Spend becomes visible too late
Commitments appear only when the bill arrives, even though budget and cash were affected earlier.
For mid-sized and large companies and organizations
Connect finance, purchasing, legal and projects in one platform
Stop stitching together separate systems by hand. Fiatto brings purchasing, legal, projects and finance – including ASC 842 and 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.
Privacy-first, GDPR-grade · cancel anytime
fiatto.app
- Nine accounting integrations — from QuickBooks to SAP S/4HANA
- Available in 6 languages
- Every change load-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 close.
Buy & pay
Purchase-to-pay, fully in control
Request → dual approval → purchase order → receipt → invoice. Three-way matching, zero-touch AP under your threshold, and an invoice inbox that reads bills (UBL or OCR) and catches duplicates.
- Internal controls & fraud prevention
- Spend insight & savings
Sell & get paid
Sales & receivables — quote to cash
Turn a customer email into an AI-drafted quote, get online acceptance, and issue a tax-correct invoice (including US sales tax) straight to the ledger. Receivables with aging, DSO and multilingual dunning by email, letter, WhatsApp or SMS, plus an online customer portal where your customer views invoices and payment history.
- Bank & payments — statement to settlement
- Connected to your books
Steer & report
Connected to your books
Post both AP and AR to QuickBooks, Xero, NetSuite, Sage Intacct or SAP S/4HANA (cloud and on-premise) from one place. Map your chart of accounts once and post with a dry-run preview before anything's final.
- Accounting bridge first, own ledger optional
- CFO cockpit & planning
How it works
Fiatto works on top of your existing accounting system. You do not have to replace QuickBooks, Xero, NetSuite, Sage Intacct 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 to:
Moneybird · Exact · AFAS · Twinfield · QuickBooks · Xero · NetSuite · Sage Intacct · SAP S/4HANA
Complete the basic setup
Cost centers, budgets, approval thresholds and your chart of accounts — 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, PO, receipt, invoice and posting into your books. After that, everyone knows how the chain runs.
Work and expand in the same chain
Your 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 automatically. Turn on expansion modules when you're 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, bills, payments and exceptions.
For accounting firms
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 transaction after that follows the same controlled trail.
- 1Request
- 2Approval
- 3Purchase order
- 4Receipt
- 5Invoice
- 6Accounting
Expand later
Same chain, more domains. Turn modules on when your business is ready.
Sales & receivables — quote to cashProjects — one project, one marginCFO cockpit & planningRecovery scan — money back from day oneSustainability data that wins dealsInventory & productionAssets & fleetFinance depth your accountant trusts
Expand later: ASC 842/IFRS 16, inventory, production, ESG, contracts, sourcing, fleet, buildings and claims.
See the full process line — from procurement to reporting →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 books
Still on the fence? Create a free account and let Fiatto scan an export of your AP and sales data in a separate, read-only scan environment — overpayments, duplicate invoices and delivered-but-unbilled revenue. Nothing is posted; your books stay untouched.
For accounting firms
Work with your accounting firm without trading exports
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 accounting firmsPricing model
Modular, without forced upgrades
Start with the processes that need attention now and expand when your business is ready. We make clear in advance which modules, entities and integrations are included.
Core
$25per month
up to 10 users
- The full purchasing chain: request → order → receipt → invoice
- Search-first ordering with a shopping cart 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
- Vendor portal: self-service onboarding & one-click invoice from a confirmed PO
- Hard budget checks, immutable audit trail & dual approval
Pro
Recommended starting point$49per month
up to 25 users
- Everything in Core
- Accounting sync to QuickBooks, Xero, NetSuite, Sage Intacct & SAP S/4HANA (dry-run preview)
- Sales & receivables: quote → invoice, aging/DSO, dunning, disputes & payment forecasting
- Assets, buildings & fleet incl. damage claims
- Inventory & vendor catalogs
- HR basics: employee records, contracts, leave & time
- CFO dashboard, spend analytics & sustainability reporting
Best-in-class
$89per month
unlimited users
- Everything in Pro
- Bank reconciliation, payment batches, treasury cockpit, dynamic discounting & sanctions + duplicate-payment screening
- Own ledger with hash chain: multi-GAAP + group consolidation
- ASC 842 lease accounting, audit-ready (IFRS 16 in parallel, incl. lessor)
- Fixed assets, cap table & share register, auditor workspace & Power BI feed (OData)
- Contracts, tenders & renewal desk with sealed bidding
- Projects, planning & light manufacturing
- AI agents with a review queue, spend Q&A & partner/firm 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
Security and control you can verify
Demonstrable, not just promised — see the proof for yourself.
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- Privacy-first: GDPR-grade protection, EU-hosted, your data stays yours
- Immutable audit trail and dual approval (segregation of duties)
- Transparent AI — a public AI register and human sign-off on every approval
- Open status page with live system status
- Enforceable MFA & SSO, SCIM provisioning and database-level RBAC
- Counterparties continuously screened against international sanctions lists (incl. OFAC/UN) — hits land in a review queue for a human decision
- AI proposes; people execute — per signal and per action you decide what the AI may do, and execution always takes a human click
- Payments, 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 accounting software?+
No. Fiatto connects to QuickBooks, Xero, NetSuite, Sage Intacct and SAP S/4HANA (cloud and on-premise) — plus European packages like Exact, AFAS, Twinfield and Moneybird — maps to your chart of accounts and posts with a dry-run preview before anything's final. It also keeps its own internal ledger with a hash chain as an independent control layer — alongside, not instead of, your package.
How long does setup take?+
Usually within a day. Complete the basic setup — cost centers, budgets, approval thresholds and your chart of accounts, 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 SOC 2?+
Fiatto is GDPR-compliant and EU-hosted, with an immutable audit trail, dual approval, enforceable MFA/SSO and database-level RBAC. SOC 2 is underway; a security overview and DPA are available on request.
Does the AI make decisions without me?+
No. The AI drafts and recommends, but people decide. Approvals and postings require human sign-off — with dual approval wherever you set it.
Is Fiatto only for procurement?+
No. Fiatto started as a procurement platform but now covers the whole money flow: procurement, sales and receivables, an own ledger with multi-GAAP and consolidation, bank reconciliation and payments, fixed assets, ASC 842 lease accounting, project management with its own P&L, inventory and production, and sustainability reporting. Start small with procurement and grow into the rest when you're ready.
I'm an accounting firm managing multiple clients. Can I do that?+
Yes. In partner mode you manage multiple client companies from one account and switch securely between them — with enforceable MFA and SSO, SCIM provisioning, database-level RBAC 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.