Last updated: 2026-10-19
Finto is a Munich-based accounts payable product from the Y Combinator Summer 2025 batch. Its AI agents take invoices from an inbox, validate them, assign accounts and prepare journal entries for ERPs including SAP, Microsoft Dynamics and DATEV. The vendor claims a 90% no-touch rate on its homepage, but publishes no method or independent figure behind it.
About Finto
Finto is a Munich software company, founded by Jonas Morgner (CEO), Linus Boehm (CTO) and Lorenz Neuner (CPO), that builds AI agents for accounts payable. It went through Y Combinator in the Summer 2025 batch and sells to finance teams at larger companies; its own materials name enterprises above 100 million in revenue as the target. The product takes an invoice from the shared inbox and carries it to a journal entry in the ERP.
The workflow starts with inbox management: Finto records incoming documents in PDF, scan, XML or ZUGFeRD form and handles supplier communication. Agents then validate the invoice, propose account coding, route approvals and prepare the posting. The vendor frames this as delivering results instead of screens, where an accountant used to click through each step. Its site lists three-way match and accruals among the problems it addresses.
It fits where invoice volume is high and the ERP is SAP, Microsoft Dynamics, DATEV or an industry system; the vendor also names Oracle NetSuite and Sage in its llms.txt. Document-capture tools such as Veryfi and Mindee read fields off a document and leave coding and approvals to you, while Finto aims to run the whole chain. Vic.ai is the closest named rival for autonomous accounts payable. If the bottleneck is the ledger and the close rather than invoice intake, look at Campfire, Numeral, LiveFlow or Abacum. Teams that prefer to wire their own flow can use Zapier, n8n or Make, though none of them ships accounting logic.
Pricing is not published. The homepage sends visitors to a demo booking, and there is no free tier or self-serve plan. The security claims are a GDPR statement, no model training on customer data, and a Central European host that holds ISO/IEC 27001 and 27018 certificates. The interface and site come in English and German.
Pricing
Finto does not publish pricing. Every call to action on the site is a demo booking, with no price list, free tier or self-serve checkout. Ask whether cost scales with invoice volume, entities or ERP connectors, and what implementation is billed separately.
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Key Features
- Inbox management: Captures every invoice format the vendor lists (PDF, scan, XML, ZUGFeRD) from the shared mailbox and automates supplier messages.
- Invoice validation: Agents check each invoice and flag errors before it reaches an accountant, per the vendor llms.txt.
- Account coding: Assigns general ledger accounts and cost centers to invoice lines and prepares a posting draft.
- Approval routing: Sends invoices through approval workflows so chasing approvers by email is no longer a manual step.
- ERP integration: Posts to SAP, Microsoft Dynamics, DATEV, Oracle NetSuite, Sage and custom ERPs, including multi-entity setups.
- Analytics: Reports on invoice flow so controllers can see where documents wait and where deviations occur.
Pros
- Covers the chain from inbox capture to ERP journal entry, so one product can replace separate capture, coding and approval tools.
- Names SAP, Microsoft Dynamics, DATEV, Oracle NetSuite and Sage as targets, which matches the ERPs found in German enterprise finance.
- Keeps customer invoices out of shared model training, per the vendor, and hosts in Central Europe.
- Publishes a named customer story from Arminia Bielefeld, a football club, instead of anonymous logos only.
Cons
- No published pricing, free tier or trial: every evaluation starts with a demo call.
- Built for large companies, so small businesses with a few invoices a week are outside the target.
- The performance figures on the homepage are vendor claims with no cohort or method attached.
- The YC profile lists a team of 10, so test implementation capacity before a multi-entity rollout.
Data Handling
- Training-data policy
- Per the vendor, shared base models are not trained on what customers upload.
- Compliance
- GDPR (vendor statement); hosted on ISO/IEC 27001 and 27018 certified infrastructure (not a Finto certification)
Frequently Asked Questions
How much does Finto cost?
Finto does not publish prices. The site offers only a demo booking, so the first figure comes from a sales call. Ask whether billing follows invoice volume, entities or ERP connectors, and whether implementation is charged separately.
Can you try Finto without talking to sales?
Not from what the site shows. There is no sign-up button, free plan or sandbox on the pages read, and every call to action leads to a demo request. A separate free E-Invoice Converter is linked from the footer at e-rechnung.finto.de.
What are the closest alternatives to Finto?
Vic.ai is the nearest named rival for autonomous accounts payable. Veryfi and Mindee suit teams that only need document extraction and will build the rest themselves. Campfire and Numeral are better when the job is the ledger and the close instead of invoice intake.
Is Finto a better fit than Vic.ai?
It depends on where you run finance. Finto targets German-speaking enterprises on SAP, DATEV or Dynamics and ships in English and German. Vic.ai publishes larger volume claims, so a US or multi-country team should get demos of both.
Does Finto train its models on your invoices?
The vendor says it does not train shared models on customer data, and its homepage lists GDPR compliance. Hosting is in Central Europe at a provider with ISO/IEC 27001 and 27018 certificates; those belong to the host, not to Finto itself. Ask for the data processing agreement before signing.
Top Alternatives
- Vic.ai: Pick Vic.ai if you want an accounts payable product with published volume claims; pick Finto if you run SAP or DATEV and want a vendor based in Germany.
- Veryfi: Pick Veryfi if you need a document extraction API to build into your own flow; pick Finto if you want coding, approval and ERP posting run for you.
- Mindee: Pick Mindee for parsing APIs your developers wire up; pick Finto when finance wants an operated invoice workflow with ERP connectors.
- Campfire: Pick Campfire when the work is ledger and close management; pick Finto when invoice intake is the bottleneck.