Spend becomes visible too late
Commitments appear only when the invoice arrives, even though budget and cash were affected earlier.
For mid-sized and large companies and organisations – and their accountants
Connect finance, purchasing, legal and projects in one platform
Stop stitching together separate systems by hand. Fiatto brings purchasing, legal, projects and finance – including IFRS compliance – together in one clear platform. So you work more efficiently, stay in control of your processes and always have up-to-date information.
Or first compare your figures with your industry for free — no account needed
Data in the EU · GDPR-compliant
fiatto.app
- Nine accounting integrations — from Moneybird to SAP S/4HANA
- Available in 6 languages
- Every change tested at scale: 200,000+ journal lines
Finance should not discover what happened after the fact
Fragmented processes turn finance into a repair team. Fiatto connects policy, execution and financial processing in one controlled chain.
Approvals are scattered
Email, Teams and spreadsheets do not add up to a reliable audit trail.
Systems tell different stories
Procurement, sales, banking, projects and accounting do not reconcile by themselves.
Close remains manual work
Finance reconciles and substantiates numbers that could have been reliable from the start.
One financial chain. Three ways to gain control.
Start with the process that needs attention today. The same transactions then feed payments, reporting and financial statements.
Buy & pay
Procurement in control
Request → four-eyes approval → automatic PO to the supplier → receipt → invoice. Three-way matching, zero-touch AP below your ceiling, and an invoice mailbox that reads e-invoices (UBL, XRechnung/ZUGFeRD) and PDF invoices (OCR) and catches duplicates.
- Internal controls & fraud prevention
- Spend insight & savings
Sell & get paid
Sales & receivables
From an AI-drafted quote out of a customer email to online sign-off, a VAT-correct invoice (domestic, reverse-charged, EU, export, US sales tax) and the ledger. Receivables management with aging, DSO and multilingual dunning by email, letter, WhatsApp or SMS, a customer portal where your debtor views invoices and pays directly, and automatic SEPA direct debit with a mandate your customer issues online. If payment still fails to arrive, you build a collections dossier in one click — through to an interest-and-costs note, writing off bad debt and reclaiming the VAT (art. 29).
- Banking & payments — from statement to SEPA
- Accounting bridge — nine packages
Steer & report
Accounting bridge — nine packages
Post both purchase and sales invoices through to Moneybird, Exact, AFAS, Twinfield, QuickBooks, Xero, NetSuite, Sage Intacct or SAP S/4HANA (cloud and on-premise) via a single connection. RGS translates your chart of accounts, with a dry-run preview before posting. And you steer from the same numbers: the CFO cockpit gives you a 13-week cash forecast and a 12-month commitments forecast, with budget versions you approve with four-eyes.
- Accounting bridge first, own ledger optional
- CFO cockpit & Planning and Control
How it works
Fiatto works on top of your existing accounting system. You do not have to replace Exact, AFAS, Twinfield, Moneybird or SAP: approved transactions are posted through under control. The own ledger is optional — a shadow control layer, not a forced rip-and-replace.
Posts through to:
Moneybird · Exact · AFAS · Twinfield · QuickBooks · Xero · NetSuite · Sage Intacct · SAP S/4HANA
Complete the basic setup
Cost centres, budgets, approval thresholds and ledger mapping — the setup guide walks you through it, usually within a day.
Walk the core chain once
Submit one real request and follow it from decision to posting: approval, purchase order, receipt, invoice and posting into your package. After that, everyone knows how the chain runs.
Work and expand in the same chain
The team requests (or lets AI fill in the form), approvers decide with budget and policy in view, and invoices match to order and receipt and post through automatically. Turn on expansion modules when your organisation is ready.
Everyone works from the same financial reality
Less repair work for finance, earlier insight for management and a traceable route from decision to posting.
For CFOs
Cash, margin, commitments and risks visible before the month is over.
For controllers
Reconciled numbers, drill-down to source and fewer manual reconciliations.
For finance teams
One work queue for requests, invoices, payments and exceptions.
For accountants
A frozen file, read-only audit workspace and complete audit trail.
Start where the friction is greatest
Begin with one process and add modules, entities and users later. No financial big bang.
The core chain
From decision to posting — this is what Fiatto does by default. Complete the basic setup, walk the chain once, and every next transaction follows the same controlled trail.
- 1Request
- 2Approval
- 3Purchase order
- 4Receipt
- 5Invoice
- 6Accounting
Expand later
Same chain, more domains. Turn modules on when your organisation is ready.
Sales & receivablesProjects — one project, one marginCFO cockpit & Planning and ControlHR & payroll in oneCSRD-ready ESGInventory & productionBuildings & fleetFinance depth your accountant trusts
Expand later: IFRS 16, inventory, production, HR & payroll, ESG, contracts, tenders, fleet, buildings and claims.
See the full process line — from procurement to annual accounts →Accounting bridge first, own ledger optional
By default Fiatto posts into your existing package. The own ledger is an opt-in control layer if you need more depth — not a rip-and-replace.
Money back from day one
Start without changing your accounting
Still on the fence? Create a free account and let Fiatto screen an export of your purchasing and sales data in a separate, read-only scan environment for overpayments, duplicate invoices and missed revenue — nothing is posted and your existing accounting stays untouched. Foreign VAT isn't left on the table either: Fiatto flags recoverable EU VAT per country, with threshold and deadline monitoring and an exportable filing dossier.
For accountants
Work with your accountant without trading exports
Accounting firms manage multiple clients from one secure environment. Each client keeps its own data, roles and policy; the accountant gets exactly the control information they need.
Explore Fiatto for accountantsPricing model
Modular, without forced upgrades
Start with the processes that need attention now and expand when your organisation is ready. We make clear in advance which modules, entities and integrations are included in your proposal.
Core
€19per month
up to 10 users
- The full purchasing chain: request → order → receipt → invoice
- Order like a webshop: search-first, with a basket and approval flow
- Invoices that match the order and receipt post through without manual work
- Invoice mailbox that reads e-invoices and PDFs and catches duplicates
- Supplier portal: self-service onboarding & one-click invoice from a confirmed order
- Hard budget checks, immutable audit trail & four-eyes approval
Pro
Recommended starting point€39per month
up to 25 users
- Everything in Core
- Accounting bridge to 9 packages (Moneybird, Exact, AFAS, Twinfield, QuickBooks, Xero, NetSuite, Sage Intacct, SAP S/4HANA) with RGS
- Sales & receivables: quote → invoice → your books, with dunning (QR pay code), disputes, payment promises & payment forecasting
- Assets, buildings & fleet (RDW/BAG/EP-Online) + maintenance planning & damage claims
- Inventory & supplier catalogues
- HR basics: employee files, contracts, leave & hours
- CFO dashboard, spend insight & CSRD/ESG reporting
Best-in-class
€69per month
unlimited users
- Everything in Pro
- Banking & treasury: CAMT/MT940 import, automatic reconciliation, SEPA payments & direct debit, dynamic discounting & sanctions screening
- Own general ledger with hash chain: multi-GAAP, IFRS 10 group consolidation, VAT/CIT fiscal unities & VAT corrections
- IFRS 16 lease accounting, audit-ready (lessee & lessor, multi-CPI, ASC 842 in parallel)
- Draft financial statements (micro/small/medium-sized), fixed assets, share register & auditor workspace
- Contracts, tenders & renewal desk: contract as price source, sealed bidding & one-click retendering
- Projects, planning & control, production, payroll & sector modules (public-transport operators, fire-service readiness)
- AI agents with review queue, spend Q&A assistant, Power BI feed & partner/accountant mode
Larger firm or enterprise requirements (SAP, SSO, SCIM)?
No-surprises guarantee
- Every price change announced at least 30 days ahead — with the right to cancel free of charge
- Never a forced upgrade to a pricier plan based on your usage volume
- Your data is always exportable — even if you leave
Built for Dutch and European requirements
Demonstrable, not just promised — see the proof for yourself.
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- Data in the EU (Frankfurt) and GDPR-compliant
- Immutable audit trail and four-eyes principle
- Public AI transparency register (EU AI Act)
- Open status page with live system status
- Enforceable MFA & SSO, SCIM provisioning and RBAC down to the database
- Counterparties continuously screened against international sanctions lists (including OFAC/UN) and monitored for KvK status (Dutch Chamber of Commerce) — alerts land in a review queue
- AI proposes; people execute — per signal and per action you decide what the AI may do, and execution always takes a human click
- Payments (SEPA), payroll runs and tax filings can never be executed by the AI — that boundary is fixed in code, above any setting
- Every executed AI action leaves a double audit trail: the action itself and the AI execution — exportable for your accountant
Frequently asked questions
Do I have to replace my current accounting software?+
No. Fiatto connects to nine accounting packages (Moneybird, Exact, AFAS, Twinfield, QuickBooks, Xero, NetSuite, Sage Intacct and SAP S/4HANA — cloud and on-premise) via RGS ledger mapping and posts through to your existing package, with a dry-run preview before anything is posted. Coming from Exact, AFAS, Moneybird or SAP? A guided migration path walks you through the switch step by step.
How long does setup take?+
Usually within a day. Complete the basic setup — cost centres, budgets, approval thresholds and ledger mapping, guided by the setup wizard — then walk the core chain once, from request to posting. Every transaction after that follows the same trail.
What about security and control?+
An immutable audit trail, four-eyes approval, EU hosting and a public AI transparency register (EU AI Act). You can always see who did what, and when.
Does the AI make decisions without me?+
No. The AI suggests and recommends, but people decide. Approvals and postings require human sign-off — with four-eyes wherever you set it.
Is Fiatto just for procurement?+
No. Fiatto started as a procurement platform, but now covers the entire cash flow: procurement, sales and receivables, an own ledger with multi-GAAP and group consolidation, a complete banking module with SEPA payments, fixed assets, IFRS 16 lease accounting, project management with its own P&L, inventory and production, HR and payroll, and CSRD-ready ESG — up to and including draft Dutch statutory financial statements (BW 2, micro, small and medium-sized entities). You start small with procurement and grow as you're ready.
I'm an accountant managing multiple clients. Is that possible?+
Yes. In partner/accountant mode you manage multiple client companies from a single account and switch securely between companies — with enforceable MFA and SSO, SCIM provisioning, RBAC down to the database and an honest Trust Center.
Bring your financial chain under control
Book a call about how Fiatto fits your current processes and accounting — or start right away with a secure, read-only scan.
US-based? See our US page →