The five people open Nonari for.
Accounting core
A real double-entry ledger underneath everything. Multi-currency, multi-branch, audit-trailed. No "lite version" tax. The same ledger drives the POS, the inventory, the AI, and the reports.
Double-entry ledger
Every transaction posts to two accounts. The trial balance reconciles to the penny — or the system refuses the post.
Multi-currency
PKR, USD, GBP, EUR, AED, SAR, CAD, AUD. Exchange rates per transaction. Realised + unrealised FX gain/loss.
Chart of accounts
Customisable per org. Includes regional default templates (e.g. FBR sales tax / WHT for Pakistan) pre-mapped where applicable.
Audit log
Every JE write captured with actor, timestamp, before/after diff. Immutable. Even admins cannot edit history.
Period close & lock
Lock past months so back-dated entries do not silently shift posted reports. Soft-lock for review, hard-lock for filing.
Fixed & intangible assets
Asset register with depreciation schedules (straight-line, reducing-balance). Auto-generates monthly journal entries.
Amortization schedules
Prepaid expenses and deferred revenue auto-amortise across periods. Schedule-driven, GL-posted.
Capital + special accounts
Shareholder loans, drawings, owner's equity tracked separately so personal money stays out of operating P&L.
Sales & receivables
Invoicing fast enough for a busy retail counter, structured enough for an enterprise sales cycle. AR aging, dunning, late fees, customer portals, statements — all one ledger.
Invoices
PDF + on-screen + WhatsApp + email delivery. Custom titles, footers, branding per org. Decimal-precise tax math.
Recurring invoices
Subscription billing. Define template + schedule, system generates invoices automatically with email + WhatsApp delivery.
Quotes & sales orders
Quote → SO → invoice pipeline. SO holds inventory, invoice posts to AR + GL. Same workflow for B2B and counter sales.
Credit & debit notes
Reference the original invoice. Auto-restock inventory on returns. Adjust AR with full audit trail back to the source.
AR aging + dunning
Real-time aging buckets (0-30, 31-60, 61-90, 90+). Auto-send reminders at configurable intervals via email or WhatsApp.
Late fees automation
Configurable per-customer late fee schedule. System generates the late fee invoice, posts to AR, sends the notice.
Customer portal
Token-authenticated public link. Customer sees their statement, downloads invoices, pays online — no login required.
Customer statements
Monthly or on-demand statements. PDF + portal access. Shows balance, recent invoices, payments, credit notes.
Purchasing & payables
Bills, purchase orders, vendor portals, withholding tax. Built so an SMB AP clerk closes the month without a spreadsheet.
Bills
AP-side invoices. Match to PO, schedule for payment, post to AP + GL. Supports multi-currency and FX.
Purchase orders
PO → goods receipt → bill matching. Three-way match flags discrepancies before payment.
Goods receipts
Receive against a PO with quantity and quality checks. Auto-updates inventory at receipt cost (landed cost on imports).
Recurring bills
Rent, utilities, subscriptions — set the template and schedule, system generates bills monthly.
Supplier portal
Token-authenticated link. Supplier sees their bills, banking details, payment status. Reduces "where is my payment" emails.
Withholding tax
Auto-calculate withholding per supplier/category. Generate receipts. Regional defaults; configurable rates per jurisdiction.
Expense claims
Employee expense submission with receipt OCR. Approval workflow. Posts to expense GL on approval.
Petty cash management
Per-branch petty cash floats. Replenishment workflow. Reconcile against till at end of shift.
Point of sale & multi-branch
Run a counter at the same time you run the books. Multi-cashier, multi-counter, multi-branch — all hitting one consolidated ledger with per-branch P&L.
Multi-branch POS
Run any number of branches. Each can have its own cashier roster, till, pricing, and tax registration.
Cashier shifts
Open shift → ring sales → close shift with drawer reconciliation. Over/short auto-posts to a clearing account.
Multi-branch consolidation
Per-branch P&L + balance sheet. Consolidated view across all branches. Drill from consolidated → branch → transaction.
Branch transfers
Move stock between branches with in-transit GL account. SOURCE_FIFO costing — oldest cost layer leaves first.
Mixed-tender payments
Split a single sale across cash + card + mobile wallet + store credit. Each leg posts to its own GL.
Thermal & A4 receipts
80mm thermal printer support out of the box. A4 PDF for B2B receipts. Logo, footer, terms all configurable.
Per-branch pricing
Same product can have different prices per branch. Useful for outlet stores, premium locations, or regional pricing.
Permissions matrix
Per-user, per-branch, per-feature permissions. Cashiers see only their till; managers see branch P&L; owners see all.
Inventory & manufacturing
Real inventory accounting — not just "products with quantities." Per-branch costing, FIFO + WAC, BOM, manufacturing orders, expiry tracking. The parts most accounting software fakes.
Per-branch inventory
Quantity and weighted-average cost held per branch, not per org. Each branch closes on its own COGS.
FIFO + WAC costing
Cost layers tracked per receipt. FIFO for transfers, WAC for the period-end inventory value reported on the BS.
Bill of materials
Define multi-level BOMs. Manufacturing order consumes components and produces finished goods at calculated cost.
Manufacturing orders
Issue a manufacturing order with planned quantities. Track WIP. Close out variance to a variance account.
Expiry tracking
Track expiry dates per batch. Pick FEFO for pharmacy and FMCG. Alerts before expiry.
Serialised inventory
Track individual units by serial number — phones, vehicles, electronics. Full provenance from receipt to sale.
Reorder points
Per-product, per-branch reorder level. Low-stock dashboard. Optional auto-PO generation when crossed.
Stock counts & adjustments
Cycle counts and full physical counts. Variance posts to inventory adjustment GL with full audit trail.
Inventory writeoffs
Damaged, expired, or lost stock. Posts to writeoff expense. Captures reason, photo, approver.
Banking & cash
Bank reconciliation that actually reconciles. Auto-match rules, multi-currency accounts, cash transfers between branches, petty cash floats.
Bank reconciliation
Import statement (CSV/OFX), system suggests matches against your transactions, you approve. Drift = clearly visible.
Auto-match rules
Define rules ("vendor description contains X → expense category Y"). System pre-codes future transactions.
Multi-currency bank accounts
Hold accounts in any base currency. FX revaluation at period-end posts unrealised gain/loss.
Cash transfers
Move cash between branches with full provenance. Receiving branch confirms; auditable both sides.
Bank rules engine
Beyond simple matches — conditional rules ("if amount > X AND description = Y → split between two accounts").
Shopify Payouts auto-recon
Every Shopify Payments payout matches to its underlying orders + fees + refunds. JE auto-posts. Drift = zero.
AI & automation
The CFO-AI surface. Not "we sprinkled GPT on a form." Forward documents and we draft journal entries. Ask the ledger questions in plain English. Anomalies that flag themselves.
AI auto-coding
Bank lines auto-classify against your chart of accounts. Receipt photos extract vendor, date, amount, tax.
Email forwarding
Forward any vendor invoice to your unique Nonari email. The AI drafts the bill in seconds — vendor, GL, amount, tax.
Natural-language queries
Ask "what was my profit last month" or "which customer owes the most." Get answers with drill-down to source.
Anomaly detection
Flags unusual transactions: payment 10× the customer's usual, supplier bill missing its PO, duplicate invoice number.
Morning briefing
Every morning: revenue today, three things to look at, runway. Built around what you actually check first.
Approval queue
AI drafts queue up at /approvals. One-click approve, edit-and-approve, or reject. Nothing posts without your sign-off.
Forecasts
Cash, revenue, expense forecasts. Same data as actuals, no separate model. Adjust assumptions and see the impact.
Compliance & tax
Tax authority integrations that actually file. FBR (Pakistan) live today; UK MTD, India GST, Saudi ZATCA, Mexico SAT on the roadmap. One framework, many jurisdictions.
FBR Digital Invoicing (Pakistan)
SRO 709(I)/2025 compliant. Real-time submission to PRAL. FBR-issued IRN + QR on every receipt.
UK HMRC Making Tax DigitalSoon
Quarterly VAT submission. Bridging-software-grade audit trail. Coming for UK SMBs first quarter on the roadmap.
India GST e-invoicingSoon
IRN + QR via the GST Network. Required for businesses with turnover over INR 5 crore.
Saudi ZATCA FatooraSoon
Phase 2 integrated e-invoicing. XML invoices cleared with ZATCA before issuance.
Mexico SAT CFDISoon
CFDI 4.0 invoices stamped with an authorised PAC. Mexican SMBs.
Tax rates & periods
Configurable tax rates per jurisdiction. Period-based — historic rates stay on historic invoices when the law changes.
Withholding tax receipts
WHT receipts auto-generated for payments above threshold. Filing-ready format per jurisdiction.
Monthly tax returns
STR-7 for Pakistan, VAT100 for UK, GSTR-1/3B for India. Auto-compiled from validated submissions.
Integrations
Connectors built to the same standard as the core product — encrypted credentials, full audit trail, retry policy. No "just paste your password here."
Shopify
Per-branch storefront connection. Orders, refunds, payouts auto-sync. Inventory two-way sync.
WooCommerceSoon
WordPress-based stores. Same shape as the Shopify integration — order import, payment recon, stock sync.
WhatsApp Business
Send invoices, reminders, statements via WhatsApp. Popular in MENA and South Asia; works globally.
Email (Resend)
Transactional email for invoices, reminders, statements. Branded sender, delivery analytics.
Bank feeds (planned)Soon
Direct read from supported local and international banks. Replaces statement imports.
Stripe & PayPal
Accept card / wallet payments on the customer portal. Auto-reconcile to the right invoice.
CSV import / export
Bulk import from QuickBooks, Tally, Xero, Zoho. Export everything when you want. Vendor lock-in is not our business model.
Reports & analytics
Every report tied to the ledger. Drill from the headline number down to the journal entry that caused it. Customisable, exportable, audit-ready.
P&L (org + per-branch)
Drill-down on every line. Compare periods. Export to PDF or Excel. Tax-style formatting available.
Balance sheet
Snapshot view of assets, liabilities, equity. Comparative periods. Drill into any account.
Cash flow statement
Direct + indirect methods. Quarterly view + monthly trend. Tied to the bank reconciliation.
Trial balance
Real-time. Always reconciles to zero. Filter by period, branch, division, project.
AR + AP aging
Receivables and payables by age bucket. Per customer / vendor. Driving force for dunning.
Inventory reports
Stock on hand, valuation, movement history, slow-movers, ABC analysis, expiry-soon list.
Tax reports
Sales tax + withholding tax summaries per period. Filing-ready format. Drill to underlying invoices.
Custom reports
Build your own with the report editor — pick dimensions (branch, division, project, salesperson), filter, group, export.
Customers, vendors & loyalty
CRM-grade contact management plus loyalty, commissions, and referrals. Built on the same ledger so program payouts and customer balances always reconcile.
Customer & vendor contacts
Single record acts as either or both. Branch-scoped sharing. Tax ID, payment terms, preferred currency, addresses.
Loyalty programs
Multi-layer earn: program × product × campaign. FIFO point expiry. Customer-facing redemption portal.
Salesperson commissions
Commission structures with rate cards. Auto-calculated on invoice issue or payment receipt. Drives the payout report.
Referral programs
Track who brought which deal. Credit the referrer per program rules. Auto-snapshot at credit time.
Customer statement portal
Single token-authenticated link per customer. Statement, invoices, payments — all viewable, all downloadable.
Supplier portal
Suppliers see their bills, expected payment date, and banking details. Cuts payment-status emails to zero.
Operations & HR
Lightweight HR for SMBs that need payroll + expense claims + project tracking but do not need Workday. Tied into the ledger so payroll auto-posts.
Employees
Employee register with role, branch, salary. Wired to payslips, expense claims, billable time.
Payslips
Monthly payroll runs. Auto-posts gross + WHT + employer contributions. PDF payslip + WhatsApp delivery.
Expense claims
Employee submits expense, attaches receipt, approver reviews. On approval, posts to expense + employee reimbursement liability.
Billable time
Track hours per project + per task. Billable rate per employee. Generates invoice line items on project completion.
Projects
Per-project P&L. Tag invoices, bills, billable time, and expenses to a project. Drill into project margin.
Permissions matrix
Single source of truth for who-sees-what. Per-user, per-branch, per-feature. Org-wide vs branch-scoped vs own-records.
Free tier covers everything for the first 100 invoices.
Test every feature on this page against your real books before you commit to a paid plan. Export everything if you decide to leave. No credit card up front.