Whisper allows for real-time exchange of information about financed invoices between invoice financing entities, without revealing any business secrets. It works by hashing the relevant information on the invoice and sharing only those hashes with a centrailzed instance, preserving privacy while checking for duplicates. It allows for real-time protection against double financing fraud, and can support various document types and fraud attempt variations. Whisper instance can be hosted on-premise or in the cloud, making sure all regulatory requirements are met. Most importantly, no senstiive information leavese the system of the invoice financing entity at any point in time, making sure there are no risks accompanied with usual data breaches.
Tax Authority E-Invoicing Integration
Direct tax authority invoice data inside the factoring workflow
Faktori 3.0 connects banks and factoring companies directly to government e-invoicing systems, including NAV Online Invoice in Hungary and the SFS AIS e-Factura environment in Moldova. With the client’s consent, the platform can verify submitted invoices automatically. Faktori then matches the data, flags exceptions, and prepares valid invoice data for a controlled or automated financing process. The new browser-based release of Faktori 3.0 combines a familiar, user-friendly interface with Interface’s more than 20 years of dedicated experience in factoring software.
Verified Invoice Data Inside the Factoring Workflow
Faktori 3.0 brings government e-invoice data into the daily factoring process. In Hungary, the platform connects to NAV Online Invoice. In Moldova, the same operating model is adapted to the SFS AIS e-Factura system. We see similar potential in Serbia and Romania, as well as in other markets where companies submit invoices to government platforms and can authorise access to those records.
With the client’s consent, a bank or factoring company can use the connection in two ways. It can verify invoices submitted by the client against the tax authority’s records, or it can retrieve new invoice records automatically and prepare them for financing. This removes repeated file uploads and provides direct access to an independent, verified data source within the factoring workflow.
Faktori checks invoice numbers, issue dates, buyer identifiers, currencies, amounts and due dates when these are available. It links each invoice to an approved buyer-seller relationship and applies the agreement’s eligibility rules before financing. Credit notes, amendments and cancellations remain connected to the original invoice, so the exposure can be reassessed when the receivable changes.
How the Integration Works
1 Client authorisation. The supplier or buyer grants access in Faktori Web. Consent can be limited or withdrawn.
2 Secure connection. Faktori stores the technical credentials in encrypted form and can use query-only permissions where the national system supports them.
3 Invoice retrieval and matching. Scheduled or ad hoc queries collect new invoice data. Faktori processes only invoices that relate to configured clients and agreements.
4 Financing workflow. The bank can use the result for verification only, let the client select eligible invoices online, require a second approval, or automate acceptance and financing for selected agreements.
Faster Financing with Stronger Controls
The integration shortens the time between invoice issuance and a financing decision. Valid invoice data can reach the factor without manual re-entry, while configurable checks protect the institution’s approval standards.
- Fraud and error control. The tax authority record helps identify nonexistent invoices, data discrepancies, and subsequent amendments or cancellations.
- Reduced administration. Automated retrieval and matching reduce repeated uploads, manual data entry and comparison.
- Faster access to liquidity. Eligible invoices can move more quickly to client selection, approval and financing.
- Flexible automation. Each agreement can use verification only, online invoice selection, automatic acceptance, or fully automatic financing and disbursement.
Automation That Follows the Bank’s Policy
Banks can introduce automation gradually. One client may use the tax authority’s data only as an independent verification source, while another may select downloaded invoices in Faktori Web. For established agreements, the bank can enable fully automatic processing, acceptance and financing. Reverse factoring and supply chain finance can use the same model for incoming invoices, with the buyer providing the relevant authorisation.
One Integration Model Across Markets
Faktori separates the common factoring workflow from the country-specific connection. Hungary’s NAV Online Invoice and Moldova’s SFS AIS e-Factura use different credentials, data structures and invoice statuses, yet both can feed the same controlled process for matching, approval and financing. The Moldovan model also supports buyer feedback such as approval, signing, cancellation or rejection where those statuses are available from the state platform. The same design principles are relevant to Romania’s e-Factura environment and Serbia’s SEF, subject to local access and implementation scope. As new EU e-invoicing and digital reporting regulations take effect, we expect more countries to adopt comparable approaches, allowing the Faktori integration model to be adapted and applied across additional markets.
What Makes Faktori Different
Faktori’s government e-invoicing connection forms part of an end-to-end factoring platform rather than a separate invoice-checking utility. The verified invoice data can flow directly into agreement controls, invoice approval, limit utilisation, disbursement, reporting and audit records.
- A proven factoring backbone. Interface has developed factoring software since 2003. Faktori 3.0 retains the established business logic while introducing a modern browser interface.
- A user-friendly web experience. Clients and bank users work through searchable, configurable tables and familiar factoring functions without installing a separate desktop client.
- Configuration instead of one fixed process. Institutions can choose the level of verification, client involvement, joint authorisation and automation by client or agreement.
- Country adaptation without rebuilding the factoring process. The connector can reflect local authentication, XML structures and status models while Faktori preserves a consistent operating workflow.
FaktAI Decision Support
FaktAI is an in-house AI capability developed by Interface and built directly into the Faktori 3.0 platform. One practical example is its limit-increase module, which identifies and ranks candidates for a limit increase and explains the basis for each recommendation, while final approval remains with the bank’s specialists. FaktAI can also simplify the automatic matching of incoming payments with outstanding invoices, reducing manual work and accelerating reconciliation.
Further FaktAI features are planned to automate additional factoring workflows and support faster, better-informed decisions. Each implementation is adapted to local legislation, available technical services and the financial institution’s approved operating model.
Faktori and FaktAI are fully in-house solutions: your data remains securely on your own servers or within your chosen cloud environment. Neither Interface nor FaktAI collects or retains your operational data.
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Product Marketing Manager at Comarch
Factoring Platform
- Interface Kft.
- 1039 Árpád utca 64, Budapest, Hungary
- Phone: +381 64 612 00 14
- Email:pronk@interface.hu
