Bill pay that reads the invoice for you
Forward a PDF. We extract it, match it, queue it for one approval.
Trusted by [N] businesses across Europe
- banks you can connect
- 2,500+
- days to verify your business
- 2–3
- to start · 30 days free
- €0
The platform
One platform for your back office.
Accounts, bills and books.
€0 to start · first 30 days free · no card neededEvery balance as one live number
Your accounts and 2,500+ European banks, one ledger.
Reconciliation that finishes before month-end starts
Categorised, VAT-coded, posted to Exact Online.
Payments that land before the call ends
SEPA Instant and Credit Transfer, out of the box.
Ask your ledger instead of exporting it
Plain-language answers from your own accounts.
The assistant
Drop the invoice in. It knows what to do with it.
Drop a bill in and ask. It reads the invoice, files it in Bill Pay, and tells you what needs approving.
Pricing
Start free.
Pay for what you run.
Every plan bundles a month of accounts, connections, team members, bills and payments, with anything above it billed per unit on the paid plans.
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.
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 any paid plan
The same rate on Starter and Business, on the same monthly statement.
- per extra legal entity / month
- €3.00
- per extra business account / month
- €4.00
- per extra bank connection / month
- €2.00
- per extra team member / month
- €3.00
- per extra bill processed
- €0.10
- per extra SEPA payment sent
- €0.15
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.
Straight answers on what Paygoro actually does, what it costs, and what happens to your money and your data.
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 ledger, 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 runs two to three 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?
Exact Online is connected today. An approved bill is posted as a purchase entry with the supplier, the VAT split and the original PDF attached, and Paygoro keeps watching Exact, so a change or a registered payment shows up back on the bill. The integration is built so other packages can follow.
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 ledger, 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.
Still deciding?
Start on the free plan with one connected bank and 10 bills a month. No card, and nothing to migrate.
Still something unanswered? Write in from the dashboard. A real human on the team replies.