Finowo is the financial workspace for Polish businesses. One platform that replaces the stack of tools SMBs usually duct-tape together — invoicing, payments, documents, banking, and compliance.

small businesses.

Built for Polish

SMB-first, always

Compliance is table stakes

One source of truth

Local expertise, ready to scale

Our principles

Why we started

We're operators, engineers, and designers who have built software for Stripe, Square, and Shopify. Now we're channeling that experience into the tools we wish existed when we ran our own side businesses.

Product & Design

Engineering

Operations

Meet the team

Most e-commerce stacks treat VAT as your accountant’s problem and e-invoicing as next year’s problem. We don’t.

OSS / IOSS VAT

ViDA 2029

Works on the device you already own. Free to try.

Your whole operation in one place.

Online orders, till sales and marketplace listings all pull from the same stock count. OSS VAT and ViDA 2029 are in the invoice engine, not a plugin.

One stock.

Shop, site, marketplace.

The same SKU across your Shopify store, your physical till, your Amazon listing and your B2B catalogue. One number goes down when a unit ships — no overselling, no 'let me check the warehouse.'

One stock number, everywhere

OSS thresholds, IOSS for under-€150 imports, reverse charge for B2B EU — calculated at checkout, on the invoice and in the export. When ViDA's structured e-invoicing goes live in 2029, your invoices already match the schema.

VAT that's right by country, not by accident

Orders, inventory, picking, packing, invoicing, shipping labels, returns and accounting in one database. No CSV bridge between your shop platform and your warehouse system. No reconciliation at month-end.

One product, replaces eight tabs

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Polish national e-invoice system for retail

Real-time stock across warehouses & channels

EU-compliant e-invoices, auto VAT calculation

SAF-T VAT files and structured e-invoices

Online cash registers reporting to the CRK

Table-side ordering, split bills, card terminals

Create offers and compliant invoices, send them through KSeF, and track payment status — all from one screen. No separate invoicing tool, no manual status checks.

Sell and get paid

Scan receipts and invoices with automatic OCR, categorize expenses, and keep a simple ledger. VAT is detected and filled in for you.

Capture and account

Link your existing bank accounts via open banking, see balances across currencies, and make SEPA and international transfers without leaving Finowo.

Connect and move money

Set recurring invoices, payment reminders, and scheduled JPK_V7 exports. AI-powered invoice assistance and cash-flow monitoring arrive in early 2027.

Automate daily work

Invoices, offers, payments, and documents — connected and compliant. Free to start.

Run the financial side of your business in one place.

Create compliant invoices and offers, manage documents and payments, and keep your business finances connected — built for Poland.

One connected workspace.

Your business finances.

Link your Polish and EU bank accounts through open banking (PSD2). See balances and transactions in one view, no manual reconciliation.

Connect existing accounts

New business and personal accounts through a banking partner — with Polish IBAN, card issuance, and instant transfers.

Open a business or personal account

We ship in the open. Every quarter we add the modules Polish businesses ask for most — from open banking to AI-assisted bookkeeping — without breaking what already works.

Allegro, Amazon, Shopify, and eBay orders land together, stock updates in real time, and Polish VAT is calculated on each invoice.

Every sales channel feeds one inbox.

Each setup ships with its own modules. Pick the one that matches how you work.

Waiters take orders at the table, the kitchen sees tickets the moment they fire, and receipts close at the till.

The floor, the kitchen, and the till in one view.

What do you sell, and how?

Practical guides on e-invoicing, payments, fiscal compliance, and day-to-day operations for European restaurants and commerce businesses.

Insights — Finowo

Practical guides on e-invoicing, payments, fiscal compliance, and operations. Written from field experience, not marketing decks.

Insights

Card terminals, e-commerce platforms, accounting software — plug them in on day one. No dev work, no per-connector fees.

Finowo fits your stack.

Not the other way around.

Every receipt fiscally registered and reported to the CRK. One licence covers the whole venue.

Online cash register

JPK_V7 / KSeF

No more reconciling four dashboards on Sunday night.

Online cash registers and JPK_V7 included in every plan. No proprietary hardware to buy.

One tab.

Your floor, your kitchen,

your books.

Course-by-course service with split bills, allergen tracking, and automatic tip distribution.

Course firing

Split by seat

Allergen tracking

Tip pooling

Full-service restaurant

Fast tabs, pre-auth cards and a cash close that takes under two minutes.

Pre-auth tabs

Round buying

Age check

< 2 min cash close

Bar & nightlife

Quick orders, handheld POS and a VAT switch that handles takeaway vs dine-in automatically.

Handheld POS

One-tap modifiers

Dine-in / takeaway VAT

Loyalty stamps

Café & quick-service

One menu across all locations, with per-venue prices, stock and a single compliance export.

Central menu

Group export

Role-based access

Consolidated reporting

Multi-venue group

POS, KDS, floor plan, loyalty, rota and accounting in one database. No CSV exports at 2 a.m., no 'which system has the right number'.

One login, not eight

Online cash registers, e-receipts and JPK_V7 are built into the receipt engine. One toggle in Settings — no connector, no extra module, no extra invoice.

Compliant before you open tomorrow

iPad, Android tablet or laptop — Finowo runs on all of it. Bring your ESC/POS printer and cash drawer; we'll pair them in ten minutes.

Data Processing Agreement