Fynaro

Features

Everything a Swiss company needs in accounting

From quote to QR invoice, from bank reconciliation to VAT, payroll and year-end close — one system, no module purchases. And if your revenue recurs, Fynaro goes a step further.

Sales & receivables

From quote to payment, without breaks in the chain.

  • QR invoices per ISO 20022 with QR-IBAN and reference, PDF in SIX layout
  • Quotes turned into invoices with one click
  • Recurring invoices with any interval and automatic sending
  • Staged dunning — from a polite reminder to debt-collection preparation
  • Sent straight by email, incoming payments matched automatically
  • Partial payments and deposits — the open balance is always correct
  • Payment terms with early-payment discount: “2 % 10 days, 30 days net”

Accounting & closing

Double-entry per Swiss CO — without writing journal entries yourself.

  • SME chart of accounts, every entry with debit and credit, gapless journal numbers
  • VAT effective or net tax rate, rates 8.1 / 2.6 / 3.8 % applied automatically
  • Account ledgers with running balance, trial balance with prior year, journal
  • Batch quick entry: receipt on the left, form on the right, keyboard-driven
  • Reversals instead of deletions, gapless numbering, audit trail per change

Banking, purchasing & payments

Money in and money out, in the same system.

  • Import camt.053 statements, match payments automatically
  • AI receipt reading: vendor, date, amount and suggested account
  • Payment runs as pain.001 — one upload instead of twenty transfers
  • Foreign currencies with automatic exchange-difference posting (gain/loss)
  • Document archive: attach a receipt to an entry and find it again any time
  • Recurring entries for rent, subscriptions and leasing — set up once
  • Direct debits as pain.008 with mandate handling, delivery notes included

Payroll

Included in the plan — no per-employee surcharge.

  • Payroll runs with AHV, ALV, BVG, UVG and withholding tax
  • Payslips as PDF, ready to distribute
  • Journal entries created automatically from the payroll run
  • Salary certificate data prepared for the annual filing
  • Payroll journal and cumulative annual journal per wage type; rates per company and year

Fiduciary & collaboration

Your fiduciary works in the same data — no exports.

  • Dedicated fiduciary access that does not consume a user seat
  • Mandate cockpit with open tasks across all clients
  • White-label: your own logo and colour in the portal
  • Bulk onboarding: up to 100 mandates via CSV
  • Roles from “Read only” to “Owner” — staff record, you post

Recurring revenue

The part no other Swiss tool handles natively.

  • Stripe, Payrexx and Wallee consolidated into one set of books
  • MRR, ARR and churn in real time instead of a document list
  • Revenue recognition per Art. 958b CO, to the rappen, audit-ready export
  • A failed card payment automatically becomes a QR invoice
  • CFO cockpit with 24-month runway and scenarios

AI, interfaces & security

Full control — including over whether AI is involved at all.

  • AI fully switchable off or used with your own key (BYOK)
  • Import from bexio, Abacus and Banana with format detection; other systems via generic CSV — with rollback
  • API and MCP server for your own automations
  • Signed webhooks for Zapier, Make and your own systems
  • Data at rest in Switzerland (Zurich), tenant isolation via row-level security

Included, not charged extra

At most providers these exact items cost extra. At Fynaro they are part of the plan.

  • Unlimited documents and entries — on every plan, including the free one
  • Payroll with no per-employee cost
  • Additional users within the plan at no surcharge
  • Fiduciary access free and without consuming a seat
  • All four national languages plus English
  • Only AI is metered — as credits, transparent and toppable

What Fynaro does not do (yet)

Better said upfront than discovered later.

  • Payroll is not Swissdec-certified — no electronic ELM submission to authorities
  • E-invoices are produced as UBL per EN-16931, but Fynaro is not a Peppol access point
  • pain.001 files have not yet been validated with a bank
  • Bank connectivity runs via camt.053 upload; bLink and EBICS are prepared, contracts pending
  • No time tracking, no inventory, no consolidation
  • No native mobile apps — the web interface is optimised for mobile

Start free and judge for yourself

The free plan includes full double-entry accounting with unlimited documents. No credit card, no trial period.

See pricing