Capisso
AI bookkeeping software that captures, codes and posts receipts and bank lines into a real double-entry ledger. Built for Irish accounting practices, sole traders and small businesses, with VAT3, VIES and reverse-charge rules handled inside the flow.
What is Capisso?
Capisso is an AI bookkeeping platform published by Capisso Limited, an Irish company based at the Rubicon Centre on the Munster Technological University campus in Cork. It speaks to two audiences at once: Irish accounting practices, and the sole traders and small businesses those practices serve.
The product thesis is stated flatly on the homepage — “You're an advisor. Not an admin.” Software agents capture, code and categorise the daily paperwork continuously, and pass upward only what genuinely needs a person: “Capisso captures, codes and posts the daily admin to a real ledger. You review and advise.”
What separates it from a receipt scanner is where the work lands. Every document and every bank line is posted into a real double-entry ledger — debits, credits, supplier control account — rather than into a dashboard sitting beside the books. The site is explicit: “Every document and bank line lands in a real double-entry ledger, posted and ready.” The same design shows in the question answering: ask what you owe next, and the answer is drawn from posted entries, not from a summary tile.
Documents arrive two ways, by WhatsApp photo or by email, and bank lines arrive through open banking. Whatever the agents cannot settle surfaces in a review queue, which is the only place a human is expected to spend time. The rest of the interface is organised into Reports, Purchases, Invoices, Contacts, Products, Banking, Accounting and Settings.
Irish tax handling sits inside the flow rather than bolted on top — “Irish rules are not an afterthought.” VAT3, VIES, reverse charge and capital allowances are treated as part of the posting work.
The company was incorporated on 30 March 2021 under Irish company number 691522, while the product itself has been online since 2025. The team named publicly is small: Pratheesh, CEO and founder, and Anbu, CTO, working to three stated principles — ledger first, review rather than data entry, close to the work. The homepage claims more than EUR 360 million recorded across over 1,010 client entities, figures no external source confirms.
What it does
- Captures receipts and invoices sent in by email or by WhatsApp photo
- Codes and categorises each document automatically against the chart of accounts
- Posts the resulting entries into a real double-entry ledger, debits and credits
- Reconciles bank lines pulled in through an open banking connection
- Tracks Irish tax deadlines, including VAT3 and Form 11
- Flags anything it cannot settle into a human review queue
- Answers plain-language questions using the posted ledger rather than a dashboard
When to use Capisso / When not to
A quick filter to help you decide if Capisso is the right fit.
When to use Capisso
- Irish accounting practices buried in data entry, document chasing and transaction coding
- Sole traders who arrive with a shoebox of receipts and no bookkeeping process at all
- Small businesses that want to know their VAT position before the VAT3 deadline, not after it
- Bookkeepers who would rather work a queue of exceptions than key in every line by hand
- Founders and freelancers who will photograph a receipt into WhatsApp but never file one
When not to use Capisso
- Businesses outside Ireland: the tax logic is Irish only (VAT3, VIES, Form 11, Revenue Commissioners)
- Teams needing programmatic integration: there is no public API and no developer documentation
- Anyone expecting a mobile app: nothing is published on the App Store or on Google Play
- Non-English-speaking teams: the interface and the processing are in English only
- High-volume finance departments: quotas stop at 10 documents a month free and 35 a month on the paid plan
How to use Capisso
A typical end-to-end flow, from setup to results.
- Sign up through the “Start free” button, which opens the registration form at app.capisso.ai/signup
- Take the 14-day free trial on the paid plan, which asks for no payment card
- Or, if you would rather be walked through it, request the 30-minute demo offered on the site
- Connect a business to the workspace — there is nothing to install, it is a web application
- Send in a few documents and watch the ledger post itself, as the homepage suggests
- Forward receipts and invoices by email, or simply photograph them into WhatsApp
- Authorise the open banking connection so that bank lines flow in for reconciliation
- Let the agents code and categorise the incoming documents against the chart of accounts
- Work the review queue, where only the exceptions the agents could not settle appear
- Approve posting, then query the posted ledger in plain language and follow the VAT3 and Form 11 deadlines
Pros & Cons
Pros
- A real double-entry ledger rather than a dashboard: every figure traces back to a posted entry
- Deliberate Irish specialisation — VAT3, VIES, reverse charge, capital allowances and Form 11 are handled in the flow
- A permanently free Starter plan, plus a 14-day trial on the paid plan with no card required
- Low paid entry point at EUR 25 per month
- Capture by WhatsApp photo, with no application to install
- Processors are named explicitly in the privacy policy: OpenAI, Supabase, Stripe or GoCardless, Railway, Amazon S3
- An identifiable Irish publisher — registered name, company number 691522 and address published, active on the Irish register since 2021 and never dissolved
Cons
- Irish tax scope only, which makes the tool unusable as a general bookkeeping product elsewhere
- No public API: probing found no documentation and no OpenAPI description, only an internal health endpoint
- No mobile application on either store, although the privacy policy refers to a “Capisso iOS app” — the site contradicts itself
- No opt-out from model training, while improving AI model performance is a declared use of the data
- An ISO 27001 badge on the homepage with no certificate number, no certifying body and no security page behind it
- No DPA published or mentioned, and no hosting country or region declared — only providers are named
- No support address and no contact page, although both plans sell email support, and document quotas are tight at 10 then 35 a month
Pricing & Plans
Capisso publishes two plans and no others. The Starter plan is free of charge, described as free forever, and covers 10 document uploads per month. The Premium plan is priced at EUR 25 per month, billed monthly, and covers 35 document uploads per month; it is the lowest paid price point on the site. A 14-day free trial is offered on the paid plan and requires no payment card. An annual billing option is displayed with one month free, but the annual amount is not published. No enterprise tier, no quote-based pricing and no dedicated schedule for accounting practices were found.
- 10 document uploads per month
- standard email support
- AI categorisation
- WhatsApp upload
- 2 additional users
- accounting-suite integration. Call to action: “Start free”
- 35 document uploads per month
- priority email support
- AI categorisation
- WhatsApp upload
- additional users and businesses
- accounting-suite integration. Call to action: “Start free trial”
- Annual billing — offered as one month free
- but the annual amount is not published on the site
Data, GDPR & hosting
A consolidated view of how Capisso handles your data.
GDPR overview
GDPR compliance is claimed explicitly and up front: “Capisso Limited respects your privacy. This Privacy Policy outlines how we collect, use, store, and protect your personal and business data in compliance with the General Data Protection Regulation (GDPR).” The policy names its legal bases (consent for account creation and for AI use, contractual necessity, legal obligation) and lists the data subject rights, including erasure and portability. Transfers outside the EEA to services established in the United States are acknowledged, with the statement that “we ensure these transfers are protected by Standard Contractual Clauses or similar legal safeguards.” The publisher is established in Ireland, so no Article 27 representative is required and none is named. No DPO is appointed and no DPA is published; the single privacy contact is privacy@capisso.com. Both documents took effect on 18 June 2025, under Irish law.
Who owns the data?
Capisso Limited collects account data (name, email, company information, payment and subscription details) and the material users upload: receipt images sent by email or WhatsApp, their metadata, and the categorised financial data derived from them. The privacy policy is direct on resale: “We do not sell or rent your data to third parties.” Users keep control through the GDPR rights the policy lists — access, rectification, erasure, objection, withdrawal of consent and portability — and may “request deletion at any time by emailing privacy@capisso.com”. Data is nevertheless shared with named processors, including OpenAI, Supabase, Stripe or GoCardless, Railway and Amazon S3, and one declared use is improving Capisso's AI models.
Reuse rights
The published documents place no restriction on what a customer may do with their own bookkeeping records, and deletion can be requested at any time. Capisso itself declares four uses of the data: providing expense categorisation and syncing, improving AI model performance, sending invoices, receipts and service updates, and meeting legal obligations. The stated legal bases are consent (given both at account creation and for the use of AI), contractual necessity and legal obligation. Processing runs through third-party models: the terms state that “Capisso processes uploaded receipts using AI services, including models from OpenAI and our custom-hosted AI solutions.” No opt-out from model training is offered anywhere on the site.
Data retention & training
Hosting summary
No hosting country and no hosting region is declared anywhere on the site; only providers are named. The terms state that “uploaded content is stored securely in Amazon S3. Your business data is stored in Supabase.” The privacy policy adds the application layer: “Capisso implements encryption, access control, and secure hosting with Railway app and Supabase. We regularly audit our security practices.” Neither document names a region, a data centre or a jurisdiction for any of those three providers, so the location of the stored books cannot be established from published material. The policy does acknowledge that data may be transferred outside the EEA to services established in the United States, citing AWS as an example, and states that such transfers are protected by Standard Contractual Clauses or similar legal safeguards. That is a transfer clause, not a hosting declaration: it establishes that data can leave the EEA, not where it normally sits. Encryption, access control and regular security audits are claimed without further detail, and no DPA is published or mentioned.
Things to keep in mind
Risks and trade-offs to weigh before adopting Capisso.
- The terms state that “automated categorisation is informational and should be reviewed before reliance”. Approving the queue by reflex pushes coding errors straight into a filed return, and the habit quietly erodes the very bookkeeping judgement the review model depends on.
- Client financial data is used to improve AI model performance and no opt-out exists. Uploading a client's books is therefore a decision about that client's data, not only about your own.
- The ISO 27001 claim appears once, in a homepage banner, with no certificate number and no certifying body; the /security URL returns the site's own 404 page as an HTTP 200. Treat it as marketing, not as evidence of an audited security posture.
- The privacy policy describes a “Capisso iOS app” that exists on neither the App Store nor Google Play. A legal document describing a product that does not exist is a reason to read the rest of it sceptically.
- Headline numbers cannot be verified from any source: EUR 360 million recorded, 1,010+ client entities, one practice growing nearly 20x. The homepage also displays fictional companies such as Tyrell Corp and Nakatomi Works, plus a bank, that are neither customers nor declared integrations — demonstration data that can easily be read as a client list.
- The site trades as “Capisso Limited” while the Irish register records “CAPISSO PVT LIMITED” under the same number and address. Same entity, but the published name is not the exact legal one, and the LinkedIn page linked in the footer could not be read behind a reCAPTCHA wall, so its ownership remains unverified.
- No support address, no contact page and no declared hosting country or region: only providers are named. If live accounting data goes wrong, the sole published channel is a privacy mailbox, and you cannot tell which jurisdiction holds your books.
Setup & Integrations
Technical difficulty
Low. There is nothing to install: Capisso is a web application, signup is self-service, and the 14-day trial requires no payment card. The site describes the whole start-up as three gestures — connect a business, send a few documents, watch the ledger post itself. Receipt capture goes through WhatsApp, so no software is needed for it either. The only step needing attention is authorising the open banking connection for bank feeds. With no API, there is nothing to build. The real requirement is accounting competence: someone must work the review queue and approve postings.
Deployment
Integrations
Supported languages
Behind Capisso
Social
Resources
All the official URLs gathered for verification and reference.
Frequently asked questions
Who is Capisso built for?
Is there a free plan?
How much does the paid plan cost?
Is there a free trial?
How do I get my receipts into Capisso?
Is there a mobile app?
Does Capisso offer an API?
Which tax rules does it cover?
Is my data used to train the AI?
Who publishes Capisso?
Should you pick Capisso?
Capisso is a deliberately narrow product: AI bookkeeping for Ireland. The narrowness is its main strength. VAT3, VIES, reverse charge and capital allowances are handled inside the posting flow rather than treated as an export problem afterwards, and the work lands in a real double-entry ledger instead of a dashboard, so every figure traces back to an entry a human can inspect. The review queue follows from the same idea: the tool is built around an accountant reviewing exceptions, not typing lines.
The commercial terms are approachable. Starter is free forever with 10 document uploads a month; Premium is EUR 25 a month for 35, with a 14-day trial that asks for no card. Those quotas are tight, though, and nothing sits above Premium — a busy practice will reach the ceiling quickly, and no pricing for firms is published.
Three reservations deserve stating. The homepage carries an ISO 27001 badge with no certificate number, no certifying body and no security page behind it; the claim appears exactly once across the whole site. The privacy policy refers to a “Capisso iOS app” that exists on neither store, an internal contradiction that raises fair questions about how closely the legal documents are maintained. And customer data is used to improve AI model performance with no opt-out offered anywhere — for a tool holding client financial records, that is a decision each practice should take consciously rather than by default.
Against that, the publisher is identifiable and verifiable: Capisso Limited, Irish company number 691522, on the register since 2021 and still active, with a published address and named processors. For an Irish sole trader or a small practice willing to accept the training clause, it is a credible option — provided the human review it assumes actually happens.
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