For finance teams, and the sites that take the deliveries
AP automation software for UK businesses on Xero.
Supplier invoices, delivery notes and statements in one place. FINIO codes every line with its reason, flags what doesn't add up and keeps Xero current.
No signup for the sample. Upload your own with a work email.
Northfield Supply Co · invoice 884213
Illustrative example- Blue roll, 2-ply — 6 pack£17.945005 · Cleaning & hygiene
Cleaning consumable, not stock — so not in cost of sales.
- Packing cartons, medium — 200£42.505004 · Packaging & disposables
Outer packaging for goods going out — packaging, not stock.
- Replacement pump unit — 1£89.606100 · Equipment & small toolsPrice variance
A tool, not stock — equipment. Price sits above the agreed list, so it is flagged.
View all five lines →Show fewer
Source document
Northfield Supply Co
Invoice 884213 · 18 August 2026
Deliver to: Soho
Extracted
| Line | Net |
|---|---|
| Packing cartons, medium — 2005004 · Packaging & disposablesOuter packaging for goods going out — packaging, not stock. | £42.50 |
| Nitrile gloves — 6 × 2005003 · Cost of sales — consumablesUsed up in the work rather than resold — consumables. | £11.80 |
| Copier paper, A4 — 10 reams6500 · Office & adminOffice supply, nothing to do with cost of sales. | £29.64 |
| Blue roll, 2-ply — 6 pack5005 · Cleaning & hygieneCleaning consumable, not stock — so not in cost of sales. | £17.94 |
| Replacement pump unit — 16100 · Equipment & small toolsPrice varianceA tool, not stock — equipment. Price sits above the agreed list, so it is flagged. | £89.60 |
5 lines · 2.4s · 0 rules configured
No mapping requiredNo rules were set up to code these lines.
Supplier statements
2 days → 1–2 hrs
Our month-start statement run, timed in a test Xero company with real invoice volumes.
Every coded line
Shows why
A plain sentence that explains why the code was picked, so you can check it in seconds or change it.
One delivery, two versions
The van brought 8. The invoice says 10.
Your site team signs for what came off the van. Finance pay what the supplier billed. When the two don't agree, it rarely gets noticed. Here's one example.
Example delivery
- Ordered
- 10 cases
- Received
- 8 cases signed for
- Invoiced
- 10 × £18.40 = £184.00
- Difference
- 2 cases, £36.80
- Status
- On hold for review
- Outcome
- £36.80 credit note expected
This is a worked example, not a customer's figures. FINIO holds the invoice and tracks the credit. It doesn't pay suppliers or approve everyday bills.
- 01
Site team
Delivery note photographed
Whoever signs for the delivery takes a photo of the note. FINIO reads it: 8 cases arrived, not 10.
- 02
FINIO
Invoice coded and checked
The supplier's invoice lands in your finance inbox. Each line is coded, then the 10 cases billed are checked against the 8 received.
How invoice matching works → - 03
Finance
Difference held back
The invoice doesn't go into Xero yet. Finance see the 2-case gap, with the note and the invoice next to each other, and decide.
- 04
Finance
Credit chased and tracked
Finance query it with the supplier. The £36.80 stays linked to the invoice until the credit note comes in and clears it.
How credit notes are tracked →
How it works
Invoice processing software, from the inbox to the reconciled statement.
01
Capture
Inbox, upload or a phone photo on site.
Photo capture →
02
Line-by-line coding
Every line coded, with a reason you can read.
Line-item coding →
03
Credit notes
Short deliveries and returns chased to a credit.
Credit notes →
04
Statements
Checked against Xero, gaps found for you.
Statement matching →
05
Xero sync
Bills and credits posted as they clear.
Xero integration →
06
Group tasks
Payments tracked, recharges posted in both companies.
Payment tracker →
Accruals, prepayments and fixed assets are on the roadmap.
Explore the full product →See the roadmap →On site
Snap the note, then back to the shift.
Whoever signs for the delivery takes a photo of the note. FINIO reads and codes it, usually before the van has gone, so any query is ready to send that day.
- Site staff don't need a Xero licence or any training, just an email address
- Reads handwriting, faded till paper and crumpled notes
- Flags any price that's crept above your agreed list, before you pay
Delivery note
Northfield Supply Co
884213 · 18 Aug 2026
Coded
- Packing cartons500442.50
- Nitrile gloves500311.80
- Copier paper, A4650029.64
- Blue roll, 2-ply500517.94
Explore by task
Choose a job. See how FINIO handles it.
Capture and coding
Automated invoice processing that gives every line its own code. It works the same whether the invoice comes by email, upload or a photo at the door.
ExampleBlue roll, 2-ply → 5005 Cleaning & hygiene. "A cleaning item, not stock, so it stays out of cost of sales."
Delivery and invoice matching
The delivery note is checked against the supplier's invoice, and any gap is shown before it reaches Xero. No purchase order needed, but if you raise one, it's checked too.
Example10 ordered, 8 delivered, 10 invoiced. Held, with the 2-case gap shown.
Statements and credits
Each supplier statement is checked against Xero. Missing invoices are found and a chasing email drafted. Credits stay tied to the shortage they cover.
ExampleFive lines: four match, one invoice is missing from Xero, and the request for a copy is drafted.
Payments and group tasks
See where every supplier payment stands. Enter a recharge between two of your companies once and it lands in both Xero files. Move costs between departments with sign-off.
ExampleLeeds recharges Bristol £285.00 for scissor lift hire. Entered once, posted in both.
Capture and coding
Capture and coding
Automated invoice processing that gives every line its own code. It works the same whether the invoice comes by email, upload or a photo at the door.
ExampleBlue roll, 2-ply → 5005 Cleaning & hygiene. "A cleaning item, not stock, so it stays out of cost of sales."
Delivery and invoice matching
Delivery and invoice matching
The delivery note is checked against the supplier's invoice, and any gap is shown before it reaches Xero. No purchase order needed, but if you raise one, it's checked too.
Example10 ordered, 8 delivered, 10 invoiced. Held, with the 2-case gap shown.
Statements and credits
Statements and credits
Each supplier statement is checked against Xero. Missing invoices are found and a chasing email drafted. Credits stay tied to the shortage they cover.
ExampleFive lines: four match, one invoice is missing from Xero, and the request for a copy is drafted.
Payments and group tasks
Payments and group tasks
See where every supplier payment stands. Enter a recharge between two of your companies once and it lands in both Xero files. Move costs between departments with sign-off.
ExampleLeeds recharges Bristol £285.00 for scissor lift hire. Entered once, posted in both.
Who it's for
Five roles. One invoice they all touch.
Finance directors
Spend for every site and company in one view, with differences held before they reach Xero.
For finance directors →
Finance teams
Statements reconciled before you open them. Get the first week of the month back.
For finance teams →
Site teams
Take a photo of the delivery note and get on with service. Nothing new to learn.
For site teams →
Accountancy practices
Run FINIO for all your clients from one free dashboard. Partner places are by waiting list.
For accountancy practices →
Owners
You run the business and do the books yourself. FINIO codes every supplier invoice and checks your statements against Xero.
Live connections
Works with Xero and your finance inbox.
Accounting
Xero
- Reads
- Your chart of accounts, suppliers, bills and ledger.
- Posts
- Authorised bills, credit notes, and journals for recharges and transfers.
Inbox
Microsoft Outlook
- Reads
- Invoices and statements sent to your finance inbox.
- Posts
- Nothing. Chasing emails are drafted, and you press send.
Inbox
Google Mail
- Reads
- Supplier invoices and statements from your Gmail inbox.
- Posts
- Nothing. Chasing emails are drafted, and you press send.
Sage 50 and QuickBooks are on the way, along with NetSuite and till systems. FINIO connects through Xero's official API; this isn't an endorsement by Xero.
The Xero integration in detail →All connections, live and planned →Your current setup
Drop Dext and the spreadsheets.
Today
- DextCapture and coding
- ApprovalMaxApprovals
- XeroThe ledger
- SpreadsheetsMonth-end checks
Three subscriptions. Month-end still in spreadsheets.
With FINIO
- FINIOCapture → code → match → reconcile → group tasks
- ApprovalMaxApprovals, until ours go live
- XeroThe ledger
Dext and the spreadsheets replaced. Statements checked for you.
Approval routing for everyday supplier bills is on our roadmap. Until then, keep the approval process you use now.
Pricing
What you pay for, and what you don't.
Per document
Each invoice, credit note or statement FINIO reads counts once. A 40-line invoice costs the same as a 1-line one.
Unlimited users
Invite everyone who touches an invoice, from site managers to your accountant. More people, same bill.
No fee per site
A new site is free until its first document comes through.
We're agreeing rates with our first customers, so prices are shared on a short call for now. No card needed to try the demo.
Who built it
Built by an accountant and an engineer.
Darsh Bhatt is an ACCA finalist. He spent two and a half years in the finance team of a Michelin-starred restaurant group with several London sites. Every month he closed the books and reconciled the same supplier statements by hand. Before that he worked in operations, signing for the deliveries FINIO now checks. His co-founder, Jasmin Shukla, is a senior full-stack engineer and FINIO's CTO. Every figure on this site is either marked as an example or published with how it was measured.
Questions
Asked before the call.
What is AP automation software?
AP (accounts payable) automation software does the manual work of handling supplier bills for you. It reads each invoice, enters it into your accounting system, checks it against what was delivered and reconciles supplier statements. FINIO is AP automation software for UK businesses on Xero, and it shows the reason behind every line it codes.
What does FINIO do?
FINIO is accounts payable automation for UK businesses that run on Xero. It reads supplier invoices line by line, codes each line to your chart of accounts, checks the invoice against the delivery note and posts it to Xero. It then tracks credit notes, reconciles supplier statements and posts recharges between your companies. FINIO is a trading name of KRBUK Limited.
Is FINIO right for my business?
If you're a UK business on Xero that pays supplier invoices, yes. UK teams can run it for one company or a whole group. It saves the most time where deliveries come from many suppliers across several sites or companies, such as restaurant, hospitality and retail groups. It doesn't handle staff expense claims.
Which accounting software does FINIO work with?
FINIO works with Xero, through Xero's official API. Sage 50 and QuickBooks are on the way. FINIO also collects invoices and statements straight from Microsoft Outlook and Google Mail inboxes.
How long does it take to set up?
It depends mostly on how many suppliers you have. In two test runs it took 40 minutes and 1 hour 20 minutes. You connect Xero, and FINIO studies your past bills and suppliers to draft its own coding rules, then starts using them. Your finance team can review or change the rules whenever it wants, and nothing waits for that. There's no supplier mapping to do by hand.
How is FINIO different from other accounts payable automation systems?
Most accounts payable automation systems learn from your corrections after you go live. FINIO learns from your existing Xero history first, so its coding makes sense from the first invoice, and each code comes with a written reason. It also covers jobs many tools leave out or charge extra for: delivery checks, credit chasing, statement reconciliation and recharges between companies.
How is FINIO different from Dext and ApprovalMax?
Dext captures and codes documents. ApprovalMax sends bills for approval. FINIO captures and codes every invoice line too, then handles what falls between those tools: checking deliveries, chasing credits, reconciling statements and posting recharges between companies. Approval routing for everyday bills isn't live yet, so keep ApprovalMax for that for now.
How much does FINIO cost?
Pricing is based on the documents FINIO reads. Users are unlimited and sites don't carry their own fee. We're agreeing rates with our first customers, so we share them on a short call.
Is my data safe, and do you train AI on it?
FINIO is UK-hosted and does not train AI models on customer data. Anything you upload to the demo is read in memory, then deleted. It is never stored. Our security page lists every company that handles data for us and where it runs.
Try it on one of your invoices.
Uploads need a work email and are deleted once read. Prefer to talk? Email info@getfinio.co.uk.