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Bills & expenses

Know what you owe, and pay it on time

Supplier bills, receipts and expenses in one list with due dates you can actually see. Photograph a receipt and send it on WhatsApp, and the supplier, date and amount are read for you.

Receipts by photo

Send a photo of a receipt on WhatsApp. The supplier, date and total are read for you, ready to become a bill in one click.

Bills with due dates

See what’s due this week, what’s overdue and what’s coming, so cash never surprises you.

Approve before you pay

Bills start as drafts and are approved before they count, so the person entering them isn’t the person paying them.

Bulk supplier payments

Pick the bills to pay and download one payment file for your bank, in ISO 20022 or CSV. Mark them all paid in one step.

Input VAT, claimed

VAT on purchases flows into your VAT return automatically, so you don’t leave money on the table.

Supplier credit notes

Returns and discounts from suppliers are recorded properly against the original bill.

The shoebox of receipts, gone

Most owners keep receipts in a drawer and hope for the best at year end. With Zivobooks you snap the receipt the moment you get it. It lands in your document inbox, already read, waiting for you to approve it as a bill.

Expenses are grouped into clear categories such as rent, utilities, salaries, supplies and travel, so you can see where the money goes without learning accounting codes.

Pay suppliers without logging in to the bank 20 times

Choose the bills you want to pay, and Zivobooks creates one bulk payment file your bank understands. Upload it once, approve it in your banking app, and come back to mark everything paid together.

Purchase orders that become bills

Agree prices before you buy: raise a purchase order, email it to the supplier, and receive the goods when they arrive. When the supplier’s invoice comes in, the order becomes a bill in one click, with the same lines and prices.

Bills & expenses: your questions

Can’t find what you’re looking for? Ask us directly, and a person will answer.

Which banks accept the bulk payment file?

We create ISO 20022 pain.001 files, the international standard most banks accept for bulk payments, and a simple CSV for banks that prefer it. In the UAE, salaries go through your bank as a WPS file.

Can I track who approved a bill?

Yes. Every approval, change and payment is recorded in the audit log with who did it and when.

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