Finto
Finto is a German AI platform whose agents handle enterprise accounts payable end to end, capturing invoices in any format, validating and coding them, routing approvals and posting journal entries straight into SAP, DATEV or Microsoft Dynamics.
What is Finto?
Finto is a SaaS platform of AI agents built for enterprise accounts payable, published by Finto GmbH in Munich. Its pitch is that software has so far only handed finance teams interfaces to click through, while Finto is meant to deliver the result itself: Software gave you interfaces. Finto gives you results. The agents are described as LLM-based and set explicitly against rule-driven OCR, in the publisher's words OCR reads, Finto understands, with the ability to interpret context, learn from corrections and cope with new formats and new suppliers without rigid templates. The product is organised into four modules. Inbox Management registers every incoming document, captures all invoice formats from PDF and scans to XML and ZUGFeRD, and handles supplier correspondence automatically when information is missing or wrong. Invoice Validation reads invoices with a claimed accuracy above 99% at both document and line-item level, and runs automated compliance, tax and master data checks. Account Coding assigns general ledger accounts and cost elements to the company's own chart of accounts using a self-learning AI, then prepares the entries for the ERP. Analytics flags anomalies in cost development and tracks spending patterns per cost centre in real time. Around those modules sit an intelligent 3-way match with discrepancy handling and dynamic approval workflows built on each entity's policies and thresholds. Finto targets seven problems it lists on its homepage: invoice processing cost, lack of transparency, missed early cash discounts, coding quality, the accounting talent shortage, accruals and the 3-way match. It advertises a 90% no-touch rate, five times the throughput per accountant, under two days from receipt to journal entry and an 80% cut in cost per invoice, figures published without any methodology or scope. Integrations are named: SAP R/3 and S/4HANA, Sage, Oracle NetSuite or Fusion, DATEV, Microsoft Dynamics and Business Central, plus in-house ERPs, with SSO and role-based access control. The vocabulary is squarely European, covering ZUGFeRD, XRechnung, Factur-X, Peppol, EN 16931 and GoBD. Access is through a web browser and/or an API, with a 99% availability target during service hours. The company was founded in 2025 and is backed by Y Combinator, Gradient and Lightspeed.
What it does
- Capture every incoming invoice in a single inbox, in any format: PDF, scan, XML or ZUGFeRD
- Extract and validate invoice data with a claimed accuracy above 99% at document and line-item level
- Assign general ledger accounts, cost centres and PSP elements with a self-learning AI
- Run the 3-way match between invoice, purchase order and goods receipt, and handle discrepancies
- Route approvals through dynamic workflows based on each entity's policies and thresholds
- Generate verified journal entries and post them to the ERP
- Flag cost anomalies and track spending patterns per cost centre in real time
When to use Finto / When not to
A quick filter to help you decide if Finto is the right fit.
When to use Finto
- Finance and accounts payable teams that process high volumes of supplier invoices
- Multi-entity groups needing approvals, company-code logic and reporting across several entities
- Organisations running SAP R/3 or S/4HANA, DATEV, Microsoft Dynamics 365 Business Central, Oracle NetSuite or Sage
- German and EU finance departments bound by GoBD, ZUGFeRD, XRechnung, Factur-X or Peppol e-invoicing rules
- Accounting departments hit by the talent shortage that want to capture early payment discounts instead of losing them to slow processing
When not to use Finto
- Private individuals and consumers: the terms are reserved for entrepreneurs within the meaning of section 14 of the German Civil Code
- Anyone who wants to sign up alone and try the product first, since there is no self-service registration, no free trial and no published price
- Teams looking for accounts receivable, payroll or a full finance suite, as the announced scope is accounts payable only
- Users who need a mobile app or a browser extension, neither of which exists
- Small structures with a low invoice volume, since both the pitch and the quote are built around high-volume processing
How to use Finto
A typical end-to-end flow, from setup to results.
- Book a demo from the website, or go through the contact form or the HubSpot meeting link, as there is no self-service sign-up
- Discuss scope and volume with the sales team, since the quote depends on monthly invoice volume, integration complexity and workflow requirements
- Run the technical phase: connect the ERP, connect the mail provider, map the chart of accounts and configure the approval workflows
- Set up SSO and role-based access control for the finance and controlling users
- Let the system learn from existing postings and company-specific logic during the operational ramp-up, no long upfront training phase being required according to the publisher
- Go live, most customers being in production within four weeks, with the modular setup allowing automation to be switched on step by step
- Let invoices land in the Finto inbox, where the agents extract, validate and code them
- Review the 3-way match results and the discrepancies the agents flag, instead of keying the data yourself
- Approve through the dynamic workflows, then let the verified journal entries be posted to the ERP
- Reach support by email or phone, in German or English, Monday to Friday from 9am to 5pm outside German public holidays
Pros & Cons
Pros
- End-to-end coverage claimed from invoice receipt to the posted journal entry, with no manual step in between
- A long list of named ERP integrations, including the German ecosystem with DATEV and SAP, alongside Microsoft Dynamics 365 Business Central, Oracle and Sage
- Hosting in EU data centres on infrastructure certified to ISO 27001 and DIN ISO/IEC 27018, with a data processing agreement explicitly provided and technical measures described, from encryption in transit and at rest to access control and regular security reviews
- Customer ownership of the data written into the terms, with an export file available on request within 60 days of termination
- Broad coverage of European e-invoicing standards, namely ZUGFeRD, XRechnung, Factur-X, Peppol and EN 16931, plus the German GoBD framework and a first-party accounting glossary of nearly 270 entries
- Concrete service commitments: a 99% availability target during service hours and email and phone support in German or English
- Fast, modular rollout announced, with most customers live within four weeks, and two named customer references published (Arminia Bielefeld and the Eat Happy group)
Cons
- No public pricing at all, with no grid, no range and no tier: the complete 347-URL sitemap confirms that no pricing page exists
- No free trial and no free plan is announced, the only way in being a sales demo
- An unresolved contradiction about training: the homepage banner says 'No LLM training on your data', the FAQ narrows it to data not used to train 'shared base models', and the product is sold as a self-learning AI that learns from the customer's own postings, with neither the terms nor the privacy policy settling the question and no opt-out documented
- The published impact metrics (90% no-touch, five times throughput, under two days, minus 80% cost per invoice) and the 99% accuracy claim come with no methodology, no scope and no costed case study
- No list of the product's subprocessors is published, the privacy policy naming only the vendors of the marketing website, and there is no trust or security page: the ISO certifications quoted belong to the hosting infrastructure, not to Finto itself
- No public API documentation, although the terms announce access via API, and no mobile app or browser extension
- Strictly B2B terms (section 14 BGB), automatic 12-month renewal with three months' notice, liability capped at the fees of the last contract year, with loss of profit and loss of data excluded short of gross negligence
Pricing & Plans
Finto publishes no price. There is no pricing page anywhere on the site, verified against the complete sitemap of 347 URLs, and no starting amount, currency or billing unit is disclosed. No free plan and no free trial is announced. Pricing is quoted case by case: the publisher states that it tailors pricing based on monthly invoice volume, integration complexity and workflow requirements, and provides a customised quote. The commercial framework is set by the terms: the contract term is agreed individually, renews automatically for 12 months and requires three months' written notice; onboarding and training are optional services and may therefore be billed separately; liability is capped at the fees paid over the last contract year. A prospective buyer must contact the sales team to obtain any figure.
Data, GDPR & hosting
A consolidated view of how Finto handles your data.
GDPR overview
Finto claims explicit compliance: 'We are fully GDPR-compliant' (FAQ), and the privacy policy, last updated in May 2026, is built around the regulation. Roles are stated: processor under Article 28 for the software, controller for the website, with a separate data processing agreement concluded with each customer. Legal bases cited include Article 6(1)(a), (b), (c) and (f), Article 49(1)(a) for transfers and section 25(1) TTDSG for cookies. Data subject rights are listed: information, rectification, erasure, restriction, withdrawal of consent and complaint to a supervisory authority. Technical and organisational measures are described: encryption in transit and at rest, access control and authorisation management, regular security reviews and contractual confidentiality for all employees. The published contact is datenschutz@finto.de. No data protection officer is named, and no Article 27 representative exists, none being required for a company established in Munich.
Who owns the data?
Section 3 of the general terms states that data entered into the platform by the customer remains the property of the customer. Finto keeps all rights to the software itself, meaning source code, database structures and designs, licensed non-exclusively and non-transferably for the term of the contract. For the product, Finto declares itself a processor under Article 28 GDPR acting on its customers' instructions, the customers remaining the controllers; Finto is controller only for its own website. After termination, section 6 lets the customer request an export file within 60 days. Section 9 allows Finto to use the customer's name and logo as a commercial reference, revocable on 30 days' notice.
Reuse rights
Customers keep full use of the data they put into Finto and of the output it produces: invoice data, postings and exports are theirs, reusable in their ERP, their archive and their audit trail without asking Finto for permission. Finto itself processes that data only on the customer's instructions, under a data processing agreement signed separately with each client; the processing covers names, contact details and bank details appearing on incoming invoices. What is not settled is model training. The homepage banner promises 'No LLM training on your data' without reservation, while the FAQ narrows the same promise to data not being used to train 'shared base models', and the product is simultaneously sold as a self-learning AI that 'learns from your existing postings and company-specific logic'. Neither the terms nor the privacy policy address training at all, and no opt-out is documented anywhere. The scope of that promise should be obtained in writing in the data processing agreement before signing. Third-party tools such as HubSpot, Calendly, Google Analytics, Contentsquare and Ashby are used on the marketing website only, with transfers to the United States covered by standard contractual clauses.
Data retention & training
Hosting summary
The terms are the firmest source: section 2 commits to provision and operation of the SaaS solution via data centers in the EU, described as ISO 27001 certified, and section 4 states that the server location is within the European Union. The FAQ adds that Finto is hosted on certified infrastructure, DIN ISO/IEC 27001 and 27018, in Central Europe. Beyond that, nothing is precise: no hosting country is named, no cloud provider is named and no data centre location is given, and the certifications quoted belong to the hosting infrastructure rather than to Finto GmbH itself. The marketing website resolves to an Amazon CloudFront node in Frankfurt, Germany, but that is the delivery point of the website and says nothing about where customer invoice data lives; the two should not be conflated. Transfers outside the EU are mentioned only for the marketing website's third-party tools, such as HubSpot, Calendly, Google and Ashby in the United States, covered by standard contractual clauses. For the product itself, the detail of hosting and subprocessing is left to the data processing agreement signed with each customer.
Things to keep in mind
Risks and trade-offs to weigh before adopting Finto.
- The 'No LLM training on your data' banner on the homepage is narrowed in the FAQ to 'shared base models', while the product is presented as learning from your own postings: get the commitment written into the data processing agreement, and note that no opt-out from training is documented anywhere
- The DIN ISO/IEC 27001 and 27018 certifications quoted apply to the hosting infrastructure, not to Finto GmbH; no certification of the publisher itself is published, and there is no trust or security page
- No list of the product's subprocessors is published, only the vendors of the marketing website being named, so ask who else touches your invoice data before signing
- The controller address in the privacy policy (Weinsteige 7, 97980 Bad Mergentheim) differs from the one in the imprint (Sandstrasse 33, 80335 Munich): the policy has not followed the move of the registered office, a documentation gap worth raising with the publisher
- Supplier bank details are processed (privacy policy, section 9), so payment fraud deserves an internal control review and automation must not remove the human check on changed bank data
- Contract clauses to read before signing: automatic 12-month renewal with three months' notice, liability capped at the fees of the last contract year, and loss of data excluded short of gross negligence
- Handing the whole invoice chain to agents can erode a team's own review reflex: the published metrics have no scope or method behind them, so measure your own no-touch rate rather than trusting the vendor's figures, and keep enough accounting skill in-house to challenge a wrong posting
Setup & Integrations
Technical difficulty
Moderate to high: there is no self-service sign-up, so setup runs as a project with the publisher. The technical phase covers connecting the ERP, connecting the mail provider, mapping the chart of accounts and configuring approval workflows, plus SSO and role-based access control. An operational ramp-up follows, during which the system learns from existing postings and company-specific logic; no long upfront training phase is required, according to the publisher. Most customers go live within four weeks, and the modular setup allows step-by-step automation. Expect IT and accounting to be involved throughout. Onboarding and training are optional services.
Deployment
Integrations
Supported languages
Behind Finto
Fundraising
Social
Resources
All the official URLs gathered for verification and reference.
Frequently asked questions
What is Finto?
What does Finto actually do?
How is Finto different from OCR software?
Which ERP systems does Finto integrate with?
Where is the data hosted?
Is my data used to train AI models?
How much does Finto cost?
Is there a free trial or a free plan?
How long does implementation take?
What happens to my data at the end of the contract?
Should you pick Finto?
Finto has a clear and well-bounded proposition: accounts payable from end to end, not a generalist finance suite. That focus is its main strength. The German-speaking market is served properly, with DATEV and SAP connectors, GoBD, ZUGFeRD and XRechnung coverage, EU hosting and support in German, and the contractual commitments are concrete rather than decorative: customer ownership of data written into the terms, a data processing agreement per client, an export file available within 60 days of termination, a 99% availability target and described technical measures. The blind spots are just as real. No price is published anywhere, no free trial or free plan exists, and the only way in is a sales demo. The headline metrics, 90% no-touch, five times throughput, under two days and minus 80% cost per invoice, are published without methodology or scope. There is no public API documentation despite the terms promising API access, and no list of the subprocessors that would touch your invoice data. One point deserves a written answer from the vendor before anything is signed: the exact scope of the no LLM training promise. The homepage states it without reservation, the FAQ narrows it to shared base models, and the product is at the same time sold as a self-learning AI that learns from your own postings. Neither the terms nor the privacy policy resolve it, and no opt-out is documented. Finto is a very young company, founded in 2025, well funded and well advised. The risk here is the ordinary risk of a recent supplier, not that of a vapourware product. If your invoice volume is high, your ERP is on the list and your finance team is ready for an integration project, the demo is worth the hour. Get the training commitment in writing.
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