AgentI is not accounting software. It is a virtual employee — an AI agent that archives your documents, reads your invoices, books your entries, handles VAT, prepares your P&L and Balance Sheet, and manages your vendor master data. Automatically. Every month.
Other accounting solutions are tools — you still need to operate them. AgentI is an agent that operates itself. Here is what that means in practice for a Swiss SME.
| Feature / Criteria | Banana Accounting+ | bexio Advanced + AI | Odoo Standard + OCR | Topal Solutions rental · list price |
✦ AgentI by TheTaxNexus | ||
|---|---|---|---|---|---|---|---|
| Starter 250 AP invoices/yr CHF 93 / month |
Growth 350 AP invoices/yr CHF 124 / month |
Pro 600 AP invoices/yr CHF 143 / month |
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| Pricing | |||||||
| Monthly cost (AI included) | CHF 30 2 licences · no AI |
CHF 91 CHF 52 base + CHF 39 Kontera · 2 users |
~CHF 70 2 users + ~CHF 10 OCR credits est. |
~CHF 179 Fibu + AP + AR + Scan · 2 users · desktop · no payroll |
CHF 93 | CHF 124 | CHF 143 |
| Annual cost (AI included) | ~CHF 358 2 users × CHF 179 · no AI |
~CHF 1,092 2 users · Kontera Silver included |
~CHF 840 2 users · OCR credits included |
~CHF 2,148 12-month minimum · hosting & support extra |
CHF 1,116 unlimited users incl. expense & accounting |
CHF 1,488 unlimited users incl. expense & accounting |
CHF 1,716 unlimited users incl. expense & accounting |
| AI add-on cost | Not available | CHF 39/mo Kontera Silver · already in totals above |
~CHF 0.20–0.40/doc Odoo IAP credits · pay per scan · est. ~CHF 10/mo included above |
CHF 59/mo Topal Scan (OCR) · included above |
✓ Included | ✓ Included | ✓ Included |
| AP invoice limit (AI extraction) | ✗ Manual only | 100/month · then +CHF 0.50 each | Credits · pay per scan | Scan + manual check | 250 / year | 350 / year | 600 / year |
| AR invoice limit | N/A — manual | N/A — manual | Unlimited | Unlimited | ✓ Unlimited | ✓ Unlimited | ✓ Unlimited |
| Users included | 1 per licence | 2 (Advanced plan) | Per user — pay extra | 2 +CHF 33 per user / month |
Unlimited accounting & expense users |
Unlimited accounting & expense users |
Unlimited accounting & expense users |
| Setup fees | Annual licence fee | None | None | Via reseller | None | None | None |
| AI & Automation | |||||||
| AI invoice extraction | ✗ 100% manual | ⚠ 100/month then +CHF 0.50 | ⚠ IAP credits pay-per-scan | ⚠ OCR scan (CHF 59/mo) | ✓ 250 AP/yr AR: unlimited |
✓ 350 AP/yr AR: unlimited |
✓ 600 AP/yr AR: unlimited |
| Automatic journal booking | ✗ Manual only | ⚠ Partial assist | ⚠ Partial assist | ⚠ Partial (scan → AP) | ✓ Fully automatic | ✓ Fully automatic | ✓ Fully automatic |
| Automatic VAT booking | ✗ Manual | ⚠ Manual selection | ⚠ Manual selection | ⚠ Manual selection | ✓ AI per line | ✓ AI per line | ✓ AI per line |
| Vendor master data — auto-created | ✗ | ⚠ Basic import | ⚠ Basic import | ⚠ From scan | ✓ From invoice | ✓ From invoice | ✓ From invoice |
| Reports & Compliance | |||||||
| P&L report (auto-generated) | ⚠ Manual ledger | ✓ | ✓ | ✓ | ✓ Real-time | ✓ Real-time | ✓ Real-time |
| Balance Sheet (auto-generated) | ⚠ Manual | ✓ | ✓ | ✓ | ✓ Real-time | ✓ Real-time | ✓ Real-time |
| VAT report ready to submit | ⚠ Manual compilation | ✓ | ✓ | ✓ | ✓ MWST + EU | ✓ MWST + EU | ✓ MWST + EU |
| Swiss QR-Bill generation | ✗ | ✓ | ⚠ Module needed | ✓ | ✓ Included | ✓ Included | ✓ Included |
| Modules & Scope | |||||||
| Travel expense management | ✗ | ⚠ Basic | ⚠ Add-on cost | ✗ | ✓ Included | ✓ Included | ✓ Included |
| Association membership (Vereine) | ✗ | ✗ | ✗ | ✗ | ✓ Purpose-built | ✓ Purpose-built | ✓ Purpose-built |
| Bank statement reconciliation | ⚠ Manual import | ✓ 40+ Swiss banks | ✓ | ✓ e-banking files | ✓ CSV/EBICS | ✓ CSV/EBICS | ✓ CSV/EBICS |
| Mobile expense capture | ✗ | ✓ | ✓ | ⚠ Topal App | ✓ Biometric auth | ✓ Biometric auth | ✓ Biometric auth |
| Swiss payroll with ELM declaration | ✗ | ⚠ Add-on | ⚠ Add-on cost | ✗ No payroll | ✓ Add-on CHF 30/mo | ✓ Add-on CHF 30/mo | ✓ Add-on CHF 30/mo |
| Direct bank payments (EBICS / pain.001) | ✗ | ✓ | ⚠ Add-on | ✓ pain.001 | ✓ Included | ✓ Included | ✓ Included |
| Infrastructure & Security | |||||||
| Fully cloud-hosted (zero setup) | ✗ Local desktop | ✓ | ✓ | ⚠ WebSolution +CHF 100/mo | ✓ | ✓ | ✓ |
| Swiss data residency | Local hardware only | ✓ | ⚠ EU servers | ⚠ Depends on hosting partner | ✓ Switzerland | ✓ Switzerland | ✓ Switzerland |
| Two-factor authentication (2FA) | ✗ | ✓ | ✓ | ⚠ Depends on hosting | ✓ Email OTP | ✓ Email OTP | ✓ Email OTP |
| Per-tenant file encryption | Local OS only | ✓ | ⚠ | ⚠ Depends on hosting | ✓ AES-128-CBC | ✓ AES-128-CBC | ✓ AES-128-CBC |
| Time-limited auditor access | ✗ | ✗ | ✗ | ✗ | ✓ Scoped & expiring | ✓ Scoped & expiring | ✓ Scoped & expiring |
| Business functions — added in the last 4 months | |||||||
| Quotations with versions & approval | ⚠ Estimates app | ✓ | ✓ Sales app | ✗ No order module | ✓ Versions + approver | ✓ Versions + approver | ✓ Versions + approver |
| Billable hours → invoice | ✗ | ✓ Time tracking | ✓ Timesheets app | ✗ | ✓ Included | ✓ Included | ✓ Included |
| Customer invoicing with QR-bill (EN/FR/DE) | ⚠ Estimates app | ✓ | ✓ | ✓ Debitoren | ✓ Included | ✓ Included | ✓ Included |
| Split / instalment invoicing from a quotation | ✗ | ⚠ Manual | ✓ Down payments | ✗ | ✓ % split + dates | ✓ % split + dates | ✓ % split + dates |
| Auto-scheduled invoice sending | ✗ | ⚠ Recurring invoices | ⚠ Subscriptions app | ✗ | ✓ Invoicing calendar | ✓ Invoicing calendar | ✓ Invoicing calendar |
| Due dates from payment terms (customer / company default) | ⚠ Manual | ✓ | ✓ | ✓ | ✓ On every invoice | ✓ On every invoice | ✓ On every invoice |
| Automatic dunning (levels, fees, interest, QR-bill) | ✗ | ⚠ Reminders | ✓ Follow-up levels | ⚠ Dunning proposal | ✓ Auto or approval, per customer | ✓ Auto or approval, per customer | ✓ Auto or approval, per customer |
| Dunning control panel (calendar, drag & drop, print by post) | ✗ | ✗ | ⚠ Follow-up report | ✗ | ✓ Included | ✓ Included | ✓ Included |
| Payroll with automatic accrual of social charges (AHV/ALV, BVG, UVG, KTG) | ✗ | ⚠ Add-on | ✓ Swissdec | ✗ | ✓ Payroll add-on CHF 30/mo · booked automatically |
✓ Payroll add-on CHF 30/mo · booked automatically |
✓ Payroll add-on CHF 30/mo · booked automatically |
| Salary certificate (Lohnausweis) & scheduled payslips | ✗ | ⚠ Add-on | ✓ | ✗ | ✓ Payroll add-on | ✓ Payroll add-on | ✓ Payroll add-on |
| Down payments to suppliers (offer → final invoice) | ⚠ Manual | ⚠ Manual | ⚠ Manual | ⚠ Manual | ✓ Linked automatically | ✓ Linked automatically | ✓ Linked automatically |
| Statutory documents drafted from the books (annual accounts, notes, AGM) | ⚠ Statements only | ⚠ Statements only | ⚠ Statements only | ⚠ Statements only | ✓ Drafted from the books | ✓ Drafted from the books | ✓ Drafted from the books |
| Address validation (Google) & commercial register (Zefix) lookup | ✗ | ⚠ Partial | ✗ | ✗ | ✓ Every address field | ✓ Every address field | ✓ Every address field |
| AI super-agents — 2 levels | |||||||
| a) AVATAR — AI accountant with your rulebook (reviews the books, proposes bookings on approval cards; replaces ~60% of an accountant's work) | ✗ | ✗ | ✗ | ✗ | ✓ CHF 2,000 / year add-on · no one else has it |
✓ CHF 2,000 / year add-on · no one else has it |
✓ CHF 2,000 / year add-on · no one else has it |
| b) Full MCP access — your own AI agents operate the books (70+ tools) | ✗ | ⚠ REST API only | ⚠ API / community connectors | ⚠ API only | ✓ Included | ✓ Included | ✓ Included |
| The Big Difference | |||||||
| Requires trained operator to enter data | Yes — all manual | Mostly yes | Mostly yes | Yes — all manual | No — AI does it | No — AI does it | No — AI does it |
| Acts as a virtual accounting employee | ✗ | ✗ | ✗ | ✗ | ✓ This is AgentI. | ✓ This is AgentI. | ✓ This is AgentI. |
No competitor offers the depth of accounting intelligence that AgentI embeds by default. These are not add-ons or premium modules — they are woven into the platform and run automatically.
Forward any payable, receivable, bank statement, or contract to your AgentI AI Accountant by email. The AI extracts, classifies, and books the document automatically — then replies to confirm what was recorded. No login required. FINCARGO uses this workflow exclusively — nobody logs into the portal anymore.
AgentI calculates all Swiss statutory deductions — AHV/IV/EO, ALV, BVG, UVG (NBU), KTG, and source tax per canton. Payslips are generated and emailed to each employee automatically. The payroll journal entry is booked and salary tax provisioned. Tested live with real employees.
AgentI generates ISO 20022 pain.001 payment files from your open payables, travel expense reimbursements, and payroll runs — and submits them directly to your bank via the EBICS protocol. The first live payment was transmitted and confirmed. No re-keying. One click from the portal to the bank.
AgentI generates the ELM 5.0 XML file required for salary reporting across all Swiss cantons. Each employee's gross salary, deductions, and source tax are structured to cantonal requirements. Download and transmit directly to the relevant government agencies — no manual preparation needed.
Each bank account is mapped directly inside the Chart of Accounts. Every transaction is posted to the correct ledger account automatically — no manual account coding, no mapping tables to maintain.
Before any payable is booked, AgentI scans for duplicates — same supplier, same amount, overlapping date range. Duplicate invoices are flagged immediately, preventing double payments and double entries.
At year-end, AgentI verifies that every bank account balance in the ledger matches the closing balance on the uploaded bank statement. Discrepancies are surfaced before they become audit findings.
AgentI tracks open payables and receivables across periods and compares them against prior balances. Unexplained movements — invoices that disappeared, amounts that shifted — are immediately visible.
AgentI recognises multi-currency bank accounts from uploaded statements, automatically applies the correct exchange rate per transaction, and books FX gains and losses to the appropriate ledger accounts.
Bank statement lines are automatically matched against open payables and receivables. Payments clear the corresponding invoice, update the ledger, and flag any unmatched line — all without manual intervention.
Recurring contracts flow automatically into periodic invoices, which flow into journal entries, which update P&L — end to end, without a single manual step. Set the contract once; AgentI handles every cycle.
From your phone: capture travel expenses, upload payables and receivables, photograph bank statements, and archive any document. AI recognition runs on every upload — same engine, same accuracy, same instant booking as the desktop.
Grant your external auditor or fiduciary read-only access to a defined scope of data — specific periods, specific document folders — with a built-in expiry date. Access is automatically revoked when the window closes.
The next milestone: AgentI will connect to the bank via EBICS each morning, fetch the previous day's transactions, and reconcile them automatically against open payables and receivables. Companies will have a daily close-of-books — zero backlog, zero manual import.
AgentI is not one AI — it is a team of six specialised agents, each owning a distinct part of the accounting workflow. Documents flow in, agents process them autonomously, results flow out to your ledger, bank, and government authorities.
Handles all inbound and outbound communication with users. Receives documents forwarded by email, triggers the processing pipeline, and sends back confirmations, payslips, booking summaries, and alerts. Users interact naturally — by email or mobile — without ever logging in.
The accounting brain of AgentI. Reads extracted invoice and bank data, assigns the correct debit and credit accounts from the Chart of Accounts, applies VAT codes per line, and posts journal entries automatically. Supports multi-currency with real-time FX conversion and FX gain/loss booking.
Manages the full accounts payable workflow — duplicate detection, payment scheduling, and PAIN.001 XML generation for direct bank submission via EBICS. Runs Swiss payroll end-to-end: deductions (AHV, ALV, BVG, UVG, KTG, source tax), payslip email, financial booking, and ELM 5.0 XML for all cantonal authorities.
Processes uploaded or EBICS-fetched bank statements and reconciles each transaction line against open payables and receivables. Clears matched invoices automatically, books unreconciled lines to suspense, and flags anomalies for review. Daily reconciliation via EBICS is the next milestone, giving companies a live close-of-books every morning.
Handles all structured data exchange — exporting P&L, Balance Sheet, VAT reports, journal exports, and Excel ledgers; generating QR-Bill invoices for receivables; importing Chart of Accounts, historical data, and COA mappings. Also manages ELM XML generation for government salary declaration submissions across all cantons.
Watches every booking for risk signals. Runs duplicate AP invoice detection before each posting. Verifies bank balances against uploaded statements at year-end. Tracks open AP/AR movement between periods and surfaces unexplained changes. Manages time-limited, scoped auditor access with automatic expiry — no permanent credentials, no residual risk.
No per-user fees. No AI add-ons. No hidden costs. Every plan includes all features (payroll as an add-on, CHF 30/month), unlimited AR invoices, unlimited travel expense users, and up to 6 company users. Choose by your AP invoice volume.
Per company · Cancel anytime · No setup fees
Start with Starter →Per company · Cancel anytime · No setup fees
Start with Growth →Per company · Cancel anytime · No setup fees
Start with Pro →No one else has it. AVATAR works from your rulebook: it reviews the books every day, proposes bookings on approval cards, answers in the chat and keeps the company's journal of decisions — it takes over about 60% of the work of an accountant. Together with full MCP access (included in every plan) your own AI agents can operate the books too.
Add AVATAR →AgentI is designed for organisations that want accounting to simply happen — without hiring a full-time bookkeeper, mastering complex software or managing servers.
Small and medium-sized companies with regular payables, receivables and employee expenses who want a complete accounting record without the overhead of a traditional ERP.
Swiss non-profits and associations (Vereine) managing member rosters, annual fee invoicing and donation bookings — all in one portal, without separate membership software.
Excellent for accountants who know exactly what they are doing. Lowest cost of ownership in the market — but 100% manual. Every line must be typed. There is no AI, no cloud sync, no collaboration. For a growing SME, the time cost far outweighs the CHF 15/month licence.
The Swiss gold standard for bank integration and QR-billing. But AI scanning costs extra: CHF 39/month for the Kontera Silver add-on — and it's capped at 100 documents/month. Exceed the cap and you pay CHF 0.50 per invoice. Total cost for 2 users with AI: CHF 91/month. Beyond that, bexio is software, not an agent: you still do the accounting work.
A powerful full ERP — ideal if you need CRM, inventory and website management alongside accounting. But for an SME that just needs accounting done, Odoo is vastly over-engineered. AI scanning runs on a paid token model — every document has a marginal cost. Implementation takes weeks.
From CHF 93/month. Everything included. No software to install. Most companies are live within 48 hours of signing up.
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