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Founders

Run the back office without hiring for it.

Bills, invoices, banking and books in one place, with the assistant doing the busywork and you approving from your phone.

  • Free to start, on the bank you have
  • Approve from WhatsApp
  • Books ready for your accountant
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BankingAccountsTransfersTransactionsForecast
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Find anything…⌘K
All entities3JV
Morning JaneHere’s a quick look at how things are going.
This month
Weekly summary1 of 4

€21,300.00 came in and €36,445.00 went out this week. 1 bill is overdue. 4 bills are waiting for approval.

Listen to itNext
Balance

Across 5 accounts. Your business account holds €160,240.00.

€184,250.00

See accounts
Forecast

Your balance is lowest on 30 Oct, at €41,200.00. That’s €1,200.00 above your alert.

See forecast
Needs you

Waiting on you: 1 overdue bill and 4 approvals.

€14,862.40to pay

Open bill pay
Money in and out

€18,740.00 in and €12,325.00 out so far this month.

See cash flow
Invoices

You have 3 unpaid invoices and €21,880.00 outstanding. Kade Architecten is 9 days late.

Late €5,420.00Not due €16,460.00
See unpaid invoices
Next 7 days

Aalders Interieurbouw is due tomorrow. 3 more payments follow.

Going out€11,869.00
Coming in€7,260.00
See what’s coming
Spending

Tax is your biggest cost this month, 80% of what you spent.

Tax80%Software10%Travel5%
See transactions
Pay a billSend an invoiceTransferForecastMatch receipts
I want to pay the bills that are overdueI want to see which customers haven’t paid yetI want to understand where we spent more than usual this month
I want to…

Forward it from your phone

A supplier sends an invoice. You forward it to WhatsApp. It is read, filed and waiting for one tap before you have put the phone down.

  • Your own phone, one shared number
  • Six fields read from the PDF
  • Asks you only when it must
AssistantWhatsApp, +31 6 …
INV-40921.pdf84 KB
What is this, and do I have to pay it?
Read the invoice, filed in Bill pay
Vattenfall electricity for August, €412.00, due 2 Sep. Filed in Bill pay. It needs your approval before it can be paid.
ApproveOpen in Bill pay
Approve and payVattenfall, INV-40921
Matched against transactionsNo payment found
Pay fromOperating €121,840.00
WhenOn the due date, 2 Sep
Approval ruleUnder €1,000, no second approver
ScheduleApprove and pay €412.00

One tap, and it is paid

Matched against your transactions first. Approve it and the payment goes out on the due date from your Paygoro account.

  • Pay now or on the due date
  • SEPA Instant where possible
  • Nothing paid twice

Month-end without the dread

Everything is categorised as it lands and posted with the document attached. Your accountant logs in as a viewer and finds it done.

  • A viewer seat, free
  • Zero to review, most days
  • Nothing to export
September 2026Every item green, the month is closed
Ready
Bank lines matched148 of 148
Bills approved or paid31 of 31
Receipts attached12 of 12
VAT return ready€3,214.00 payable
Posted to your booksSynced 2 min ago
€0
to start, no card needed
48 hours
from signup to IBAN
1 tap
to approve a bill

Also on Paygoro

  • Business accountsYour own EUR IBANs, opened in days
  • Bill payForward a PDF, we read and queue it
  • AssistantAsk your finances anything, in plain words

Questions about founders

Still something unanswered? Write in from the dashboard. A real human on the team replies.

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.

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.

Less admin.
More runway.

Bills, books and banking handled in one place. Start free with the bank you already have.

Free to start, no card needed.
A founder reading on a laptop under a warm lamp
Paygoro

The business account that closes the books. Built in Amsterdam.

Product

  • Business accounts
  • Bill pay
  • Invoicing
  • Bookkeeping
  • Assistant
  • Pricing

Solutions

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  • Finance leads
  • Accountants
  • Multi-entity
  • Close the month faster

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Paygoro business accounts, IBANs and SEPA payment services are provided through our regulated European banking partner. Account data from connected banks is retrieved under PSD2 with your explicit consent, and can be revoked at any time.

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