Gapless numbering
Invoice numbers run without gaps, per project, so an auditor can account for every one of them.
Divako Settlement · Invoicing and payments
From a settled period to money in the account.
Numbered invoices, delivered, paid and matched – with a running view of whatever is still outstanding. This is the optional end of the chain. The allocation layer works perfectly well without it, and plenty of customers use only that.
- Settled period frozen lines
- Invoice issued numbered · immutable
- Delivered email · status tracked
- Paid card · Vipps · bank
- Matched camt · payment reference
- Still open? reminders · receivables
Documents
Your logo. Your terms. Our maths.
Every document Settlement produces carries the cooperative's or the property manager's own identity, not ours. Residents never see a Divako invoice, and they never sign in anywhere – they receive a document and, if you want it, a link to pay.
- Logo and company block
- Payment terms and due dates
- Document titles and footer text
- A full invoice, or a consumption statement without amounts due
Immutability
An invoice you can defend in a year.
Invoices are minted from the frozen lines of a settled period, never from a live recalculation. That is what makes the number on a resident's invoice the same number a year later, when somebody finally asks about it.
Invoice · Apt 2A · March 2026
expanded
Common water · by floor area
6.40 €
- Building main 412.6 m³ − Σ apartments 381.7 m³ = 30.9 m³
- Rule: split by floor area · Apt 2A is 86 m² of 416 m²
- 30.9 m³ × 20.7% × 1.00 €/m³ = 6.40 €
Corrections are credit notes
Nothing is edited in place. A mistake is corrected by issuing a credit note, which leaves both documents in the record.
Byte-identical resend
A resent invoice is byte-for-byte the document the recipient first received – not a fresh render that might differ.
Full audit log
Who settled, who issued, who exported, who revealed personal data, and when.
Delivery and payment
Send it. Get paid.
The resident pays from a link on their own invoice. There is no portal to sign into, no account to create, and nothing for the board to chase manually.
Email delivery
Invoices go out by email, with delivery status tracked per dispatch so you can see what actually arrived.
Card payment
An online card checkout powered by Stripe. The payment is recorded against that invoice automatically.
Vipps
Norwegian payers can settle with Vipps from the same link.
KID payment references
Norwegian invoices carry a correct KID reference, so a plain bank transfer still lands against the right invoice.
Reconciliation
Payments land where they belong.
Bank files come in, payments attach themselves to invoices, and what is left over is a short list of things that genuinely need a human.
Bank-file reconciliation
ISO 20022 camt files are read and matched against outstanding invoices.
Payment-reference matching
A payment carrying the right reference is attached to its invoice without anyone touching it.
Reminders and dunning
Overdue invoices go through a reminder sequence you configure.
Receivables overview
What is outstanding, and how old it is, per project and across a portfolio.
Partner-first
Already have a billing system? Keep it.
We would rather feed your invoicing than replace it. Invoicing for housing cooperatives is well served by established partners in several of our markets, and we work with them rather than against them. Take the allocation layer, leave the rest where it is.
Partner API
A documented, key-authenticated REST API that serves settled billing documents in the shape the partner asks for, with its own live API documentation.
Export
CSV and JSON export of settled allocation lines, per period and per project.
A feed in your format
Where a partner has a fixed import format, the feed is shaped to it rather than the other way round.
What Settlement does not do
Settlement reads from your source systems and never writes back over your platform data. It does not replace an accounting ledger, and it is not a collections agency – it produces reminders and a receivables position, not debt collection.
Next
See the whole chain on one of your own periods.
Bring one building's supplier bill and a month of readings. We'll show the allocation, the invoice and the audit trail in the same session.