Everything Finio does, on one page.

Automated setup

Connect Xero and send your first invoice. Finio reads your chart of accounts and supplier records itself — no supplier mapping, no rules session, no go-live date.

There is no step three

Setup cost is what decides whether AP automation is worth attempting across a group at all. Removing it is the first feature, not a nicety — a new site or a new entity starts the same day.

Email & upload

Suppliers email invoices straight in; finance uploads anything that arrives another way. Every document lands in the workflow the moment it exists.

Photo capture on site

Whoever takes the delivery photographs the note where they stand — a manager, a supervisor, anyone on site. Read, coded and matched in real time, with no Xero licence and no training.

Line-level coding

Every line is read and coded to the right account, and every code comes with its reason written down — why the gloves went to consumables, why the blue roll didn’t. Nobody else shows the working.

Cost tracking for operations

Site managers see their own spend by day, week and month — per supplier, per category. They enter their sales and watch their GP live, while the month is still running.

Purchase orders

Record an order in seconds from the supplier's own price list, and the invoice matches itself against everything still owed on that supplier — not one order at a time. Price and quantity exact; matched lines arrive already coded.

Two-sided matching

Finance holds the supplier's invoice. The site uploads whatever they have — the order, the delivery note, or their own copy of the invoice — and Finio matches the two in real time, flagging every difference. No purchase order required — and if you do raise one, it matches against that too.

Credit notes

Short deliveries and rejections are tracked from the day they happen, so the credits you're owed get chased while they're still worth chasing — not written off at month-end.

Line by line, in real time

Supplier statements are matched line by line against your live Xero ledger as they arrive: missing invoices, duplicates, unapplied credits, and amounts that agree on the reference but not the value.

Real time, two-way

Bills and journals post to Xero as they're approved. Changes in Xero flow back. Xero stays the source of truth — your accountant's view never moves.

Nothing imported, nothing exported

No CSV round-trips at setup or at month-end. The connection is the official Xero API, granted by you and revocable by you from inside Xero at any time.