Who paid, who is late, and the reminder already written.

The bank file is matched to the invoice list. Every overdue invoice gets a reminder draft in Swedish or English, with the exact amount, fee and interest. A person reads each draft and approves it. Nothing is sent by the machine.

–invoices checked

–payments placed right

–reminders drafted

–wrong amounts

1 · Readinvoice list

2 · Readbank file

3 · Matchpayments

4 · Findwho is late

5 · Draftand check

How it works

1 · Read

The invoice list from Fortnox or Visma and the bank's payment file. Amounts kept to the öre.

2 · Match

OCR first, then invoice numbers in the message. Anything unclear goes to a person.

3 · Find late

What is left on each invoice, how many days late, which tone: friendly, firmer or last notice.

4 · Draft

One reminder per invoice. A check proves every number in it equals the books.

Swedish rules it follows

Reminder fee: 60 kr, only if agreed

Only when the customer agreed to it, at the latest when the debt arose. Otherwise no fee.

Lag (1981:739) 2 § and 4 §

Interest: referensränta + 8

Dröjsmålsränta runs from the due date, on what is left each day. Now 2 % + 8 = 10 % per year.

Räntelagen (1975:635) 3 §, 6 §, 9 §

Referensränta: set twice a year

Riksbanken sets it for each half-year. 2,00 % from 1 July 2026, checked 19 October 2026.

riksbank.se: referensränta

Run it yourself

python3 -m unittest            # 18 checks, no model needed
python3 run.py                 # 64 invoices + bank file -> score card, updates this page
python3 run.py --polish        # optional: a local model polishes the wording, the number check guards it

The firm, customers, invoices and payments are made up. Results on this page come from one real run on a 16 GB laptop.