Spend becomes visible too late
Commitments appear only when the bill arrives, even though budget and cash were affected earlier.
For mid-sized & large organizations · and their accounting firms
One controllable chain — on top of your existing books
Finance sees every commitment before the invoice, every approval with who and when, and every posting with a trail back to its source — in the books you already keep, no new ERP.
Privacy-first, GDPR-grade · cancel anytime
fiatto.app
- Nine accounting integrations — from QuickBooks to SAP S/4HANA
- Dry-run preview before every posting to your books
- Every change load-tested at enterprise volume: 2 million journal lines and 500,000 invoices
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
No surprises at invoice time: dual approval before a commitment exists, matching on PO and receipt, 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
Quote to cash in one trail: tax-correct invoices (including US sales tax), dunning that runs by itself and a customer portal where your customer views invoices and payment history — with aging and DSO live.
- Bank & payments — statement to settlement
- Dunning, customer portal & payment history
Steer & report
Connected to your books
Approved AP and AR post through to the books you already keep — QuickBooks, Xero, NetSuite and Sage Intacct on Pro, SAP S/4HANA on Enterprise — with a dry-run preview before anything's final. Your own ledger stays optional.
- Accounting bridge first, own ledger optional
- CFO cockpit & planning
- The core chain:
- Request
- Approval
- Purchase order
- Receipt
- Invoice
- Accounting
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 Online · AFAS · Twinfield · QuickBooks Online · 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.
Who decides and is accountable
- 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.
Who works in it every day
The chain only works if the organisation works in it. That is why the first step is light for everyone.
- Requesters and buyers
- A request in a few minutes: AI fills the form from an email or quote, and the status is visible without chasing.
- Budget holders and approvers
- Decide with budget, policy and contract in view, in one click.
- Procurement, contract and tender managers
- The contract as price source, a sealed bidding portal and re-tendering in one click.
- Project managers
- One project, one margin: commitments and costs visible immediately, not only at invoice time.
- Facilities, fleet and HR management
- Report via QR or form, and the posting follows by itself. Expansion modules you switch on when you are ready.
Money back from day one
Start without changing your books
Still on the fence? Create a free account and let Fiatto screen your AP and sales export in a separate, read-only environment for overpayments and duplicate invoices. Nothing is posted; your books stay untouched.
Sample scan result
Sample demo data · Fiatto Demo Ltd
- Duplicate invoices
- $13,400
- Overpayments
- $9,450
- Missed revenue
- $3,450
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.
- Multiple clients in one firm workspace
- Read-only audit workspace with a full audit trail
- Volume discount as you bring more clients
Firm workqueue
- Fiatto Demo LtdReview open
- North HoldingsMonth closed
- Delta GroupPBC delivered
Pricing model
Modular, per entity — without forced upgrades
You pay per entity, not per organization. Start with the processes that need attention now and expand when your organization is ready — add entities, modules and users when you want. We make clear in advance what is in your proposal.
See all prices and the guarantee →Frequently asked questions
The questions we hear most often before a team gets started.
Do I have to replace my accounting software?
No. Fiatto sits on top of your existing books and your existing processes: request, approval, document and posting form one controllable trail, and approved entries post through to the package you already use — QuickBooks, Xero, NetSuite, Sage Intacct or SAP S/4HANA — with a dry-run preview before anything's final. Your books remain the source of truth; switching later is possible, never required.
Is the data scan really read-only?
Yes. The secure data scan runs in a separate environment on an export of your data. Nothing is posted and your existing books stay untouched. You see what Fiatto finds first; only then do you decide whether to continue.
How long does setup take?
Usually within a day. Set up the basics — cost centers, budgets, approval thresholds and your chart of accounts — then walk the core chain once, from request to posting; every transaction after that follows the same trail. Extra modules you turn on later, with no re-setup.
Can I add modules later?
Yes. You start with the core chain and turn on expansion modules when your organization is ready: your plan determines what you're allowed to use, activation what you see. Specialist modules such as ASC 842, consolidation and payroll are add-ons on Complete; if you turn something off, the data stays.
Does Fiatto work with my accountant?
Yes. Your own accountant or firm can review or collaborate from a partner environment, and your external auditor can get a read-only audit workspace on request — with no way to change anything in the books.
Can I run non-US entities in Fiatto?
Yes. European entities work out of the box — including Dutch and Belgian charts of accounts and VAT — with group consolidation, intercompany invoicing and netting across entities, and multi-GAAP books in parallel.
Can I cancel anytime?
Yes. With monthly billing you can cancel anytime — no long-term contract. Choose yearly billing to save two months; the subscription then runs per year. You always start with a free trial.
What about security and SOC 2?
An immutable audit trail, dual approval wherever you set it, and EU hosting (Frankfurt). SOC 2 is underway; a security overview and DPA are available on request. You can always see who did what, and when.
Does the AI make decisions without me?
No. The AI helps — for example by drafting a purchase request or invoice proposal — but people decide. Approvals and postings require human sign-off, with dual approval wherever you set it. How we govern AI is explained openly on our AI and Trust Center pages.
How does Fiatto help prevent fraud and errors?
With layered controls: a delegation-of-authority matrix sets who can approve up to which amount, dual approval wherever you configure it, and segregation-of-duties analysis flags risky permission combinations. Detectors catch duplicate invoices and requests and raise the alarm when a vendor's bank account changed right before a payment. Counterparties are continuously screened against sanctions lists, and everything is recorded in an immutable audit trail.
Security and control you can verify
Your data stays yours: hosted in the EU (Frankfurt) today, protected to GDPR-grade standards and exportable at any time — a US region is on our roadmap. Sub-processors, access control, the audit trail and the limits of the AI are documented in the Trust Center — demonstrable, not just promised.
Trust Center →Loading status…
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.