Check your card fees, control your costs, close the month. In minutes.
PIX works with the data from your card terminal and payment provider, shows what every payment cost you and prepares what your accountant needs each month.
Check last month’s card fees. Free, no sign-up.
Add the export from your card terminal or payment provider. You see your card and Bizum payments and what they cost in fees, by store, and, for a business in Spain, what your bank reports to Hacienda.
Your file is read once to make this report and then deleted. We keep nothing unless you ask us to.
| Card payments | 1,204 | €38,412.60 |
| Mobile payments (Bizum) | 96 | €1,980.00 |
| Fees | 0.35% | €141.20 |
1 in 8 payments cost about 3× the fee rate of the others.
Connect your payment data
Upload your provider's export, or send it through the PIX API, by scheduled SFTP delivery or a direct connection.
- 1
Your provider's export
Every payment, exactly as your provider lists it.
- 2
PIX checks every payment
It works out the fee on each payment, assigns it to a store and estimates the VAT.
- 3
Ready for your accountant
VAT estimated at your rate, every fee listed, in the export your accountant already uses.
- File upload
- APIEarly access
- SFTPEarly access
- Direct connectionsEarly access
The file, the row and the package above are example data.
- Card fees
The fee on every payment, by card type and store. 0.90 % on this one
- Lower costs
What costs too much, and a letter for your bank. €42 / month over standard
- All costs
Rent, staff, suppliers and fees in one list. Early access
- Store margins
Sales against costs, for every store. Playa 6.3 %
- Daily cash close
Till, cash drawer and payment provider, every evening once your provider is connected. Early access
- Month-end close
VAT estimated at your rate, every fee listed, ready to export. 21 % · estimated
- VeriFactu consistency report
Every card payment checked against your registered sales. Find the gaps before Hacienda does. Early access
- Bank reconciliation
Every deposit in your bank account matched to your payouts and the sales of each store. Early access
- Accountant package
One file with everything your accountant asks for.
- Accountant access
Your accountant gets their own login. Early access
- Chargebacks
When your provider is connected: every deadline, with a draft reply. 4 days left Early access
- Chargebacks from your bank
Chargebacks your bank reports for your card terminal, with their deadline and a draft reply. Early access
- Assistant
Questions about your business, answered from your data. “How much did I pay in fees?”
Figures in this type are example data.
Find what to change, with the numbers.
PIX shows which payments cost more than your standard rate and how much more, then prepares a letter with the evidence for your bank.
31 payments were made with business cards or cards from outside the EU. They cost 0.90 % instead of your standard 0.30 %.
The margin of every store, side by side.
Sales for each store come from your payment data. Enter rent, staff and other costs once, and PIX works out the margin of every store.
| Store | Sales | Costs | Profit | Margin |
|---|---|---|---|---|
| Centro | €18,420 | €11,980 | €6,440 | 35.0% |
| Norte | €14,310 | €10,120 | €4,190 | 29.3% |
| Estación | €11,260 | €8,870 | €2,390 | 21.2% |
| Playa | €8,150 | €7,640 | €510 | 6.3% |
Rent and staff take 93.7 % of this store's sales. Sales come from your payment data; you enter the costs once.
The month closed, ready for your accountant.
Every payment included, VAT estimated at your rate and every card fee listed, in the format your accountant already uses.
| VAT | Net | VAT | Gross |
|---|---|---|---|
| 21 % (estimated) | 43,090.25 | 9,049.95 | 52,140.20 |
VAT is estimated at your rate: card terminal statements don't show the VAT on each sale.
PIX does not issue invoices or file anything with the tax office.
Your bank statement, matched to your sales.
PIX reads your bank statement and matches every deposit to the payout from your payment provider and to the sales of each store. Anything missing or short is flagged, with the amount.
- Every deposit matched to a payout and a store
- Missing and short payouts flagged
- Read-only access through a licensed EU provider
| Date | Store | In your bank | Expected | |
|---|---|---|---|---|
| 02/09 | Centro | 1,248.30 | 1,248.30 | Matched |
| 05/09 | Norte | 986.15 | 986.15 | Matched |
| 09/09 | Playa | 612.40 -€34.90 | 647.30 | Short |
| 12/09 | Estación | · | 1,386.20 | Missing |
The payout for Estación on 12 September has not reached your bank. PIX shows which payments it belongs to.
Every deadline, with a draft reply.
When your provider is connected (early access), PIX takes the deadline and drafts the reply. You check it and send it.
The customer paid in person with their card. The terminal receipt and two earlier purchases with the same card are attached…
PIX drafts it. You send it.
Ask about your business.
Ask in your own language. Answers come from your own data, and PIX calculates every figure in them.
They were business cards and cards from outside the EU. On €7,000.00 they cost €63.00, which is €42.00 more than your standard rate of 0.30 %.
Every figure in an answer is calculated from your own data.
Everything your accountant needs, every month.
PIX prepares the monthly package with estimated VAT, card fees and every payment, in the export your accountant already works with.
- ✓Monthly package with estimated VAT and card fees
- ✓Exports for DATEV and SII
- Bank statement matched to your salesEarly access
- Own login for accountants, with all their clientsEarly access
Your data is safe with us.
- Your data is stored in Frankfurt.AI features are processed by our AI provider under a data processing agreement.
- Handled under the GDPR
- PIX only reads your data and never moves money
- PIX never sees or stores your bank login
You keep your card terminal, your payment provider and your bank.
No new hardware and no migration.
Frequently asked questions
Do I need to change my card terminal?
No. PIX works with the data your terminal and payment provider already produce.
Can PIX move money?
No. PIX only reads data. It cannot charge, refund or transfer.
Where is my data stored?
Your data is stored in Frankfurt. AI features are processed by our AI provider under a data processing agreement.
How does PIX get my payment data?
Upload the export from your payment provider, or send it through the PIX API, by scheduled SFTP delivery or a direct connection to your provider and bank. The API, SFTP and direct connections are in early access. Whichever way it arrives, PIX only reads it.
How will PIX read my bank statement?
Through a licensed provider under the EU rules for open banking. You sign in to your bank on the provider's page, and PIX receives read-only access to your statements. PIX never sees your login. Bank reconciliation is in early access.
Does my accountant need an account?
Your accountant receives the monthly package. Their own login is in early access.
Does PIX make me VeriFactu-compliant?
No. Your till or invoicing software does that. PIX works alongside it: its VeriFactu consistency report Early access checks your card payments against the sales you register, so you can find the gaps before Hacienda does.
See PIX at work.
Book a demo and we'll show you what PIX finds in real payment data.