Send money globally
without the usual fees,
forms, or friction
Finofo connects your business to 90+ countries through local payment rails, helping you send faster, cheaper, and with full control.
Wherever your suppliers are
Pay them all from one place, over local rails where we have them and SWIFT everywhere else.
- 212 countries and territories
- 91 with local payment rails
- 52 currencies
North America and the Caribbean
- Anguilla
- Antigua and Barbuda
- Aruba
- Bahamas
- Barbados
- Belize
- Bermuda
- British Virgin Islands
- Canada
- Caribbean Netherlands
- Cayman Islands
- Costa Rica
- Curaçao
- Dominica
- Dominican Republic
- El Salvador
- Greenland
- Grenada
- Guadeloupe
- Guatemala
- Honduras
- Jamaica
- Martinique
- Mexico
- Montserrat
- Nicaragua
- Panama
- Puerto Rico
- Saint Kitts and Nevis
- Saint Lucia
- Saint Martin
- Saint Vincent and the Grenadines
- Sint Maarten
- Trinidad and Tobago
- Turks and Caicos Islands
- U.S. Virgin Islands
- United States
South America
- Argentina
- Bolivia
- Brazil
- Chile
- Colombia
- Ecuador
- Falkland Islands
- French Guiana
- Guyana
- Paraguay
- Peru
- Suriname
- Uruguay
Europe
- Albania
- Andorra
- Austria
- Belgium
- Bosnia and Herzegovina
- Bulgaria
- Croatia
- Cyprus
- Czech Republic
- Denmark
- Estonia
- Finland
- France
- Germany
- Gibraltar
- Greece
- Guernsey
- Hungary
- Iceland
- Ireland
- Isle of Man
- Italy
- Jersey
- Latvia
- Liechtenstein
- Lithuania
- Luxembourg
- Malta
- Moldova
- Monaco
- Montenegro
- Netherlands
- North Macedonia
- Norway
- Poland
- Portugal
- Romania
- San Marino
- Serbia
- Slovakia
- Slovenia
- Spain
- Svalbard and Jan Mayen
- Sweden
- Switzerland
- Ukraine
- United Kingdom
- Vatican City
Africa
- Algeria
- Angola
- Benin
- Botswana
- Burkina Faso
- Burundi
- Cameroon
- Cape Verde
- Chad
- Comoros
- Côte d’Ivoire
- Djibouti
- Egypt
- Equatorial Guinea
- Eritrea
- Eswatini
- Gabon
- Gambia
- Ghana
- Guinea
- Kenya
- Lesotho
- Liberia
- Madagascar
- Malawi
- Mauritania
- Mauritius
- Mayotte
- Morocco
- Mozambique
- Namibia
- Niger
- Nigeria
- Republic of the Congo
- Réunion
- Rwanda
- São Tomé and Príncipe
- Senegal
- Seychelles
- Sierra Leone
- South Africa
- Tanzania
- Togo
- Tunisia
- Uganda
- Zambia
Asia and the Middle East
- Armenia
- Azerbaijan
- Bahrain
- Bangladesh
- Bhutan
- Brunei
- Cambodia
- China
- Georgia
- Hong Kong
- India
- Indonesia
- Israel
- Japan
- Jordan
- Kazakhstan
- Kuwait
- Kyrgyzstan
- Laos
- Macao
- Malaysia
- Maldives
- Mongolia
- Nepal
- Oman
- Pakistan
- Palestine
- Philippines
- Qatar
- Saudi Arabia
- Singapore
- South Korea
- Sri Lanka
- Taiwan
- Tajikistan
- Thailand
- Timor-Leste
- Turkey
- Turkmenistan
- United Arab Emirates
- Uzbekistan
- Vietnam
Oceania
- American Samoa
- Australia
- Christmas Island
- Cocos Islands
- Cook Islands
- Fiji
- French Polynesia
- Guam
- Kiribati
- Micronesia
- Nauru
- New Caledonia
- New Zealand
- Niue
- Norfolk Island
- Northern Mariana Islands
- Palau
- Papua New Guinea
- Pitcairn Islands
- Samoa
- Solomon Islands
- Tokelau
- Tonga
- Tuvalu
- Vanuatu
- Wallis and Futuna
How it works
Open local accounts, hold your funds where you pay from, and convert on your terms.
Bulk upload bills, drop in a payment file, or sync from your ERP. Finofo reads and maps it all.
Payments go to the right people before they go out. Every approval is policy-driven, traceable, and audit-ready.
Convert currencies when you choose, pay in local currencies, and sync every transaction back to your ERP.
More tools to power your financial operations
- Explore bulk payments
Bulk payments
Build a payment batch across vendors, entities, and supported currencies.
- Explore currency conversions
Currency conversions
Exchange funds across supported currency balances with live rates, clear costs, and approval controls in one place.
- Explore treasury management
Treasury management
Track balances, move funds between supported accounts, manage conversions, and keep treasury decisions under control.
Finofo FAQs – everything you need to know
Does Finofo replace our ERP?
No. Your ERP or accounting system remains the system of record.
Can Finofo run 3-way matching?
Yes. It compares invoices, POs, and receiving records at the line level.
How are exceptions handled?
Differences outside configured tolerances are flagged for review.
Can we pay vendors through Finofo?
Yes. Payments are optional and can be managed individually or in batches.
Do we need to use Finofo-issued cards?
No. Keep your existing company-issued corporate cards. No card migration required.
Can Finofo connect directly to our card provider?
Yes, where a direct connection is supported. You can also upload card statements for reconciliation.
How can employees submit receipts?
By text, email, web upload, or mobile. Finofo extracts the details and prepares the expense for review.
How does card reconciliation work?
Transactions are matched to receipts using merchant, amount, currency, and date. Uncertain matches are suggested for review, while missing receipts are flagged.
What happens when a receipt is missing?
Employees can provide the receipt or complete a lost receipt declaration, with supporting evidence where required.
Can Finofo handle employee reimbursements?
Yes. Approved personal expenses and mileage claims can be reimbursed through Finofo or marked as paid externally.
Can we configure approval workflows?
Yes. Configure multi-step team and finance approvals, bulk review, and automatic self-approval prevention.
Does Finofo sync expenses to our accounting system?
Yes. Approved corporate card expenses and reimbursement payables can sync to supported accounting systems, with export options available.
Is a spend request mandatory?
No. Start with a PO directly, import one, or request approval first when needed.
Can Finofo use POs from another system?
Yes. Imported or synced POs can be used for matching.
Do you support partial receiving?
Yes. Receiving records can reflect partial deliveries or accepted services.
Is this inventory management?
No. It focuses on purchasing controls and invoice matching, not warehouse stock.
What if my ERP is not listed?
Finofo can assess API, file-based, export, or custom-tool options for your requirements.
Does Finofo replace the accounting system?
No. The accounting system stays the system of record.
Can we use CSV or scheduled exports?
Yes. File-based integration can be used when it fits the system.
Will every custom integration be available immediately?
No. Scope, supported access methods, and timing are confirmed before implementation.
Can I comment on specific invoice lines?
Yes. Comments can stay attached to a document, field, line, or exception.
What happens when someone is mentioned?
The mention can create a task in that person’s inbox.
Can approvers respond in context?
Yes. Supporting files and discussion stay with the approval record.
Is comment history retained?
Yes. Document activity is kept in a shared audit timeline.
Does Finofo support both contracts and blanket POs?
Yes. Contracts link directly to invoices, while blanket POs track linked child POs.
How is blanket PO utilization calculated?
Committed spend comes from linked POs; invoiced spend comes from the related invoices.
Can Finofo track renewal deadlines?
Yes. Track dates and set reminders for reviews and cancellation periods.
Can recurring bills be compared with contracts?
Yes. Linked invoices can be checked against expected billing amounts.
Can Finofo review vendor statements?
Yes. Statement lines can be checked against internal invoice and payment records.
Can supplier credits close an invoice?
Yes. Credits reduce the outstanding amount and are recorded in the settlement history.
Can I reverse an applied credit?
Yes. Reversals are logged and can change the remaining balance.
What appears in remittance detail?
Prior payments, applied credits, the current payment, and outstanding balance.
Can approvers use mobile?
Yes. They can review supporting context and act from mobile.
Can we configure multi-level routing?
Yes. Approval chains and groups can follow company policy.
Can approvers ask questions?
Yes. Comments and mentions stay attached to the request.
Is approval history recorded?
Yes. Approvals, edits, and rejections are tracked on the transaction.
Can a batch include multiple currencies?
Yes, for supported payout currencies and routes.
Can payment runs require approval?
Yes. Batches can follow configured approval policies.
Can suppliers receive remittances?
Yes. Payment notifications can include detailed remittance information.
Will payment records reach our accounting system?
They can be synced or exported according to the integration setup.
Can we convert between Finofo currency balances?
Yes, between supported currencies.
Are FX quotes visible before conversion?
Yes. Review the rate and conversion amount before confirming.
Can currency conversions require approval?
Yes. Conversion requests can follow configured approval workflows.
Are all FX transactions available around the clock?
Availability depends on the supported currencies, routes, and operating conditions.
Can we manage multiple entities?
Yes. Supported entities can be viewed and managed in one workspace.
Can we make intercompany transfers?
Yes, between supported account configurations.
Can we hold more than one currency?
Yes. Finofo supports multi-currency balances.
Do treasury actions have approval controls?
Yes. Roles and approval policies can be configured.
Can we receive payments using local account details?
Yes, in supported markets and currencies.
Do incoming funds have to convert immediately?
No. Supported currencies can be held and converted when you choose.
Can we track incoming payments?
Yes. Incoming transfers appear in transaction history and account activity.
Does it connect to accounting?
Supported payment records can be synced or exported according to the configured integration.
Does Finofo support SSO?
Yes. The site lists SAML SSO with supported identity providers.
Can an organization use MFA?
Yes. Organization-level MFA is described on the security page.
Are approvals recorded?
Yes. Approval and user activity history is logged.
Can we request security documentation?
Finofo can provide relevant security information for your procurement or vendor review.
Does Insights include DPO?
Yes. Days payable outstanding is a dedicated reporting area.
Can we review exception trends?
Yes. Exceptions can be viewed by count, value, and related documents.
Can dashboards be customized?
Yes. The page describes custom saved reporting views.
Does it replace ERP reporting?
No. Insights is an operational AP reporting layer alongside accounting reports.
Does Finofo support Canadian sales taxes?
Yes. It handles GST, HST, PST, and QST at the invoice-line level.
Can one invoice have different tax treatments?
Yes. Mixed taxable, exempt, and zero-rated lines can be handled separately.
Is AP data hosted in Canada?
Yes. Finofo describes its AP data hosting as Canadian.
Will this remove the need for tax review?
No. It surfaces tax detail and variances so finance can review before posting.
How does Finofo's pricing work?
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?
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 in its ERP.
How do you measure invoices per month?
The average monthly invoices processed through the platform across all entities.
Can the pricing handle very high volumes?
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?
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.
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