Included each month
- Legal entities
- 1
- Paygoro business accounts
- 0
- Connected external banks
- 1
- Team members
- 1
- Bills processed
- 10
- SEPA payments sent
- 0
Free stops at the allowance instead of charging you.
Your business
finances, handled.
Bank accounts, bill pay, cards and invoices in one place, synced with your bookkeeping. With AI doing the heavy lifting.
- Free plan, no card needed
- IBAN within 48 hours
- Cancel any time
Built on regulated European rails
- Licensed EU banking partner
- PSD2 bank access, read-only
- SEPA Instant payments
- Funds safeguarded
- Data held in the EU
- 2,500+
- European banks connect
- 48 hours
- from signup to IBAN
- 10 seconds
- for SEPA Instant to land
- AI
- doing the busywork
Every back-office job on one platform
Stop wasting time on bills, bank admin and bookkeeping. Paygoro does the busywork, you approve.
Forward. Pay. Synced.
Only the middle step needs a person.
- Step 1
Forward the invoice
Drag it in, forward it, or drop it in Slack or WhatsApp. Every field is read on arrival.
- Step 2
Approve and pay
Matched against your transactions first. One click approves the bill and sends the payment.
- Step 3
Synced to your bookkeeping
The entry lands in your accounting package with the VAT split and the PDF attached. Nothing to type.
Where your money sits
- Safeguarded funds
Held by our licensed European banking partner, separated from operating funds, under EU regulation.
- Read-only bank links
Under PSD2, with your consent. We never move money in them. Revoke any time.
- Roles and an audit trail
Owner, admin, member, viewer. Every action logged.
Start free. Pay for what you run.
Every plan bundles a month of usage. Above it, one per-unit rate on every paid plan.
Starter
Recommended€9/ month
Your own EUR IBAN, SEPA out, and a small team on the books.
14 days free, then €9 per month.
Included each month
- Legal entities
- 2
- Paygoro business accounts
- 1
- Connected external banks
- 3
- Team members
- 3
- Bills processed
- 50
- SEPA payments sent
- 20
Over the bundle it keeps working, billed at the rates below.
Business
€29/ month
Several IBANs to keep ops, tax and reserves apart, and bills by the hundred.
14 days free, then €29 per month.
Included each month
- Legal entities
- 5
- Paygoro business accounts
- 3
- Connected external banks
- 10
- Team members
- 10
- Bills processed
- 250
- SEPA payments sent
- 100
Same unit rates as Starter, so the plan only sets the bundle.
Above the bundle, on every paid plan
- €3.00
- per extra legal entity / month
- €4.00
- per extra business account / month
- €2.00
- per extra bank connection / month
- €3.00
- per extra team member / month
- €0.10
- per extra bill processed
- €0.15
- per extra SEPA payment sent
Excl. VAT where it applies. You see the unit price in the app before an action costs money, and every add-on lands on the same monthly statement. Cancel any time: your data and IBAN history come with you.
Things people ask before they sign up
Still something unanswered? Write in from the dashboard. A real human on the team replies.
Getting started
Can I use Paygoro without opening a new business account?
Yes, and plenty of teams start that way. Connect a bank you already use and Paygoro pulls the balances and transactions into one overview, then handles bills, categorisation and reconciliation on top of it. The free plan covers one connected bank and 10 bills a month, with no card on file. Paying those bills from Paygoro is what needs a Paygoro account.
How fast can I actually start?
Signing up and connecting your first bank takes a few minutes, and your transactions are there as soon as the first sync finishes. A Paygoro account takes longer because it is a real bank account: verification takes one to two business days for most companies, and the IBAN is live the same day we approve it.
Who can open a Paygoro business account?
Companies legally registered in the European Economic Area, with at least one beneficial owner who can complete identity verification. We support most common legal forms: BV, GmbH, Sàrl, Oy, S.L., and others. What you get is a dedicated EUR IBAN in your business name, so it works like any other business account: invoices, direct debits, payroll.
Bills, books and your team
How do invoices get into Paygoro?
Three ways, all landing in the same inbox: drag the PDF in, forward it to your company’s Paygoro email address, or drop it into Slack. Every invoice is read on arrival, so the supplier, amount, VAT, due date and invoice number are already filled in.
What happens once an invoice has been read?
Paygoro matches it against your bank transactions. Anything already paid is closed out, and the rest queue for one approval. Approve a bill and the SEPA payment goes out from the Paygoro account you pick, with the original PDF kept alongside it.
Does Paygoro work with my bookkeeping software?
Yes. An approved bill is posted to your accounting package as a purchase entry with the supplier, the VAT split and the original PDF attached, and Paygoro keeps watching it, so a change or a registered payment shows up back on the bill.
Can my accountant and my team use it too?
Yes. Invite them with a role: owner, admin, member or viewer. A viewer, usually the bookkeeper, sees everything and moves nothing. Starter includes 3 seats and Business 10, and extra seats are €3 a month each.
Your money, the rules and the price
What can Paygoro see and do in my linked banks?
Linked banks connect read-only under PSD2. We read balances and transactions to build your overview, we never move money in them, and you can revoke a connection from the dashboard whenever you like. Payments only ever leave a Paygoro account.
Where does my money sit, and who regulates Paygoro?
Money in a Paygoro account sits with our licensed European banking partner, in safeguarded accounts, separated from operating funds and protected under EU regulation. That partner issues your IBAN and is supervised by its home-state regulator. Paygoro builds the product on top of those rails.
What does it cost?
Free covers one connected bank, 10 bills a month and one seat, with no card on file. Starter is €9 a month and adds a Paygoro account, 3 connected banks, 3 seats, 50 bills and 20 SEPA payments. Business is €29 a month for 3 accounts, 10 banks, 10 seats, 250 bills and 100 payments. Both paid plans start with a 14-day trial.
See everything includedWhat if I outgrow a plan, or want to leave?
Going over an allowance never blocks a payment or a bill. The extra is simply billed per unit: €4 an account, €2 a connected bank, €3 a seat, €0.10 a bill, €0.15 a SEPA payment. Paid plans are monthly and you can cancel any time from the dashboard, and your data stays exportable while the account is open.
Less admin.
More runway.
Bills, books and banking handled in one place. Start free with the bank you already have.
