One revenue, several sources
The sale is in the till or the shop, the money is with the intermediary, the cash is at the bank. Three places, one revenue: counting it twice distorts your results.
Connector module
All your sources.
One set of books.
Your business takes payments through several channels: till, online shop, transport platform, payment provider, bank. The connector gathers these sources, recognises revenue, commissions and fees, and prepares the journal entries.
Switzerland: bank statements in ISO 20022 format (CAMT) are supported. A commission invoiced from abroad by a provider is treated with VAT on acquisition of services from abroad where your company is subject to it.
The problem: your data is everywhere
Commissions withheld before payout
The platform or payment provider keeps its commission and pays you the rest. Turnover is the gross amount; the commission is an expense.
A payout that matches no single sale
One transfer bundles dozens of sales, sometimes from several shops and several periods. Reconciling it by hand takes hours.
The principle: five roles in the flow of money
Pinnokio does not plug in "an application": it understands the role of each source. Five roles, five questions that are always the same, whatever the provider.
The bank
It holds the money. Its statement confirms that the chain is closed.
Collection
It collects on your behalf and pays out: payment provider, card acquirer, platform.
Revenue
It is born at the sale: till, shop, platform statement.
ExpensesComing soon
Platform, payment and service fees.
StockRollout in progress
Movements by warehouse or by shop.
Three facts, one revenue
How it works
- 1
Upload the export
You upload the Excel or CSV file from your tool (through chat, documents or email).
- 2
Learn the flow once
Pinnokio identifies the columns, accounts and VAT in your files, then submits its reading to you for approval.
- 3
Replay and post
Subsequent files are processed without AI, deterministically. The sales of a given period produce one aggregated draft journal entry, with an audit document that keeps the line-by-line detail.
- 4
Confirm with the bank
The bank statement clears the pending amounts, identifier by identifier. Anything not yet collected stays visible in a tracker.
What is available today, and what is coming
Until API connections arrive, file import does exactly the same job of recognising revenue, expenses, bank fees and the bank side.
Excel and CSV import
Early access
Sales and revenue with VAT, commissions and fees, tips, payouts, statements, stock. A multi-sheet workbook is read as a small graph: sales, payouts and commissions on different sheets. Open in early access.
Bank statements (CAMT, CSV, Excel)
Available
Import with balance continuity check and human approval.
Direct API connections
Coming soon
Automatic retrieval at the frequency of your choice (day, week, month, quarter) from your platforms, tills and payment providers.
Expenses and expense reports from your tools
Coming soon
Company cards and spend management tools.
Revenue collected in advance
Available
Gift vouchers, packages, tuition, overnight stays: revenue is recognised as the service is delivered.
Who is it for? Typical situations
These scenarios were tested on fictitious datasets. Each real flow is first learned on your own files, then approved with you.
Restaurant with a connected till
- Till
- Card acquirer
- Bank statement
Cash goes to the till; cards go to a receivable from the acquirer, then to the bank. Two VAT rates per receipt, tips paid out separately. Without the acquirer's statement, card sales remain "declared, not recognised".
Driver on a transport platform
- Platform statement
- Commission
- Transfer
The platform is both revenue source and intermediary: the gross amount (rides, tips) is income, the commission is an expense, and the transfer is confirmed by the bank.
Online shop, several shops
- Shops
- Payment provider
- Bank
One payout mixes the orders of three shops: Pinnokio clears by order identifier and keeps stock by warehouse.
School or training provider
- Fees collected
- Service period
- Revenue recognised
Receivables, deferred income and a schedule: revenue is recognised as the service is delivered.
Coach or freelancer with session packs
- Pack paid in advance
- Session used
- Revenue recognised
A pack collected in advance is recognised session by session.
Hotels and accommodation
- Management software
- Booking platform
- Bank
The platform is sometimes an intermediary, sometimes a supplier; the tourist tax is paid over to the municipality.
See revenue recognitionSales, commissions and batched payouts
An online business sells, the payment provider withholds its commissions and pays out a batched amount. The connector links the four and assigns each item to the right period.
Revenue recognition: down payments and advance receipts
Collecting is not always earning. A school that invoices in advance, a hotel that takes payment for a stay, a coach who sells a pack, a lawyer who receives a down payment: the money is at the bank, but it does not follow the same accounting rules. Depending on the case, it becomes revenue as the service is delivered, or stays on the balance sheet in the meantime.
According to the contract
The contract's cadence (recurring, milestone, usage-based, progress-based) sets when revenue is recognised.
See the contracts moduleAccording to the profession
School, hospitality, coaching, law firm, construction: each sector applies its own rules.
See the use case: when to recognise revenueWhat stays on the balance sheet
A down payment or an amount collected in advance stays on the balance sheet until the service has been delivered.
And your line of business?
The principle applies to any tool that can produce a tabular export. We do not claim to have already proven it in every sector: we learn the flow with you, on your files.
Construction sites and project management
Your site or project management software exports its progress, hours or progress invoices: the connector turns them into journal entries and links them to the bank.
Consulting, lawyers, agencies
Fees, down payments and disbursements from your practice management tool reach the books with the right revenue treatment.
Marketplaces, subscriptions, associations
Marketplace commissions, recurring subscriptions, donations: flow families we have studied, to be confirmed case by case.
The safeguards
No duplicates
Each line receives a stable key. If two files overlap, the line is counted only once; a gap between two files is rejected.
Bank check
Opening balance plus movements must equal the closing balance; otherwise the automatic import stops.
VAT guard
A revenue summary without VAT for a VAT-registered company triggers an alert or a block, which can be lifted with a traced reason.
Balanced entries, as drafts
An unbalanced entry is rejected. Everything goes out as a draft, for approval.
No AI at run time
AI learns and adapts the flow; routine processing is deterministic and reproducible.
Audit document
A PDF journal and a detail spreadsheet keep every source line.
What the connector does, and does not do
It consolidates: one aggregated entry per period and per category, with the detail kept alive in the audit document. It does not create invoices, customers or orders, and it does not provision for your unpaid invoices: that decision stays with the fiduciary firm or the company.
Frequently asked questions
Does Pinnokio connect directly to Uber, Shopify, Stripe, SumUp or my till?
Not yet. Direct API connections are planned. Today, you upload your tool's export in Excel or CSV format; Pinnokio learns the flow, then replays it and derives the journal entries. The work of recognising revenue, expenses and the bank side is the same.
What does the connector module add compared with my current accounting?
It consolidates journal entries coming from several channels: you avoid re-keying your data in several places, counting a revenue twice, or reconciling batched payouts by hand.
Has the connector already been used by real customers?
It is open in early access. The published scenarios (restaurant, transport platform, online shops, school, coach, hotel) were validated on fictitious datasets; each real flow is learned and then approved with you before going live.
Does the connector create my invoices and customers?
No. It handles revenue, commissions, fees and receipts; it does not create invoices, customers or orders.
How do you avoid counting a sale twice?
The sale, the collection by the intermediary and the money received at the bank are three facts about one revenue. Pending amounts carry the timing gap and are cleared identifier by identifier when the bank statement arrives.
Pricing
How much does it cost?
You pay as you go, in credits, with no mandatory subscription. Here is the order of magnitude.
- Supplier invoice processed
- 65 credits
- Bank transaction reconciled
- 35 credits
- Document routed
- 15 credits
- Assistant interaction
- ~3-5 credits
5'000 credits offered on sign-up, no credit card required.
See how it works on your own scenario
A business situation, your tools, your rules: the demo starts from your reality.