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Clozo Business

Invoicing, supplier bills and bank reconciliation. One workspace, EU-first.

Issue and send invoices in bulk, receive and approve supplier invoices, and match bank payments to invoices. You confirm every suggested match. Where the law allows it, invoices simply go out by e-mail, and every country shows a clear e-invoicing status.

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Clozo Business is a separate product with its own account and its own data, so you set up a new account for it. Live invoicing starts once your company has been verified.

Bank reconciliation · Amberfield Trading BV

Imported statement · main account · EUR

  • SEPA · Elbrook Media Ltd

    26 Sept · €2,340.00

    Matched
    Suggested match · INV-2026-0152

  • SEPA · Larkspur Interiors

    26 Sept · €1,120.00

    Suggested
    Suggested match · INV-2026-0151

  • SEPA · Hollis & Park Studio

    25 Sept · €860.00

    To review
    Suggested match · INV-2026-0155
19 of 21 matched · 2 to reviewReconciliation report

Formats and standards it works with

Bank statements you import

camt.053MT940CODACFONB 120OFXCSVXLSX

E-invoices it reads

UBLCIIXRechnungZUGFeRDFactur-X

E-invoices it writes

UBLXRechnung

Hand-off to your systems

DATEVOpenAPIWebhooks

From the first invoice to the last bank line

Issue invoices that are right the first time

  • Issue one by one or in bulk, from the workspace or through the API.
  • Delivered by e-mail with the PDF and, if you switch it on, a structured e-invoice (UBL or XRechnung).
  • Send over Peppol, KSeF or SdI where your country needs itEarly access. Early access: sending over the e-invoicing networks (Peppol, KSeF, SdI) is being switched on with early-access customers..
Request early access

Invoice editor

New invoice

Draft

Kestrel Logistics GmbH (DE) · due 30 Nov 2026

Consulting, October€3,950.00
Reverse charge · 0% VAT€0.00

VAT number checked in VIES

Total €3,950.00

Supplier invoices, from inbox to approval

  • Upload supplier invoices, or forward them to your own inbox address.
  • UBL, CII, XRechnung, ZUGFeRD and Factur-X files are read automatically. PDFs and scans are read with AIEarly access. Early access: reading PDF and scanned supplier invoices with AI is being switched on with early-access customers. (processed by Google in the USA, under the EU-US Data Privacy Framework).
  • Duplicates are flagged and known suppliers match themselves. You approve before anything is paid.
Request early access

Supplier invoices

Inbox · 7h4k2m9q8xw3@in.useclozo.com

Tindal & Voss Facilities · €1,860.00To approve
Marchetti Office Supplies · €312.40Paid
Tindal & Voss Facilities · €1,860.00Possible duplicate

Reconcile the bank without the spreadsheet

  • Import statements in camt.053, MT940, CODA, CFONB 120, OFX, CSV or Excel.
  • Clozo suggests the invoice or bill behind each line. You confirm every match.
  • Connect your bank for live feedsEarly access. Early access: live bank connections are being switched on with early-access customers. Statement import is available to everyone..
Request early access

Bank reconciliation

statement_2026-09.camt053.xml · 21 lines

SEPA · Larkspur Interiors · €1,120.00Matched
SEPA · Elbrook Media Ltd · €2,340.00Suggested
SEPA · no reference · €860.003 possible

Make it easy to pay, and easy to see

  • Every invoice has a payment page: card through Stripe once you connect your Stripe account, or bank transfer.
  • Payers can say they paid by transfer and upload proof. You see it on the invoice.
  • Cash position and forecast by currency show what comes in next.

Payment page

Pay INV-2026-0151

Larkspur Interiors · €1,120.00

Already paid by transfer? Upload your proof of payment.

Everything the workspace does, from your own code

  • An OpenAPI schema and reference, served by the API itself.
  • Scoped keys, with a 72-hour overlap when you rotate one.
  • Signed webhooks with a delivery log, and replay of anything that failed.
Developer overview 
POST /b2b/v1/documents
Authorization: Bearer clz_live_<keyid>_<secret>
Idempotency-Key: order-4471-v1
→ 201 Created: a draft invoice, ready to issue and send

The finance details, done right

The parts of invoicing that usually end up in a spreadsheet or in someone's head.

VAT done right

Reverse charge, place of supply and VIES checks are worked out per invoice. Reverse charge applies only after your buyer's VAT number checks out.

Kestrel Logistics GmbH (DE)

VAT number valid in VIES · reverse charge, 0% VAT

Larkspur Interiors (NL)

Domestic sale · local VAT applies

VAT summaryEC Sales ListOSS report

Credit notes and corrections

Fix or cancel an issued invoice the way the law expects, with a timeline.

INV-2026-0148€4,280.00
Credit note CN-2026-0007-€480.00

A payment page for every invoice

Card through Stripe once you connect your account, bank transfer, and proof of payment from the payer.

Cash position and forecast

See cash by currency and what comes in and goes out next.

EUR48,210.00
PLN120,400.00
USD9,350.00

An audit trail on every document

Who issued, changed, sent or voided what, and when.

  1. 09:12 Created by Mara
  2. 09:14 Issued as INV-2026-0148
  3. 09:15 Sent to ap@kestrel-logistics.example

Several legal entities, with controls that hold

Roles for admins, finance, operators and viewers. Lock closed periods. A write-off in reconciliation needs a second person.

Entities

Amberfield Trading BV · Amberfield Logistics GmbH

Period lock

Closed up to 31 Aug 2026

Write-off €120.00

Waiting for a second approver

How it works

  1. Step 1

    Get your workspace and verify your company

    Apply with the plan you want. We set up your workspace after a short review, and you add your legal entity. Live invoicing starts once your company is verified.

  2. Step 2

    Bring your data in

    Import bank statements, upload supplier invoices, or connect your own system with an API key.

  3. Step 3

    Issue and send

    Issue invoices one by one or in bulk. Check your country's status first.

  4. Step 4

    Reconcile and report

    Confirm suggested matches, then export for your accountant or hand it to DATEV.

See the full walkthrough

E-invoicing, country by country

Every country shows a plain status, so you know what to expect before you start.

See all countries

Know what it costs in a minute

Tell us how many invoices you issue and how many people use Clozo. The calculator picks the smallest plan that fits.

  • Micro

    From €58 /month

    40 invoices a month included

  • Small

    From €130 /month

    200 invoices a month included

  • Medium

    From €350 /month

    1,000 invoices a month included

Prices exclude VAT. Need more than the largest plan includes? We'll agree a custom plan with you.

Estimate your plan

For developers

An HTTP API with a published schema

Issue and reconcile invoices from your own systems. Generate a client from the OpenAPI schema instead of writing one by hand.

Explore the API

Request

curl https://api.useclozo.com/b2b/v1/documents \
  -X POST \
  -H "Authorization: Bearer clz_live_<keyid>_<secret>" \
  -H "Idempotency-Key: order-4471-v1" \
  -H "Content-Type: application/json" \
  -d '{
    "issuer_id": "3f6c1b8e-2d4a-4e7b-9a15-6c0d2e8f7a41",
    "customer": {
      "name": "Kestrel Logistics GmbH",
      "country": "DE",
      "vat_number": "DE123456789"
    },
    "currency": "EUR",
    "line_items": [
      {
        "description": "Consulting, October",
        "quantity": "1",
        "unit_amount": 395000,
        "tax_rate": 0,
        "tax_category": "AE"
      }
    ]
  }'

Response

HTTP/1.1 201 Created
{
  "object": "document",
  "id": "doc_5Hq2m8Zr4Kd9",
  "issuer_id": "3f6c1b8e-2d4a-4e7b-9a15-6c0d2e8f7a41",
  "issuer_country": "NL",
  "currency": "EUR",
  "subtotal": 395000,
  "tax_total": 0,
  "total": 395000,
  "reverse_charge": true,
  "status_bucket": "created",
  "status_detail": "draft",
  "invoice_number": ""
}
// other fields omitted

Bring your invoicing, AP and reconciliation into one workspace.

Request accessBook a demo
Request accessBook a demo