting up the Feed

Which fields to configure for inbound supplier bills.

• Select a format under 'Workflow Type' (e.g., Swiss QR Bill, ZUGFeRD, or Bulk Invoices).
• Choose your 'Channel Type' (REST API, SFTP, Email Inbox, or Google Drive).
• Set the 'Target Invoice Status' to dictate how the bill is saved (Draft, Awaiting Approval, or Awaiting Payment).
• Define your 'Confidence Threshold' to control the strictness of the automatic supplier matching algorithm.

Locating Output in Xero

• Processed documents appear in Xero under 'Business > Bills to pay' within your designated target status.
• The original PDF or spreadsheet is automatically attached to the newly created bill.
• Supplier details, IBANs, BICs, and line items are mapped automatically based on the extracted data.
• The feed uses the Six Bank Master API to seamlessly match and derive the correct bank BIC from any provided IBAN.

Alerts & Notifications

• You will receive an email confirmation containing your access credentials when the feed is successfully created.
• If a file fails to process completely, the circuit breaker will pause the feed and notify you via email to prevent continuous loop errors.

Setting up the Feed

Required fields for statement ingestion.

• Select 'Bank Statements (CAMT.053)' or 'Bank Statements (CSV/Excel)' under 'Workflow Type'.
• Select the specific 'Target Bank Account' where these transactions should be reconciled in Xero.
• If using CSV/Excel, use the 'Spreadsheet Column Mapping' tool to define which columns correspond to the Date, Amount, Payee, and Reference.

Locating Output in Xero

• Once a CAMT file is received by your feed, Digintu processes it instantly. It creates bank account transactions statements, matching them with your existing invoices.
• It will also generate a Xero compatible bank statement in CSV format and store it in the Xero File Vault. The link to the Vault will be included in the notification email.
• Download this attached CSV file. Log in to your Xero account and manually import the CSV file into your target bank account for final reconciliation.
• For detailed instructions on this final step, please refer to the "Importing Bank Statements" article in this Help Center.

Alerts & Notifications

• A secure pipeline alert is dispatched to your Notification Email when the feed is established.
• If the feed encounters an invalid file format, it will be noted in the Audit Logs.

Setting up the Schedule

Configuring the background worker.

• Select 'Automated Payments (PAIN.001 XML)' as the Workflow Type.
• Set your 'System Schedule' (Interval, Daily, Weekly, or Monthly) to dictate when the engine wakes up.
• Select the 'Target Invoice Status' (typically Awaiting Payment) to pull eligible bills.
• Configure 'Execution Strategy' (Next Working Day, Fixed Offset, or Smart Due Date) to set the bank execution dates.

Locating Output in Xero

• The generated PAIN.001 XML files are securely delivered to your Xero file library (Files / Vault).
• From there, you can download the XML and upload it to your e-banking portal for final clearing.
• The Six Bank Master API is used in the background to automatically enrich and validate target IBAN/BIC routing combinations.

Execution Reports

• After every scheduled execution, the engine dispatches a summary report to your Notification Email.
• This email details the number of successfully batched transactions, lists any bills skipped due to validation errors (e.g., missing IBANs), and provides a direct link to the generated file.

Setting up the Schedule

Configuring the generation engine.

• Select 'Automated PDF Generation' as the Workflow Type.
• Choose your 'Document Format' (Standard PDF, ZUGFeRD XML, Swiss QR Bill, or Hybrid).
• If applicable, select the specific ZUGFeRD Profile or QR Slip Language.
• Define your automated schedule (e.g., Daily at 18:00) to fetch eligible Sales Invoices.

Locating Output in Xero

• During the scheduled run, the engine generates the requested PDF and attaches it directly to the source Sales Invoice in Xero.
• If 'Allow Invoice Reference Update' is enabled, the calculated QR-Reference (QRR or SCOR) is saved back to the Reference field of the Xero invoice.

Strict Address Validation

• Automated document formats (QR/ZUGFeRD/Hybrid) strictly require complete address details.
• Ensure your Organization (Creditor) and Customer Contact (Debtor) in Xero both contain a valid City and a strict 2-letter ISO Country Code (e.g., CH). Incomplete profiles will be safely skipped.

Tracking Feed Audits

How to monitor your pipelines.

• Navigate to the Automations dashboard and click 'Actions > View Audit Logs' on any active feed.
• The audit modal provides a chronological, granular view of every file processed or batch generated.
• You can review detailed Success/Failure statuses and read the exact system exception messages (e.g., missing address details, invalid IBAN formats) to troubleshoot blocked workflows.

Idempotency & Duplicate Protection

How the system prevents double-processing.

• Digintu utilizes cryptographic state hashing to capture the exact footprint of an invoice or statement.
• The system checks this hash before processing. Invoices and payments are NEVER processed or generated twice unless their underlying data (amount, reference, status) has been changed in Xero.
• This guarantees that overlapping schedules or duplicate file uploads will be safely ignored.

IP Whitelisting (CIDR)

Restrict access to known corporate networks.

• Navigate to Automations & Feeds and edit your API or SFTP integration.
• Under Advanced Security, enter your static IP addresses or CIDR blocks separated by commas (e.g., 192.168.1.0/24, 10.0.0.5).
• Connections from unlisted IPs will be immediately rejected with a 403 Forbidden error.
• Leave the field blank to allow connections from any IP.

Passwordless SFTP (SSH Public Key)

Use cryptographic keys instead of passwords for FileZilla or automated scripts.

• Generate an SSH key pair on your machine (e.g., ssh-keygen -t ed25519).
• Paste the Public Key (starts with ssh-rsa or ssh-ed25519) into the Digintu UI under Advanced Security.
• Configure your SFTP client (like FileZilla) to use the corresponding Private Key (Logon Type: Key file).
• The standard password will be disabled automatically.

API HMAC-SHA256 Signatures

Cryptographically sign your payloads to prevent tampering and replay attacks.

• Enable HMAC in the feed's Advanced Security settings.
• Digintu will generate an API Secret. Do not share this secret.
• Before sending a POST request, calculate the HMAC-SHA256 hash of your raw file bytes using the API Secret.
• Send the resulting hex string in the X-Signature HTTP header.

How Verification Works

The matching process uses strict UID and fuzzy name logic.

• Digintu first attempts to match the contact using the Xero Account Number, assuming it contains a valid Swiss UID.
• If no UID is found or the match fails, Digintu falls back to a text search using the contact's Name.
• If multiple entities share similar names, you will be presented with a list to manually select the correct counterpart.

Zefix Fields Explained

Understanding the retrieved compliance data.

• EHRA-ID & CH-ID: Unique federal and cantonal identifiers for the entity.
• SOGC Date: The date of the most recent publication in the Swiss Official Gazette of Commerce.
• Status: Indicates if the company is ACTIVE or LIQUIDATED. Red badges require immediate attention.
• Legal Seat & Purpose: Verifies the official registered address and the binding corporate purpose.

Xero Synchronization

How Digintu updates your ledger.

• When linking a verified record, Digintu utilizes the 'Account Number' field in Xero to store the validated Zefix UID (e.g., CHE-123.456.789).
• By default, Digintu will overwrite any existing data in the Account Number field to ensure compliance consistency.
• You can toggle this automatic update off before clicking 'Accept & Link Record'.

Pricing & Credits

Verification costs.

• Querying the registry and viewing initial search results is completely free.
• Fetching the full, detailed compliance profile costs 1 Verification Credit.
• Credits are deducted automatically from your workspace balance upon successful retrieval.

Transaction Quotas

• The Free plan includes 10 document extractions/syncs per month.
• The Standard plan includes 100 transactions per month.
• The Advanced plan includes Unlimited transaction parsing.

Managing your subscription & capacity

• Go to Profile.
• Under "Workspace Capacity", click "Manage Capacity" to scale your team seats or connected organizations.
• All billing modifications are prorated instantly.

Swiss NGO Discounts

• During checkout, enter your Zefix UID.
• If your organization is a registered Verein/Association/Foundation, a 50% discount is applied to your premium subscription permanently.

Upgrading and Downgrading

Changing your base subscription.

• Navigate to your Profile.
• Click 'Upgrade to Advanced' to switch via the Stripe portal. Unused time is prorated automatically.
• To downgrade to Standard, you must first reduce your team seats and connected organizations to 1.
• Click 'Downgrade to Standard' directly in the app interface.

Managing Capacity Add-ons

Adding seats or organizations.

• On the Advanced plan, click 'Manage Capacity'.
• Use the +/- buttons to scale Team Seats or Connected Organizations.
• The system will show a live preview of the prorated upgrade cost or downgrade credit before saving.

Customer Billing Portal

Invoices and Payment Methods.

• Click 'Manage Subscription' to access the secure Stripe portal.
• Update your default credit card or billing address.
• Download past PDF invoices and receipts.
• Cancel your subscription at any time (cancellation takes effect at the end of the current billing period).

Enterprise Plan

Custom tailored environments for large operations.

• Includes custom pricing paid via B2B invoicing and traditional wired payments.
• Unlock unlimited custom organizations, dedicated seats, and personalized onboarding.
• To request an Enterprise quote, use the contact button at the bottom of the page.

Inviting New Members

• Navigate to the 'Team' tab in your top navigation bar.
• Click 'Invite Member' and enter their email address. They will receive a secure 7-day link to join your workspace.
• You must have available seats in your subscription plan to send an invite.

Workspace Switching & Guest Access

How to navigate between multiple accounts without losing your subscription.

• When you are invited to a new workspace, you join as a 'Guest Member'.
• Your original 'Home' workspace (and its associated billing plan) is safely paused in the background while you are a guest.
• All actions and credit deductions you perform will apply strictly to the host workspace you joined.

Leaving a Guest Workspace

Returning to your home environment.

• If you are currently a Guest Member, navigate to your Profile.
• Scroll to the bottom and click the 'Leave Workspace' button.
• You will immediately be restored to your original 'Home' workspace as the Owner.
• If the host workspace Owner removes you from their team, this restoration process happens automatically.

Security & OAuth2 Permissions

• Digintu inherits Xero permissions directly via OAuth2.
• If a team member does not have explicit access to an organization in Xero, they cannot access its data within Digintu.

Workspace Settings

Customizing your environment.

• The Workspace Owner can update the internal team name directly from the Team dashboard header.