QR invoice (Swiss QR-Bill)
Swiss QR payment slip per SIX standard – with IBAN, QR reference and amount right on every invoice.
Feature set
Everything Saldio can do today.
From the quote to the VAT return – one continuous process instead of scattered tools. Here is the complete feature set, grouped by area.
Sales
Sales & invoicing
Quotes, orders, delivery notes and QR invoices – the entire document flow up to delivery.
Email delivery with PDF
Send invoices, quotes and delivery notes via SMTP – including the QR-PDF and ZUGFeRD attachment.
Quotes & offers
Create quotes, send them as PDF and convert them into an order or invoice in one click.
Orders
Run confirmed quotes as orders – fully traceable from offer to invoice.
Delivery notes
Document deliveries and attach them as PDF – with or without prices, depending on the recipient.
Credit notes
Reverse or credit invoices correctly – cleanly booked and linked in the document history.
Document chain
Quote, order, delivery note and invoice stay linked – every step is traceable.
Payment terms
Define payment terms and discounts – Saldio calculates the due date automatically.
Dunning workflow
Three-level reminders with fees, individually or as a bulk run – sent by PDF and email.
Foreign currencies
Invoice in EUR, USD and other currencies – with daily rate and CHF equivalent for the books.
Banking
Banking & payments
Import bank statements, match payments automatically and keep open items in view.
CAMT bank import
Import CAMT.053 and CAMT.054, auto-match payments and trace every booking in the audit trail.
CSV bank import
Import bank movements as CSV when no CAMT export is available – duplicates are detected.
Automatic payment matching
QR and SCOR references match payments to the right invoice automatically.
Payments & partial payments
Record incoming payments, book partial payments and see the open balance at any time.
Payment methods
Bank transfer, card or cash – record the payment method cleanly per document.
Purchasing
Purchasing & expenses
Capture supplier invoices, track expenses per vendor and book them cleanly.
Supplier invoices & expenses
Capture supplier invoices, track expenses per vendor and release them for clean payments.
Supplier credit notes
Book vendor refunds and corrections cleanly against the right accounts.
Read e-invoices (Factur-X)
Read incoming Factur-X / ZUGFeRD invoices automatically and pre-fill the fields.
Recurring expenses
Set up rent, insurance and subscriptions once – Saldio records them on schedule automatically.
Accounting
Accounting
Double-entry bookkeeping per Swiss SME practice – chart of accounts, journal and periods included.
Double-entry bookkeeping
Every document is booked correctly in debit and credit – per Swiss SME practice.
Chart of accounts (Swiss SME)
Swiss SME standard chart of accounts as a base – customisable and reportable per account.
Journal entries
Record manual debit and credit entries – for closings and corrections.
Periods & fiscal year
Manage and close fiscal years and booking periods – with controlled back-dated entries.
Reversals & counter-entries
Reverse incorrect entries cleanly – with automatic counter-postings.
Transactions & cash
Record income and expenses with VAT rate and category – cash included.
VAT
VAT & e-invoicing
Calculate VAT automatically, file ESTV-compliant and send standards-based e-invoices.
Automatic VAT
Effective or net tax rate, quarterly or biannual – Saldio prepares form 100 for the ESTV.
eVAT export (eCH-0217)
Export VAT periods as eCH-0217 XML and submit them directly in the ESTV SuisseTax portal.
Factur-X / ZUGFeRD 2.3
EN 16931 e-invoice as PDF/A-3 with embedded XML – enabled per tenant.
Reports
Reports & analytics
Balance sheet, income statement and key figures – always current and print-ready.
Balance sheet
Assets, liabilities and equity at a given date – print-ready.
Income statement
Revenue, expenses and result per period – at a glance.
Trial balance
All accounts with their current balance – the basis for every closing.
Cash flow statement
Inflows and outflows shown transparently – where the money comes from and where it goes.
Year-end close
Balance sheet and income statement per Swiss SME practice – print-ready, with the three-account model.
KPIs & dashboard
Revenue, margin and liquidity as key figures – live on the dashboard.
Projects
Projects & time
Track time on projects, follow margins and turn them into invoices in one click.
Projects
Run client projects, set budgets and track costs against revenue.
Time tracking
Capture working time per project and employee – the basis for accurate billing.
Billing wizard
Turn tracked hours into an invoice with a wizard – no manual transfer.
Project financials
Costs, revenue and margin per project in real time – nothing slips.
Employee management
Register employees, keep billing rate and wage cost cleanly separated – directly linked to projects and time tracking.
Master data
Master data
Maintain contacts, products and documents centrally – with import and export.
Contacts
Maintain customers and suppliers with addresses, terms and communication history in one place.
Contact import & export
Import and export address data via CSV – with validation on import.
Products & services
A catalogue with prices, units and tax rates – importable and exportable via CSV.
Receipts & documents
Upload receipts and documents, link them to transactions and store them securely.
Platform
Administration, security & platform
Tenants, roles and access cleanly separated – securely operated and hosted in Switzerland.
Multiple tenants
One login for any number of companies – each with its own role and cleanly separated data. Ideal for fiduciaries.
Roles & permissions
Owner, admin, fiduciary and user – plus granular permissions per module.
User management
Invite staff by email, assign roles and adjust access at any time.
Audit log
Every security-relevant change is logged – traceable and audit-proof.
Login with MFA & passkey
Sign in via AWS Cognito with TOTP and passkey – tokens stay safe on the server.
Email profiles & templates
Per-tenant sending profiles and templates for invoices, reminders and invitations.
Public API & tokens
Connect documents, contacts and products via a REST API – with your own revocable tokens.
Installable app (PWA)
Saldio runs in the browser and installs as an app on desktop and mobile.
Multilingual (DE/EN/FR/IT)
The interface speaks German, English, French and Italian.
Light & dark mode
Light or dark mode and personal preferences – saved per user.
Swiss hosting & data sovereignty
Built in Switzerland, hosted in Switzerland – your data stays in the country.
Error tracking
Client errors are captured anonymously – so issues surface before you have to report them.
Backup & restore
Back up all data and documents as a ZIP and restore them completely.
Coming soon
What is next.
What pilot customers get next – tracked live in the open repository.
Planned
AI receipt import
Snap or upload a receipt – the AI reads amounts, VAT and vendor and pre-fills the entry.
Planned
AI assistant in Saldio
Context-aware support right in your workflow – with suggestions and explanations as you work.
Planned
AI chat & inline help
Ask in chat how something works – step-by-step help while creating documents and entries.
Get started
Interested?
Register today and set up your accounting in minutes. No sales call, no risk.
Still have questions? We are here to help: support@saldio.ch