Your entire back office, on autopilot.

AI agents that process your invoices, close your books, forecast cash flow, and keep you tax-compliant. We automate everything between your payroll tool, your expense card, and your accounting software.

Integrates with
Agent Activity Feed
Payroll synced from Gusto: 23 employees verified, deductions matched, GL entries posted automatically
Payroll Agent · just now
Month-end close complete: all 253 transactions reconciled, P&L and balance sheet generated
Close & Reporting Agent · 5m ago
12 employee expense reports reviewed, 3 flagged for policy violation, 9 approved and reimbursed
Expense Management Agent · 12m ago
Cash flow forecast updated: $48K runway, optimal payment schedule saves $1,200 in early-pay discounts
Cash Flow Agent · 1h ago
Q4 sales tax filing pre-filled across all revenue streams: net remittance $15,500, supporting docs attached
Tax Compliance Agent · 3h ago
THE PROBLEM

Your finance team is stuck in the weeds.

0% of back-office finance workflows are still manual Source: Accenture
0 per week spent on AP, AR, payroll, expenses, reconciliation, and reporting
$50K-$250K+ in annual labor cost on financial ops across the $3M-$20M range
2-3 weeks to close the books each month, when it should take hours

Monday morning: supplier invoices piling up, expense reports waiting for review, three clients overdue on payment. You start entering data into QuickBooks. Line by line, PDF by PDF.

By noon you're running payroll, double-checking deductions, and fixing a miscoded journal entry from last week. The bank rec from yesterday? Still untouched.

After lunch, you pull together a cash flow snapshot for the owner, chase down missing receipts from the field team, and start prepping for the quarterly tax filing.

By 5pm, the real strategic work (budgeting, forecasting, advising the business) hasn't even started.

You're too big to do this in a spreadsheet and too small to hire a finance team. So it falls on your office manager, your bookkeeper, or you. And every month, it's the same cycle.

Your finance team isn't slow. They're buried in work that shouldn't require a human.

THE PLATFORM

An AI team running every financial workflow, 24/7.

Purpose-built agents for every corner of your back office: AP, AR, payroll, expenses, reconciliation, reporting, cash management, and tax. They read documents, understand context, take action, and escalate only when something needs human judgment.

Data Sources
mail Email & Documents
account_balance Bank Feeds
point_of_sale POS & Payroll
receipt Receipts & Expenses
calculate Accounting Software
Agent Layer
AP & AR
Reconciliation
Payroll & Expenses
Cash & Forecasting
Tax & Compliance
Actions
menu_book GL Coding & Journal Entries
paid Payments & Deposits
payments Payroll & Reimbursements
description Tax Filings & Compliance
bar_chart P&L, Reports & Forecasts
Your Review
✓ Payroll ready: approve $47K run?
⚠ Expense report: $320 over policy
📈 Month-end close package ready
THE AGENTS

Purpose-built agents for every part of your back office.

Accounts payable and receivable, fully managed.

1

Ingests supplier invoices from email, uploads, or EDI. Extracts vendor, line items, amounts, tax, and payment terms automatically.

2

Matches against purchase orders and vendor history. Codes to correct GL account. Schedules payments based on terms and cash position.

3

On the AR side: generates and sends customer invoices, monitors aging, and drafts contextual follow-ups: gentle at 30 days, firm at 60, escalation at 90.

4

Flags anomalies on both sides (duplicate invoices, price variances, overdue clients) and queues everything for one-tap approval.

Replaces: Manual data entry, PDF review, GL coding, PO matching, AR tracking, payment follow-ups
90%+ of AP/AR auto-processed · DSO reduced 10-15 days
Before
mark_email_unread Invoice_ABC_Supply.pdf
mark_email_unread Client XYZ, 47 days overdue
mark_email_unread Statement_Feb_Delta.pdf
mark_email_unread PO_mismatch_query.pdf
mark_email_unread Send invoice to Acme Co?
arrow_forward
After
check_circle ABC Supply $2,400, paid
check_circle Client XYZ, follow-up sent
check_circle Delta $5,200, scheduled
warning PO mismatch, needs review
check_circle Acme Co, invoiced $8,400

Continuous reconciliation. Month-end close in hours, not days.

1

Pulls bank feeds nightly. Matches every transaction against invoices, expenses, payroll runs, and journal entries using fuzzy matching.

2

Auto-categorizes unmatched transactions based on vendor history, spending patterns, and GL structure.

3

Generates month-end close package: trial balance, P&L, balance sheet, and variance analysis. Pre-built and ready for review.

4

Flags exceptions with suggested resolutions. Creates custom reports and dashboards so the business always has real-time financial visibility.

Replaces: Line-by-line bank recs, spreadsheet reporting, week-long month-end close, manual P&L preparation
2-3 weeks to <1 day month-end close · Real-time financial reporting
event_note February 2026 Close 5 of 7 complete
check_circleBank reconciliation (3 accounts)Auto, 2m ago
check_circleRevenue recognitionAuto, 2m ago
check_circleExpense accruals postedAuto, 1m ago
check_circleAdjusting journal entries (4)Auto, 1m ago
check_circleP&L + balance sheet generatedAuto, just now
warningVariance analysis: COGS +12% vs. prior monthNeeds review
radio_button_uncheckedFinal sign-offWaiting

Payroll, expenses, and reimbursements. Handled.

1

Calculates payroll runs including hours, salary, deductions, benefits, and statutory withholdings. Handles multi-state, multi-province, and contractor payments.

2

Ingests employee expense reports from receipts, credit card feeds, and mobile uploads. Verifies against spending policies automatically.

3

Flags policy violations (over-limit, missing receipts, duplicate claims) and auto-approves compliant expenses. Routes exceptions for review.

4

Schedules direct deposits, generates pay stubs, and books all payroll and expense entries to the correct GL accounts.

Replaces: Manual payroll calculation, expense report chasing, receipt matching, reimbursement tracking
95% of expenses auto-categorized · Zero payroll calculation errors
receipt_long Expense Review Queue 12 of 14 auto-approved
Client dinner, Ristorante$142.50check_circle Approved
Office supplies, Staples$89.00check_circle Approved
Flight to conference$1,240.00warning Over $500 limit
Team lunch, weekly$67.30check_circle Approved
Hotel, 3 nights$890.00hourglass_empty Missing receipt
Uber to client site$34.50check_circle Approved

Real-time cash visibility. Scenario planning. No surprises.

1

Builds a live cash position from bank balances, pending receivables (probability-weighted by customer history), upcoming payables, payroll, and tax obligations.

2

Recommends optimal payment timing: which bills to pay now vs. defer based on vendor terms, early-pay discounts, and cash runway impact.

3

Generates rolling 13-week and 12-month forecasts. Models what-if scenarios: "What if Client X pays late?" "What if we hire two people next month?"

4

Alerts when cash approaches thresholds. Recommends actions: defer a payment, draw on credit line, accelerate AR collection.

Replaces: Spreadsheet forecasting, gut-feel payment decisions, cash flow surprises, manual scenario planning
$5-10K saved annually in early payment discounts · Always-on cash visibility
account_balance_wallet Cash Position Healthy
Current balance
$127,400
arrow_downwardAR incoming (30 days)+$48,200
arrow_upwardAP due (30 days)-$31,800
arrow_upwardNext payroll run-$23,500
arrow_upwardTax remittance (Q4)-$8,200
Projected (30 days)$112,100
Runway4.2 months
tips_and_updates Pay Delta Services early to capture 2% discount ($104 saved)

Tax compliance on autopilot. No more filing surprises.

1

Tracks tax collected vs. tax paid across all revenue streams and expense categories in real time

2

Applies correct tax treatment based on transaction type, jurisdiction, and business activity

3

Pre-fills quarterly filings (IRS, CRA) with calculated amounts and supporting documentation

4

Flags transactions where tax treatment is ambiguous and explains why, so you or your accountant can make the call

Replaces: Manual tax tracking, quarterly scramble to calculate remittances, penalties from filing errors
50% reduction in accountant fees, near-zero filing errors
verified_user Tax Compliance 3 of 4 filed
check_circle
Q1
$12,400
Filed Apr 30
check_circle
Q2
$14,100
Filed Jul 31
check_circle
Q3
$15,800
Filed Oct 31
autorenew
Q4
$15,500
Due Jan 31
YTD collected$57,800
YTD remitted$42,300
Q4 net owing$15,500
GETTING STARTED

Live in under a week. No migration required.

link
Day 1

Connect

Connect your accounting software, link bank accounts via Plaid, connect payroll, and forward your invoice inbox. Takes 15 minutes.

psychology
Days 2-3

Learn

Our agents analyze your historical transactions, chart of accounts, vendor and customer patterns, payroll structure, expense policies, and tax setup. They learn how your business operates before touching anything.

rocket_launch
Days 4-5

Activate

Agents start processing in supervised mode. You review and approve every action for the first week. Once confident, switch to autonomous mode with smart escalation.

INTEGRATIONS

Plugs into the tools you already use.

Accounting
Banking
POS & Commerce
Expense Management
Payroll
Project Management
Communication

Don't see your tools? We're adding new integrations every month. Let us know what you need.

USE CASES

Built for businesses with real financial complexity.

Construction & Trades

40+ vendors, subcontractor holdbacks, project-based cost allocation, sales tax variations by job type, workers' comp compliance. Our agents handle the complexity so your office manager doesn't have to.

Food & Beverage / Multi-Location Retail

Reconciling POS revenue across 5, 10, 20 locations against your books. Supplier invoices from dozens of distributors. Tip reporting. Inventory cost tracking. All automated, all reconciled nightly.

Professional Services

Time-based billing, retainer management, trust accounting compliance, multi-partner distributions. Invoice your clients on time and get paid faster.

Healthcare Practices

Insurance claim reconciliation, patient billing follow-up, multi-provider payroll, regulatory compliance. Focus on patients, not paperwork.

Field Services

Job costing, mobile crew payroll, equipment depreciation tracking, customer invoicing from the field. Financial ops that keep up with your team.

Manufacturing & Distribution

Purchase order management, inventory valuation, landed cost calculation, multi-warehouse reconciliation. End-to-end financial visibility.

TRUST & SECURITY

Your financial data, protected at every layer.

lock

256-bit AES + TLS 1.3

Encrypted end to end, at rest and in transit.

verified_user

SOC 2 Compliant

US and Canadian data residency options. PIPEDA and state privacy law compliant.

visibility

Full Audit Trail

Every action logged. Human approval on all payments. Read-only by default.

Your data is never used to train AI models. Period.

DESIGNED TO DELIVER

What Payvo is built to achieve.

2 hrs/wk
Target back-office finance time (down from 20+)
<1 day
Target month-end close (down from 2-3 weeks)
0%+
Workflow automation target
0:1
Projected ROI on subscription

We're onboarding our first customers now. Their stories will live here.

FAQ

Frequently asked questions

Most businesses are fully onboarded in under a week. Connect your accounting software and bank, let our agents learn your patterns for 2-3 days, then activate. No data migration needed.

Yes. We plug into your existing accounting software via API. We don't replace QuickBooks or Xero. We make them dramatically more powerful by automating everything around them.

Never. All payment actions require your explicit approval. You set the rules for what gets auto-approved (e.g., recurring invoices under $500 from verified vendors) and what requires manual sign-off.

Every action includes a confidence score. Low-confidence actions are automatically escalated to you with an explanation. You correct it once, and the agent learns for next time. Full audit trail on every decision.

Your data is encrypted at rest and in transit, hosted on SOC 2 Type II compliant infrastructure with US and Canadian data residency options, and never used to train AI models. We comply with PIPEDA and applicable state privacy laws.

No. Our agents work in the background with your existing tools. Your team gets a simple approval dashboard and mobile notifications. No new software to learn, no workflow changes required.

Yes. Growth and Enterprise plans include an accountant portal where your accountant or bookkeeper can review agent actions, pull reports, and access the audit trail directly. Most accountants love it because clients show up with clean books.

Let us know. We're adding new integrations continuously and prioritize based on customer demand. If it has an API, we can likely build the connection.

Stop running your back office manually.
Start running your business.

Join the first wave of businesses putting their entire financial operations on autopilot.

We'll reach out within 24 hours to schedule a walkthrough.