Invite-only early access

Invoices in.
DATEV-ready books out.

Paylo reads every incoming invoice — PDF, phone photo or e-invoice — checks the maths and the mandatory fields, flags fraud, routes approvals, and prepares the payment and the export for your Steuerberater.

No credit card · Free during early access

Incoming invoicesExample
MW
Müller Webdesign GmbH
Freelancer · checks passed
€1,090.00
Approved
GA
Google Ads
Ad Spend · checks passed
€3,200.00
Approved
NO
Notion
SaaS · checks passed
€192.00
Approved
VP
Vega Productions
Vendor · net + VAT ≠ total
€7,800.00
Review
Illustrative example data
Checked on every invoice
Net + VAT = total✓
IBAN checksum✓
USt-IdNr. (VIES)✓
Reads PDF invoices Phone photos & scans XRechnung / ZUGFeRD Invoices from Gmail
📋Append-only audit log
|
🗄Originals kept 8 years
|
🛡️No bank login storage
|
🇪🇺Data hosted in the EU

For your Steuerberater

Books your accountant
can actually use.

Paylo hands over structured data and the original documents — not a pile of PDFs.

📊
DATEV export
Buchungsstapel in DATEV's EXTF format with SKR03 or SKR04, one booking line per VAT rate, invoice number and invoice date. Optionally one Kreditoren account per vendor.
🗄
Archive built around GoBD
Every original is stored unchanged with a SHA-256 fingerprint and cannot be altered or deleted during the 8-year retention period. One-click archive export with index, audit log and a Verfahrensdokumentation template.
🔢
The maths is checked
Line items → net → VAT → total are recalculated. If a figure doesn't add up, the invoice goes to a person and is kept out of automatic payment and the DATEV export until it's reviewed.
📑
§14 UStG mandatory fields
Supplier and recipient details, tax ID, invoice number and date, VAT breakdown — missing items are flagged before you pay, so input-VAT deduction isn't put at risk. Supplier USt-IdNr. is checked against EU VIES.

Account numbers and tax keys in the export are suggestions to confirm with your Steuerberater. Paylo supports your GoBD obligations; it is not a certification and does not replace tax advice. AI reading can be wrong — that is why unclear invoices go to a human.

For Steuerberater & Kanzleien

One login.
All your Mandanten.

You look after many companies. Paylo gives each of them structured, checked invoices — and gives you one place to work through all of them.

✉️
Your clients invite you
Each company gives your email address access from its account settings — you set nothing up. They stay in control and can withdraw access at any time, with immediate effect.
🏛
All Mandanten, one login
One overview of every company that invited you: invoices received, what is waiting for review, items with warnings, date of the last receipt. Open any invoice and its original document.
📦
Month-end in one click
Download a DATEV package for all Mandanten at once — one Buchungsstapel per company, because DATEV imports per Mandant — plus a summary of what was booked and what was held back. GoBD archive per company.
🔒
Read-only and logged
No payments, no bank data, no settings. Every export and every document you open is recorded in the client's audit log, so both sides can see who accessed what.

Your Mandanten need a Paylo account to invite you. Account numbers and tax keys in the DATEV files are suggestions you confirm with each Mandant. Paylo is not a certified product and does not replace your professional judgement.

Request access for your Kanzlei →

Security

Built to be checked,
not just trusted.

What we actually do — see the security page for the details.

⚡
Automated fraud checks
Duplicate invoices, amounts far above a vendor's usual, first invoices from new vendors, changed bank details, invalid VAT IDs and incomplete invoices are flagged for review before payment.
🏦
You authorise every payment
Payments go through a licensed Open Banking provider (Yapily). Each payment is confirmed by you in your own bank (strong customer authentication) — Paylo cannot move money on its own. Prefer manual? Download a SEPA file instead.
📋
Append-only audit log
Every approval, change and payment is logged with time and actor. The database itself rejects edits and deletions of log entries. Export as CSV any time.
👁️
No bank login stored
Paylo never sees or stores your online-banking credentials. Bank and mailbox access tokens are encrypted with AES-256-CBC and can be revoked at your bank or in your Google account at any time.
🔒
EU hosting, isolated data
Application server at Hetzner in Finland, database at Supabase in Ireland — both inside the EU. TLS 1.2/1.3 in transit, row-level security on every table so each business only sees its own data.
✅
Approval before payment
Set auto-approval limits and monthly caps, and route larger invoices through multi-step approval chains. Approvers decide with one click from an email — no account needed.

What Paylo covers

Every kind of invoice
your business receives

Freelancers, subscriptions, ad platforms and suppliers — in one inbox.

🧑‍💻
Freelancers & Contractors
Invoices read automatically; approved under your limit, otherwise sent to you for a decision.
DesignCopyDevVideo
☁️
SaaS & Subscriptions
Recurring invoices read, categorised and routed through the same rules every month.
NotionFigmaAdobe
📣
Ad Spend
Meta, Google and LinkedIn invoices read and categorised; assign them to a client.
Meta AdsGoogle AdsLinkedIn
🏢
Vendors & Suppliers
Printers, studios, event companies — with vendor bank details collected through a self-service portal and a full approval flow.
ProductionPrintEvents

How it works

Send invoices in.
Paylo does the checking.

Three steps from inbox to books.

1
Send invoices in
Upload a PDF, phone photo or e-invoice, or connect Gmail and let Paylo pick invoices out of your inbox. The original is archived unchanged.
2
Paylo checks
AI reads the invoice, then the totals, VAT, IBAN, VAT ID and mandatory fields are verified. Anything doubtful waits for a person.
3
Approve, pay, export
Approve under your rules. Authorise the payment in your bank or download a SEPA file. Send the DATEV export to your Steuerberater.

Early access

Be among the first
100 businesses.

Invite-only · Free during early access · Onboarding one by one.