There are daily actions that take much longer than they should. Paying bills is unquestionably one of them. Whether it is a craftsman, a manager of a small business, a self-employed person or an individual, everyone knows this series of time-consuming steps: entering an IBAN, adding a beneficiary, waiting for it to be validated, making the transfer, making the transfer, informing the supplier, warning the supplier, then putting away the supporting document... An administrative task that seems simple, but tedious in fact.
It is this reality that our managing director, Anthony Scacchetti, came to expose on the set of BFM Business, on the show Good Morning Business. “It's 2025. We all have a smartphone in our pocket. It is time to finally simplify the payment of bills,” he says with conviction.
Craftsmen, entrepreneurs, individuals: everyone receives invoices. And everyone has to pay for them. However, as Anthony Scacchetti points out, the user experience on the “payer” side remains largely neglected. “There are plenty of solutions for issuing invoices. But very few are interested in who should fix them.”
It is precisely this observation that gave rise to Bill Up, a mobile application designed to remove the friction associated with paying bills. The principle: allow any user to pay an invoice in less than 15 seconds and then file it automatically — effortlessly, without paper, without the risk of being forgotten.
The use is intuitive: when an invoice is received — by email or in paper format — all you have to do is import it into the application or take a photo of it. Thanks to our intelligent recognition technology, Bill up immediately detects all essential information : beneficiary, IBAN, amount, due date.
The user then selects the bank account from which he wishes to make the transfer, then validates the transaction in his usual banking application. “There is no longer any need to enter an IBAN or wait for the validation of a beneficiary. The transfer is instant,” says Anthony Scacchetti.
Once the payment is made, the invoice is automatically archived in Bill up, with an intelligent ranking by company, project, date or beneficiary. Everything is centralized, accessible, structured.
Behind this simplicity lie two technological pillars: computer vision, which allows the application to read and understand documents, and Open banking, which allows direct connection to more than 100 European banks via secure APIs.
But for Anthony Scacchetti, the main thing is elsewhere: “Technology should not be seen. As with a car: you don't need to understand the engine to enjoy driving. We want to save you time, not teach you how it works.”
And this time saving is real. In some banks, it can take up to 48 hours for a payee to be added manually. With Bill Up, everything is immediate, fluid, and frictionless.
Unlike large companies with ERP or dedicated teams, Bill up is aimed at profiles that are often left out : self-employed workers, small businesses, liberal professions, artisans or individuals. Those who, between two projects, a customer appointment or on the go, must still manage their administration.
“Many outsource this burden to their partner or partner”, underlines Anthony Scacchetti, for lack of time or simple solutions. That's what we want to change. Bill up allows you to get back in control, without it becoming a headache.
Proof that the problem goes beyond our borders, Bill up was presented at CES in Las Vegas, the world's largest tech show. A highlight for the team, which was able to validate the universality of the need. “Australians, Germans, Koreans came to see us, and they all told us the same thing: invoices are complicated. It's the same everywhere. And our solution is valid everywhere.”
This international recognition reinforces Bill up's ambition: to become a global reflex to simplify the payment and organization of invoices, in a world where electronic invoicing is becoming the norm but where the user experience can be improved.
Faster, easier, more mobile : Bill up gives back time to those who don't have time. No more input errors, late payments, or files that cannot be found.
