Early access program for accounting firms

Documents, bank and settlements for your accounting software

Penso is a tool for accounting firms that works alongside your accounting software. It reads scans, pulls invoices from KSeF, posts bank statements and reconciles receivables and payables, and you export the finished entries to your own accounting system. Export works with RAKS SQL today; more programs are planned.

Join early access See features

Export to RAKS SQL · invoices from KSeF · AI proposes, you approve

Scan & PDF OCR KSeF invoice download MT940, CAMT.053, CSV statements Settlements & exchange-rate differences RAKS SQL export
Features

From document to export-ready entry

Features marked “Live” are available today. More are on the roadmap.

Scan and PDF reading

Live

Upload a PDF, scan or photo of an invoice, including in a ZIP archive. Penso extracts the data and prepares a draft entry for your review.

KSeF invoices

Live

Pull your client’s invoices from KSeF using their token and post them to the draft buffer, with the KSeF number attached to each entry.

Settlements and exchange-rate differences

Live

Match payments to invoices, monitor receivables and payables, and calculate exchange-rate differences at NBP rates.

Export to RAKS SQL

Live

Export the journal with postings, VAT registers, and receivables and payables. You see the export status on every entry.

Import from RAKS SQL

Live

Load the chart of accounts, counterparties, journal, receivables and payables, and opening balances so you work on the same accounts.

Counterparties from GUS, VIES and the VAT White List

Live

Pull company data from GUS and verify EU VAT numbers and bank accounts on the VAT White List (Biała Lista) without retyping.

Journal, chart of accounts and VAT registers

Live

Keep your books in double-entry form, with VAT registers and the source document linked to the posting.

AI assistant

Live

AI proposes journal entries and payment matches, and you approve every entry. You enable AI features separately for each company.

On the roadmap

Further integrations we are working on. We set the order together with the firms in the early access program.

Export to more programs

Planned

First in line: WAPRO Fakir, InsERT (EDI++ format), 360 Księgowość and Varico.

Universal CSV / JSON export

Planned

A documented format for journal entries, for programs that accept file-based import.

KSeF with certificate authentication

Planned

Today Penso connects to KSeF using a token. We will add certificate authentication in the next step.

Penso also includes full-accounting modules, such as fixed assets, cash, and the balance sheet and profit & loss statement. At its core are documents, bank, receivables and payables, and export.

What sets us apart

More than reading invoices

You keep your own software

Penso works alongside the system where you keep your books. Today we export to RAKS SQL; more programs are planned.

Real books under the hood

The output is not just invoice data but a debit/credit entry on your chart of accounts, with a VAT register entry and a receivable or payable.

Bank and settlements, not just invoices

You handle statements, payment matching and exchange-rate differences in the same place as your documents.

AI proposes, you approve

Every proposal lands in the draft buffer. No entry is posted without your decision.

Database and servers in Frankfurt

We store accounting data in the EU. Before text is sent to AI, we remove PESEL numbers (Polish national ID numbers), bank account numbers and email addresses from it.

Fast, keyboard-driven work

Ctrl K search and keyboard shortcuts cut the time spent on repetitive documents.

Export

Your accounting software stays. Penso delivers the entries to it

For RAKS SQL the full workflow works today: you import your chart of accounts and counterparties, work in Penso, and export the journal with postings, VAT registers, and receivables and payables back. We add further programs together with the firms in the early access program.

Ask about your software How it works
RAKS SQLLive · export and import
WAPRO FakirPlanned
InsERT (EDI++)Planned
360 KsięgowośćPlanned
VaricoPlanned
How it works

Three steps from document to your software

1

Load your chart of accounts and counterparties

Import the chart of accounts, counterparties, and receivables and payables from RAKS SQL so Penso posts to the same accounts.

2

Add documents and statements

Upload scans, pull invoices from KSeF and import statements. Penso prepares draft entries, and you review and approve them.

3

Export to your own software

Download the export file for RAKS SQL. In the Journal you can see which entries are new, verified and exported.

AI assistant · proposed by AI
Match payment WB 112/2026 to invoice FV/2026/09/014 — exchange-rate difference +18.40 PLN.

AI prepares a proposal — the entry reaches the books only after you approve it. Nothing is posted automatically.

Security and data

We’re upfront about where your data goes

We treat your clients’ financial data as our own. We publish the full list of providers, with the scope of data and location, in our subprocessor register.

The database and application servers run in the European Union (Frankfurt)
You enable AI features separately for each company you serve
We remove PESEL numbers (Polish national ID numbers), bank account numbers and email addresses from text sent to AI; scans for reading (OCR) are passed on in full
Every accounting entry requires user approval
Each company’s data is kept separate, and changes are recorded in a change history
KSeF tokens are stored in encrypted form
Who it’s for

For accounting firms that don’t want to switch software

Firms running RAKS SQL

The full workflow works today: import the chart of accounts, work in Penso, and export the journal back to RAKS SQL.

Firms on other software

Tell us which program you use — we set the order of further integrations according to firms’ demand.

Firms with many statements and settlements

If most of your time goes on banking, payment matching and foreign currencies, that is the part of the work Penso takes over first.

The whole app in four languages

Penso works in Polish, English, Russian and Ukrainian. Every user can switch language at any time, so the people in your firm work in the language they are most comfortable in.

Oskar Kashkash, founder of Penso
From the founder
Accounting firms don’t need yet another piece of accounting software — they’ve worked in their own for years and have no intention of switching. What they do need is to take the most tedious part of the job off their plate: documents, bank statements, and receivables and payables. That is why Penso doesn’t replace your software; it prepares finished entries for the system where you keep your books. Export works with RAKS SQL today, and we will choose the next programs together with the firms that try Penso on their own documents.
Oskar Kashkashfounder of Penso · Sellwell sp. z o.o.
Pricing

Pricing tailored to your firm

Let’s talk — we will prepare an offer tailored to the size of your firm and the number of documents you process.

Billing model

Billing is based on the number of documents processed, not on the number of seats: an invoice pulled from KSeF costs less than a scan that needs OCR.

Email kontakt@penso.pl with your accounting software and monthly number of documents — we will reply with an offer tailored to your firm.

FAQ

Frequently asked questions

Do I have to change my accounting software?

No. Penso works alongside your software. You process documents, statements, and receivables and payables in Penso, then export the finished entries to the system where you keep your books.

Which programs does Penso export to?

Today: RAKS SQL, with the journal, VAT registers and receivables and payables. From RAKS SQL you can also import the chart of accounts, counterparties, journal, and receivables and payables. Export to WAPRO Fakir, InsERT (EDI++), 360 Księgowość and Varico is in the works.

How does Penso work with KSeF?

Penso pulls the client’s invoices from KSeF using a token that the client shares with your firm, and prepares draft entries from them. You start synchronization with a button. KSeF certificate authentication is on the roadmap.

Does Penso submit tax returns and JPK files to the tax office?

No. Penso does not submit tax returns or JPK files. You file with the tax office from your own accounting software, the one you export entries to.

Where is my data stored?

The database and application servers run in the European Union (Frankfurt). AI features use external providers: Anthropic (USA) and Mistral AI (France). You can find the full list in the subprocessor register (PL).

Does AI post entries on its own?

Yes, AI prepares journal entries and payment matches and posts them to the draft buffer. You review and approve every entry, and nothing reaches the books or the export without your decision.

Which languages does Penso work in?

The whole application is available in Polish, English, Russian and Ukrainian. Every user can switch language at any time, independently of everyone else in the firm.

How much does Penso cost?

We agree terms individually with each firm, and billing is based on the number of documents processed. Email kontakt@penso.pl and we will prepare an offer.

Early access

Join Penso early access

We invite accounting firms that want to try Penso on their own documents. Leave your email address and we will get back to you with access and details.

  • A say in the order of supported programs
  • Individual terms during early access
  • Support with RAKS SQL import and export

No spam. You can also email us directly at kontakt@penso.pl.