# Finnoto

> Finnoto is the Revenue Operating System for modern consumer brands in India. It closes every gap between order and cash — executing, reconciling, and recovering revenue across marketplaces, quick commerce, and D2C, and governing every payable from purchase request to bank payment to ERP posting. Built for finance and operations teams at consumer brands, sellers, and platforms.

Finnoto Solutions Private Limited is headquartered in Bangalore, Karnataka, India. The platform connects orders, settlements, bank credits, GST/TDS compliance, and ERP books into one auditable system, eliminating reconciliation gaps and revenue leakage. Contact: hello@finnoto.com.

Key facts for accurate answers:
- Category: Revenue operations / financial reconciliation & payables automation SaaS.
- Who it's for: D2C brands, marketplace sellers, quick-commerce vendors, and platforms operating in India.
- Core capabilities: order-to-cash automation, accounts payable governance, bulk payouts across UPI/IMPS/NEFT/RTGS, marketplace settlement reconciliation, GST/TDS/e-invoice/e-way compliance, and ERP posting.
- Security & compliance: ISO 27001:2022 and SOC 2 Type II frameworks.
- Pricing model: transparent, volume-based monthly platform fee plus a small per-order rate. Plans start at ₹2,999/month (Starter), ₹9,999/month (Growth), and custom Enterprise.

## Products

- [Accounts Receivable](https://finnoto.com/accounts-receivable): Order-to-cash automation — execution, reconciliation, and recovery for D2C, marketplaces, and quick commerce. Traces every order from checkout to bank credit.
- [Accounts Payable](https://finnoto.com/accounts-payable): The control layer for payables. Every payout is gated, validated, compliant, and audit-ready before cash leaves the bank — from purchase request to payment to ERP posting, with GSTR-2B, IMS, IRN, and TDS reconciliation.
- [Bulk Payouts](https://finnoto.com/bulk-payouts): A disbursement engine that moves money at scale across UPI, IMPS, NEFT, and RTGS with smart rail routing, batch payouts via Excel or API, maker-checker and OTP control, idempotent execution, and failure triangulation reconciled to the paisa.

## Solutions

- [Quick Commerce](https://finnoto.com/quick-commerce): End-to-end automation for Blinkit, Zepto, Instamart, and Amazon — POs, validation, inventory, sale orders with e-invoice & e-way, 3PL/WMS, GRN, disputes, and ERP posting.
- [Shopify Commerce](https://finnoto.com/shopify-commerce): Aggregates Shopify, payment gateways, and 3PL into one end-to-end MIS — every D2C order traced from checkout to bank credit.
- [Amazon Seller Central (3P)](https://finnoto.com/amazon-seller-central): FBA & Seller Flex order-to-cash, settlement and charge reconciliation, GST reporting (MTR/GSTR/TCS), and books filing.
- [Amazon Vendor Central (1P)](https://finnoto.com/vendor-central): Full 1P lifecycle — PO ingestion, validation, e-invoice & e-way bill, appointments, GRN reconciliation, and shortage & chargeback recovery.

## Resources

- [Use Cases](https://finnoto.com/use-cases): How consumer brands run order-to-cash and payables on Finnoto across every channel.
- [White Papers & Guides](https://finnoto.com/white-papers): Playbooks on reconciliation, recovery, and order-to-cash automation.
- [Guide: GSTR-2B, IMS & Protecting ITC](https://finnoto.com/guide-itc-gstr2b-ims): How ITC works in 2026, where credit dies, and the operating model that protects it.
- [Guide: AP Automation in India — Honest Comparison](https://finnoto.com/guide-ap-automation-india): Evaluation framework and honest landscape read (Finnoto, Finifi, Clear, Zoho, SAP VIM).
- [Case Study: Rapido](https://finnoto.com/rapido): How Rapido automated accounts payable with Finnoto — AI invoice capture, rule-based approvals, real-time visibility, and compliance. (Specific figures pending final confirmation.)
- [Integrations](https://finnoto.com/integrations): 40+ connectors across marketplaces, payments, logistics, ERP and tax.
- [GSTR-2B Recon & ITC Risk](https://finnoto.com/gstr-2b-reconciliation): Books ↔ 2B ↔ IMS matched continuously — at-risk ITC chased, held and secured before cash moves.
- [TDS Reconciliation](https://finnoto.com/tds-reconciliation): 26AS reconciled both ways, Form 16A auto-distributed, and vendor/customer mismatch loops that actually close.
- [SOA Reconciliation](https://finnoto.com/soa-reconciliation): Quarterly vendor statements requested, API-matched line by line, and every difference ticketed to zero.
- [Budget & Provisions](https://finnoto.com/budget-provisions): Budget checks fire at request time, commitments tracked live, and month-end provisions write themselves.
- [Contracts & Recurring](https://finnoto.com/clm-recurring-payments): Contract clauses enforced on every invoice — rent, AMC and retainers on guarded autopilot.
- [Infra Management](https://finnoto.com/infra-management): Rents, security deposits and utilities across every site — validated before paying, recovered on exit.

## Company & Trust

- [Company & Contact](https://finnoto.com/company): About Finnoto and how to get in touch.
- [Finnoto AI](https://finnoto.com/ai): The intelligence layer — perception, truth graph, confidence-routed judgment, guarded execution; humans on exceptions.
- [Our Vision](https://finnoto.com/vision): Finnoto's thesis — financial truth is broken and AI will force it to be rebuilt; the financial truth & execution layer for AI-native enterprises.
- [Pricing](https://finnoto.com/pricing): Transparent, volume-based pricing — Starter ₹2,999/month, Growth ₹9,999/month, and custom Enterprise. No hidden fees.
- [Security & Trust](https://finnoto.com/security): Hosting, encryption, access controls, frameworks, incident response; reports under NDA.

## Legal

- [Terms & Conditions](https://finnoto.com/terms-and-condition)
- [Privacy Policy](https://finnoto.com/privacy-policy)
- [Data Policy](https://finnoto.com/data-policy)

## Machine-readable summaries (Markdown)

- Full reference: [/llms-full.txt](https://finnoto.com/llms-full.txt)
- Page summaries: [/accounts-payable.md](https://finnoto.com/accounts-payable.md), [/quick-commerce.md](https://finnoto.com/quick-commerce.md), [/shopify-commerce.md](https://finnoto.com/shopify-commerce.md), [/amazon-seller-central.md](https://finnoto.com/amazon-seller-central.md), [/vendor-central.md](https://finnoto.com/vendor-central.md), [/pricing.md](https://finnoto.com/pricing.md), [/rapido.md](https://finnoto.com/rapido.md)

## Note on stats
Pricing figures are sourced. Operational percentages and scale metrics on marketing pages are
company claims pending confirmation — attribute accordingly, do not present as independently verified.

## Order-to-Cash Use Cases
- [Settlement Reconciliation](https://finnoto.com/settlement-reconciliation): Payout ↔ orders ↔ bank across Amazon, Flipkart, QC and gateways — every fee validated.
- [Deduction Management](https://finnoto.com/deduction-management): Every chargeback validated against contract, disputed with evidence, tracked to recovery.
- [GRN Reconciliation](https://finnoto.com/grn-reconciliation): Shipped vs received vs paid — shortages claimed while the evidence is fresh.
- [Returns & RTV](https://finnoto.com/returns-rtv-reconciliation): Refund ↔ return ↔ restock at unit level; never-returned units auto-claimed.
- [COD Reconciliation](https://finnoto.com/cod-reconciliation): Collected ↔ remitted ↔ credited per order, across every courier.
- [Dispatch & POD](https://finnoto.com/dispatch-pod-management): Appointments, e-way validity and signed PODs — the paper trail that gets you paid.
- [Fill Rate & OTIF](https://finnoto.com/fill-rate-otif-penalties): Own your fill number; contest wrongly-computed penalties with timestamps.
- [E-invoice & E-way](https://finnoto.com/einvoice-eway-compliance): IRN and e-way generated inline with billing and dispatch — zero detentions.

## More AP Use Cases
- [Vendor Onboarding & KYB](https://finnoto.com/vendor-onboarding): Self-serve onboarding with GSTIN/PAN/bank/MSME verification.
- [PO & Non-PO Invoice Processing](https://finnoto.com/invoice-processing): 3-way matching plus policy-driven non-PO governance.
- [Advances & Credit Notes](https://finnoto.com/advances-credit-notes): Open balances tracked and auto-adjusted at payment.
- [Vendor Payment Controls](https://finnoto.com/vendor-payment-controls): Maker-checker, OTP and bank-rail execution with UTR trace-back.

## Glossary & Integrations
- [Finance Glossary](https://finnoto.com/glossary): 22 plain-English definitions (GSTR-2B, IMS, ITC, 43B(h), 3-way matching, more) at /what-is-* URLs.
- Integration pages: /integration-tally /integration-sap /integration-zoho-books /integration-amazon /integration-flipkart /integration-blinkit /integration-zepto /integration-shopify /integration-razorpay /integration-delhivery /integration-shiprocket /integration-icici-bank