Take control of your cash, today and going forward
Reconcile your bank transactions, forecast your cash flow with scenarios and targets, and pay suppliers and payroll via SEPA batch — all connected to your accounting.
- Reconciliation
- Cash flow
- SEPA batches
- Multi-currency
Treasury, connected to accounting
The usual problems
No cash visibility
Not knowing whether you'll make it to month-end until you check the bank.
Reconciliation by hand
Matching the statement to invoices one by one in a spreadsheet.
Payments one by one
Ordering each transfer or direct debit separately.
Static forecasts
An Excel that goes out of date the moment anything changes.
How Zynvio solves it
Treasury accounts
Banks and cash accounts with actual balance and book balance, in a single view.
Bank reconciliation
Import statements (CSV/Norma 43) and match each transaction to its invoice or entry.
Cash flow
Month-by-month forecast: balance, collections and payments, with a per-account grid and chart.
Scenarios and targets
Compare scenarios (optimistic/pessimistic) and set editable forecast targets.
SEPA batches
Direct debits (pain.008) and credit transfers (pain.001) to collect and pay in batches, with returns.
Bank connection · In development
Real-time transaction sync via PSD2.
Payment gateways
Connect PayPal and Stripe via API: sync collections and payouts, separate the fees and reconcile automatically.
Multi-currency
Settle foreign-currency transactions with the exchange difference posted.
Signed SEPA mandate
The customer or member electronically signs the direct debit mandate, with the company's seal applied before their signature, ready to include in the SEPA batch.
See it in action
All your accounts, live
Banks, cash and gateways (Stripe, PayPal) with their up-to-date balance and what's left to reconcile; import statements via CSV or Norma 43 and everything is posted with no double data entry.
Connect your tools via API
Treasury draws from your invoicing and accounting, and reaches the bank via SEPA.
- Collections and payments reconcile and post automatically.
- Generate SEPA batches (pain.008 / pain.001) from your invoices.
- Import statements via CSV or Norma 43.
- Sync PayPal and Stripe via API, with fees and multi-currency.
Automate your workflows
Fewer spreadsheets and more forecasting.
- Cash-flow forecast based on invoice and payroll due dates.
- Assisted reconciliation with match suggestions.
- Bulk collections and payments via SEPA batch.
- Automatic PayPal and Stripe sync with reconciliation.
- Exchange differences calculated and posted.
Who it's for
Freelancers and SMEs
Know at all times how much cash you have and will have.
What you gain
Cash visibility today and 12 months out.
Assisted bank reconciliation, not manual.
Collections and payments via SEPA batch.
A forecast that updates with your invoices.
Everything posted with no double data entry.
Frequently asked questions
Can I forecast my cash flow?
Yes. The cash flow projects your balance, collections and payments month by month based on invoice and payroll due dates, with editable scenarios and targets.
How do I reconcile the bank?
You import the statement (CSV or Norma 43) and Zynvio suggests a match for each transaction with its invoice or entry; on confirmation, it is reconciled and posted.
Does it generate SEPA batches?
Yes. It creates direct debits (pain.008.001.02) and credit transfers (pain.001.001.03) to collect and pay in batches, with returns handling.
Does it connect to my bank?
Real-time bank connection via PSD2 is on the way; in the meantime, you import transactions via CSV or Norma 43, and the PayPal and Stripe gateways.
Do PayPal and Stripe integrate?
Yes. You connect your PayPal or Stripe account via API and Zynvio syncs your collections and payouts every few hours, separates the gateway fees, freezes the exchange rate on foreign-currency transactions and reconciles them with your invoices. You can also import their reports via CSV.
Explore more modules
Turn your operation into a connected system
Request a demo and see Zynvio in action.