No SaaS fees. Cash back on every account.

Banking built for F&B.

Cash management, corporate cards, and AI-powered bill pay - plus cash back on every dollar. Built around how restaurants and bars actually run.

Save time. Keep more of your money.

Cash management, corporate cards, and accounts payable in one platform - built to pay you back, not nickel-and-dime you.

Set up subaccounts tailored to your business. Easily move funds and control cash flow across your organization.

AI for AP

Invoto's AI-native workflow turns any invoice into a payment-ready transaction in seconds.

Capture

Snap, upload or forward any invoice to Invoto. AI extracts meta and line item data including item codes, counts and UoMs in minutes with super-human accuracy.

Pay or schedule

Pay by card, ACH or direct-debit right from the platform. Or schedule a payment for later. Invoto monitors your accounts and automatically marks invoices as paid in real-time.

Reconcile and sync

Invoto AI will match expense categories, including products, to your GL accounts and sync to your accounting software providing fine-grained visibility into COGS and inventory.

Open an account in minutes.

Cash management, corporate cards, and bill pay - with cash back built in. No personal credit check or guarantee required.

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