AP That Moves as Fast as Your Orders

Automated, accurate, and built for high-volume retail operations. Finofo captures invoices, matches POs, routes approvals, and pays vendors globally.
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Why Retail AP Falls Behind

E-commerce and retail teams operate at high velocity. Inventory turns fast, order volumes spike, and invoices pour in from suppliers, 3PLs, marketplaces, and freight partners. Manual AP simply can’t keep up.

Finofo captures invoices instantly, matches them against POs at the line level, and routes approvals across merchandising, supply chain, and finance. AP scales smoothly even during peak volume and seasonal surges.

Why Retail AP Falls Behind

E-commerce and retail teams operate at high velocity. Inventory turns fast, order volumes spike, and invoices pour in from suppliers, 3PLs, marketplaces, and freight partners. Manual AP simply can’t keep up.

Finofo captures invoices instantly, matches them against POs at the line level, and routes approvals across merchandising, supply chain, and finance. AP scales smoothly even during peak volume and seasonal surges.

What’s Broken Today

AP Friction Hurts Sales, Margins, and Cash Flow

  • High vendor invoice volume across inventory, logistics, 3PL, marketplace fees, and marketing spend
  • Multi-line POs and partial receipts break ERP-native matching
  • Marketplace and 3PL invoices often arrive late, inconsistent, or unstructured
  • ERP sync delays block AP workflows and slow invoice posting
  • Manual coding to SKUs, departments, and cost centers wastes hours
  • Approvals bounce between merchandising, warehouse teams, and finance
  • Complex global supplier and freight payments require multiple tools
  • Inventory cycles depend on timely invoice accuracy and payment speed

What’s Broken Today

AP Friction Hurts Sales, Margins, and Cash Flow

  • High vendor invoice volume across inventory, logistics, 3PL, marketplace fees, and marketing spend
  • Multi-line POs and partial receipts break ERP-native matching
  • Marketplace and 3PL invoices often arrive late, inconsistent, or unstructured
  • ERP sync delays block AP workflows and slow invoice posting
  • Manual coding to SKUs, departments, and cost centers wastes hours
  • Approvals bounce between merchandising, warehouse teams, and finance
  • Complex global supplier and freight payments require multiple tools
  • Inventory cycles depend on timely invoice accuracy and payment speed

How Finofo Fixes It

Smart AP Built for Omnichannel Operations

  • Document ingestion from any channel
  • AI-powered invoice classification
  • Line-level 2- & 3-way PO matching
  • ERP-optional matching and posting
  • Approval routing by department, warehouse, or team
  • Smart coding for SKU, category, GL, and cost center
  • Global pay & instant reconciliation
  • Google Docs-style collaboration for merchandising, supply chain, and finance
Explore AP Automation

How Finofo Fixes It

Smart AP Built for Omnichannel Operations

  • Document ingestion from any channel
  • AI-powered invoice classification
  • Line-level 2- & 3-way PO matching
  • ERP-optional matching and posting
  • Approval routing by department, warehouse, or team
  • Smart coding for SKU, category, GL, and cost center
  • Global pay & instant reconciliation
  • Google Docs-style collaboration for merchandising, supply chain, and finance
Explore the full AP automation feature set

Don’t Just Automate. Win.

Where Finofo Wins, Others Wait
Features
What You Deal With Today
How Finofo Wins
Ingestion
High invoice volume from vendors, 3PLs, freight, marketplaces
Capture every doc instantly from email, chat, or drag-and-drop
Classification
Manual sorting of marketing, freight, inventory, 3PL invoices     
AI auto-identifies every invoice type, no templates needed
Matching
ERP breaks on partial receipts and multi-line POs
Handles line-level 2- & 3-way match with tolerances
ERP Dependency
AP waits for PO or receipt syncs
Matches independently, posts to ERP when ready
Approval Routing
Merchandising and supply chain approvals split across email/Slack
Route by warehouse, department, or category instantly
Collaboration
No visibility on discrepancies or SKU-level issues
Comments and decisions live directly on the invoice
Coding
Manual coding by SKU, category, location, cost center
AI auto-suggests SKU/category/GL/cost center coding
Global Payments
Multiple tools for overseas suppliers and freight
One-click pay in 190+ countries, fully reconciled
PO vs Non-PO Workflows
Retail relies heavily on PO-driven purchasing and partials
FFinofo automates line-level matching even with incomplete ERP data

Don’t Just Automate. Win.

Where Finofo Wins, Others Wait
Features
What You Deal With Today
How Finofo Wins
Ingestion
High invoice volume from vendors, 3PLs, freight, marketplaces
Capture every doc instantly from email, chat, , or drag-and-drop
Classification
Manual sorting of marketing, freight, inventory, 3PL invoices
AI auto-identifies every invoice type, no templates needed
Matching
ERP breaks on partial receipts and multi-line POs
Handles line-level 2- & 3-way match with tolerances
ERP Dependency
AP waits for PO or receipt syncs
Matches independently, posts to ERP when ready
Approval Routing
Merchandising and supply chain approvals split across email/Slack
Route by warehouse, department, or category instantly
Collaboration
No visibility on discrepancies or SKU-level issues
Comments and decisions live directly on the invoice
Coding
Manual coding by SKU, category, location, cost cente
AI auto-suggests SKU /category / GL /cost center coding
Global Payments
Multiple tools for overseas suppliers and freight
One-click pay in 190+ countries, fully reconciled
PO vs Non-PO Workflows
Retail relies heavily on PO-driven purchasing and partials
Finofo automates line-level matching even with incomplete ERP data

Still Thinking Twice?

Let’s Clear the Air

1.  Our POs and receipts change constantly across warehouses.

Finofo handles SKU-level changes, partials, revisions, and discrepancies with tolerance logic.

2.  Our marketplace invoices and 3PL bills are messy.

Finofo ingests any document, structured or not, and extracts data with high accuracy.

3.  We need approvals across merchandising, supply chain, and finance.

Finofo routes approvals by warehouse, department, category, or team automatically.

4.  Most of our vendors are global.

Pay any vendor worldwide with local rails, FX savings, and instant reconciliation.

ERP Optional. AP Automation That Works Either Way.

Finofo works whether you’re running NetSuite, Intacct, or a spreadsheet.
Most AP systems stall until your ERP sends a PO or goods receipt.
Finofo doesn’t wait. It captures, classifies, and matches documents the moment they arrive so your team can move faster without breaking your existing stack.

Here’s what you get out of the box:

Real-time document capture from email, chat, or drag and drop

AI that understands messy or incomplete invoices and POs

Line-level 3-way matching without touching your WMS or inventory module

Instant setup with no field-mapping or IT delays

Clean, coded invoices automatically posted back to your ERP when ready

No ERP bottlenecks.
No manual lag. No missing context.
Just fast, flexible AP automation that works anywhere you do.

Explore Integrations

Designed with security and compliance at the forefront

We take security seriously. Maintain SOX & COSO compliance with precise audit logs tracking every transaction, everywhere. With fraud detection, MFA, SSO, and enterprise-grade encryption, finance teams stay secure, compliant, and in control.

Finofo FAQs - everything you need to know

Do I need to connect my ERP to start using Finofo?
Ecommerce Webflow Template -  Poppins
No. Finofo works with or without an ERP. You can ingest documents, match, approve, pay, and reconcile right out of the box. When you’re ready, you can integrate your ERP and post clean, coded invoices in one click.
How does Finofo handle POs and receipts if they’re not in my ERP?
Ecommerce Webflow Template -  Poppins
Finofo doesn’t depend on your ERP for source documents. It ingests POs, invoices, packing slips, and GRNs from email, text, drag & drop, and matches them at the line level using AI, not sync schedules.
Does Finofo support 2-way and 3-way matching?
Ecommerce Webflow Template -  Poppins
Yes. Instantly and accurately. Finofo runs instant, AI-powered 2-way and 3-way matching. The AI builds a document set even if there are multiple Invoices and GRNs under one PO. It aggregates line item level info for 2-way and 3-way matching. Line items are matched by SKU, quantity, UoM, and price. Exceptions are flagged smartly respecting your vendor-specific tolerance policies.
Can I process AP documents without templates or manual tagging?
Ecommerce Webflow Template -  Poppins
Yes. Finofo’s AI identifies and classifies documents automatically—invoice, PO, or GRN—then extracts every field and line item with 99% accuracy. No templates, no rules, no manual tagging needed.
Can Finofo manage Non-PO invoices?
Ecommerce Webflow Template -  Poppins
Yes. You can create and approve Non-PO invoices directly inside Finofo, just like regular invoices, with full coding and audit history.
Does Finofo support invoice approval workflows?
Ecommerce Webflow Template -  Poppins
Yes. Build approval policies with multi-level routing, role-based rules, and group logic—no IT setup required.
How does Finofo integrate with my existing processes?
Ecommerce Webflow Template -  Poppins
Finofo plugs into your email, shared drives, and ERP. You can start lightweight and deepen integrations later.
How fast can I get started?
Ecommerce Webflow Template -  Poppins
You can go live in hours. There’s no field mapping, no complex configurations, and no IT setup needed. Just connect your inbox or upload documents and let Finofo do the rest.
Does Finofo support line-level coding and segmentation?
Ecommerce Webflow Template -  Poppins
Yes. Finofo’s AI auto-codes every invoice line with the correct GL account, department, location, cost center, and subsidiary. You get ERP-ready data without manual work or spreadsheet clean-up.
What happens if there are mismatches or missing documents?
Ecommerce Webflow Template -  Poppins
Finofo flags only the exceptions that exceed your set tolerance thresholds. You’ll see a clear, line-level summary with context so you can resolve confidently or close out with one click.
Can I bulk-approve and pay multiple invoices at once?
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Yes. You can group invoices, apply your approval workflows in bulk, and execute payments across vendors in a single click.
Who can set up approval policies?
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Admins and owners on Finofo can set up approval policies for payments, currency conversions, deposits and transfers. Define rules, assign approver groups, and let the system handle the rest. Once set, approvals follow an automated workflow with no manual follow-ups required.
Are approvals automated? Will approvers get requests automatically?
Ecommerce Webflow Template -  Poppins
Absolutely. The moment a transaction needs approval, the assigned approvers get notified instantly. They can review, approve, or decline requests with full visibility into timestamps, notes, and approval history. No delays, no guesswork—just a smooth, automated process.
How many approval levels, or approvers groups can I create? Are the approver groups customisable?
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As many as you need. Whether it’s a simple one-step approval or a multi-level workflow, Finofo adapts to your policies. Need CFO approval for high-value transactions? Want department heads to sign off first? Set it once, and let Finofo enforce it every time.
How will approvals work with bulk payments?
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Exactly like single transactions—but better. When you submit a batch for payment, Finofo automatically applies your approval policies to the entire batch. The full batch goes through the approval process, ensuring the right stakeholders review and sign off before execution.
Does the conversion really work 24x7 all year round?
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Yes. You can convert funds between your accounts anytime—24/7, all year round. With support for 25+ currencies, you have complete flexibility to move funds whenever it suits your business.
Are there really NO fees for currency conversions from Finofo?
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That’s right. There are no fees when converting funds between your currency accounts on Finofo. Move money freely without hidden charges or unexpected costs.
How can I manage multiple entities under the same corporate umbrella?
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Finofo makes it easy to onboard all your entities under one unified platform. Manage global finance operations across multiple businesses with a single login—no need to juggle multiple accounts or platforms.
We have businesses across North America and send intercompany transfers often. How can we manage our treasury with Finofo?
Ecommerce Webflow Template -  Poppins
With Finofo, you can manage all your entities in one place and move funds across them in real time. Transfer money in any currency, anytime, without wire fees or transfer fees. Every intercompany transfer happens instantly, saving you time and money while keeping cash flow optimized.
Where can I set up local accounts for customer payments?
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Finofo provides local accounts in a wide range of countries and currencies, ready to use as soon as you sign up. There’s no need to set up a local entity - just share your local account details with your customers and receive payments as if you were based in their country.
How can we receive funds from international customers?
Ecommerce Webflow Template -  Poppins
Open a local account in the currency you want to receive payments in. Share the account details with your customers, and they can send funds directly - no forced conversions, no unnecessary delays. Hold the funds in your account as long as you need before making payments or transfers.
Are there no incoming fees?
Ecommerce Webflow Template -  Poppins
That’s right—Finofo does not charge incoming fees for receiving payments in supported currencies.
How do I transfer and withdraw funds from Finofo?
Ecommerce Webflow Template -  Poppins
Transferring or withdrawing funds is simple. Set up the external accounts you want to send funds to, move money when needed, and even apply approval policies for added security.
Can my team comment directly on invoices and documents?
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Yes. With Finofo, you can comment directly on any invoice, PO, line item, or exception - right where the work happens. No more forwarding PDFs or chasing context across email threads. Experience Google Doc like comment experience in your AP software.
Can I tag teammates or approvers in comments?
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Absolutely. Use @mentions to loop in the right people instantly. Approvers, reviewers, or teammates will get notified and can respond in real time keeping everything moving.
Is there an audit trail for collaboration and approvals?
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Yes. Every comment, edit, approval, and decision is logged in a shared timeline. You always know who did what, when, and why with full visibility across the team.
How is this better than using email or Slack for approvals?
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Finofo keeps comments, approvals, and context attached to the document, not lost in inboxes or scattered across tools. You get faster answers, fewer delays, audit preparation, and zero confusion.
How does Finofo's pricing work?
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Finofo keeps pricing predictable. Obtain an instant personalized pricing estimate at our pricing page. Our pricing is dependent on the features you want and your scale estimated via invoice volume, number of users, and entities.
What counts as a unique user and entity?
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Anyone with login access who can view, approve, or process invoices is a unique user. They can be assigned to as many entities as you need but will only be counted once for billing purposes. A unique entity is a legal entity with its own suppliers, bank accounts, or general ledger. inside ERP
How do you measure invoices per month?
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The average monthly invoices processed through the platform across all entities.
Can the pricing handle very high volumes?
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Yes. For volumes above the upper slider limits, the plan can be extended. The estimator can still be used as a reference point.
Does Finofo offer non-profit pricing, startup discounts, or special rates?
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Yes, we’re always open to supporting good causes and promising startups. Tell us more about your organization and how you plan to use our platform, and we’ll explore special pricing or tailored solutions to best support your goals.

Finofo FAQs - everything you need to know

Do I need to connect my ERP to start using Finofo?
Ecommerce Webflow Template -  Poppins
No. Finofo works with or without an ERP. You can ingest documents, match, approve, pay, and reconcile right out of the box. When you’re ready, you can integrate your ERP and post clean, coded invoices in one click.
How does Finofo handle POs and receipts if they’re not in my ERP?
Ecommerce Webflow Template -  Poppins
Finofo doesn’t depend on your ERP for source documents. It ingests POs, invoices, packing slips, and GRNs from email, text, drag & drop, and matches them at the line level using AI, not sync schedules.
How fast can I get started?
Ecommerce Webflow Template -  Poppins
You can go live in hours. There’s no field mapping, no complex configurations, and no IT setup needed. Just connect your inbox or upload documents and let Finofo do the rest.
Does Finofo support line-level coding and segmentation?
Ecommerce Webflow Template -  Poppins
Yes. Finofo’s AI auto-codes every invoice line with the correct GL account, department, location, cost center, and subsidiary. You get ERP-ready data without manual work or spreadsheet clean-up.
How can we receive funds from international customers?
Ecommerce Webflow Template -  Poppins
Open a local account in the currency you want to receive payments in. Share the account details with your customers, and they can send funds directly - no forced conversions, no unnecessary delays. Hold the funds in your account as long as you need before making payments or transfers.