From invoice to payment to cash outlook — in one place
cursopay collects your incoming and outgoing invoices, prepares every payment at the correct BNR rate as a file your bank can import, matches your bank statements to invoices on its own, and shows what is paid, what is due and how much cash you will have in the coming months.
Paying, chasing and planning — still done by hand
For a Romanian SME, money management is more than a monthly payment run: invoices to collect and re-type, exchange rates to look up, bank statements to tick off against invoices, customers who pay late, and, at the end, no clear idea of what the next months will look like.
From the invoice to the bank, and back to your overview
cursopay sits between your invoice sources, your bank and the people who need the numbers.
Invoices arrive on their own
Incoming invoices are pulled from ANAF e-Factura every day or read from your invoice mailbox — including PDFs and scans, which cursopay reads for you. Outgoing invoices are captured the same way, from e-Factura or by upload.
Checked before anything is paid
The right BNR rate is applied per contract, and every new invoice is checked: first-time supplier, changed IBAN, possible duplicate, or a supplier that looks odd in the public company register. Suspicious items are flagged for a quick look, not silently paid.
One payment run per purpose
Contracts, payroll, domestic RON payments and foreign EUR payments each get their own payment run, exported in the file format your bank expects — with the rate, date and source recorded for every amount.
Bank statements reconcile themselves
Upload your statements or let them arrive by email, in PDF or Excel, from any bank and in any language. cursopay matches every booking to the right invoice, and recognises bank fees, transfers between your own accounts, double payments and refunds.
You see where the money stands and where it goes
A dashboard with what is unpaid and what needs attention, reports on spend and income, and a liquidity plan and forecast that look ahead — built from your real invoices, contracts and bookings.
What cursopay does
Payments, reconciliation and cash planning in one product — without turning into a full accounting suite.
Incoming invoices, automatically
Daily download from ANAF e-Factura, plus your invoice mailbox. PDFs, scans and XML invoices are read automatically — you review and confirm instead of typing.
Outgoing invoices and receivables
Your issued invoices come in from e-Factura or by upload, are matched to incoming payments, and show clearly what is paid, partly paid or open. Uncollectable amounts can be written off, and gaps in your invoice numbering are flagged.
EUR → RON at the right rate
The rate rule — invoice date, payment date, or the day before — is set per supplier or contract and applied from a daily-synced BNR rate history.
Payment runs for every case
Separate runs for contracts, payroll, domestic and foreign payments, exported as a bank-ready file — ready-made for Libra Bank and ING, and adaptable to other banks with your own CSV format.
Payroll in the same flow
Your monthly payroll export becomes prepared payments, matched to employees, next to your supplier payments.
Automatic bank reconciliation
AI reads your statements and matches every booking to invoices by invoice number, amount and counterparty. Bank fees, internal transfers, double payments and refunds are recognised, and anything unclear is flagged for review. Where needed you can assign bookings manually, including a collective payment against several invoices. Libra Bank and ING are supported out of the box.
Recurring payments and contracts
Rent and other regular payments are recognised from your bookings. cursopay suggests contracts it finds, tracks their lifecycle and proposes each payment on time, already converted.
Customer payment behaviour
See which customers pay on time, which pay late and how much is outstanding, plus a preview of what falls due in the coming weeks.
Liquidity plan and forecast
Combine open invoices, contracts, recurring payments and term deposits into a month-by-month cash plan, with a forecast of income and expenses that accounts for seasonality — and a back-test that shows how reliable it has been.
Spend and income reports
Where the money goes and where it comes from — by supplier, customer, product and income source, across all your accounts in RON or EUR.
Built-in invoice checks
First-time suppliers, changed bank details, duplicates, shared IBANs between suppliers, unusual prices and inconsistencies with the public company register are flagged before you pay.
A full record, ready for your accountant
Rate, date and source are logged for every amount. Print a bank statement per account with each booking’s supporting document attached, in German, English or Romanian.
What’s next
The core — invoices, payments, reconciliation and cash planning — is in place. These are the areas we are looking at next.
More banks and formats
Libra Bank and ING are already supported. We are adding statement and payment-file formats for further Romanian and international banks.
Direct bank connection
Where your bank offers an API, send payments and fetch statements directly instead of importing files.
More currencies
Support for further currency pairs beyond EUR/RON, where your contracts need them.
Built for how an SME actually works
Every role sees exactly what it needs, without getting lost in detail.
Accounting clerk
Reviews the invoices and payroll that arrive automatically, checks flagged items, prepares payment runs and clears bank bookings.
Admin
Maintains partners and contracts, including rate rules, and manages bank accounts, mailboxes and which menus each team sees.
Manager / owner
Sees at a glance what is unpaid, who owes money, how much was spent and earned, and how much cash the coming months will bring — without asking for a separate report.
Auditor
Gets the rate history, the record behind every payment and a printable bank statement with supporting documents, whenever a review is needed.
Your financial data, handled with care
cursopay works with invoices, IBANs and payroll — information no business hands over lightly. Here’s how we look after it.
Every page sits behind a secure login
There is no public view of your invoices, payroll or bank details — every screen is only reachable after a secure, verified sign-in.
Your company’s data stays separate
Each customer’s data lives in its own separate space, never mixed with another company’s invoices or payroll.
No open doors
Our systems are never directly exposed to the public internet — every connection passes through a controlled gateway.
Security that keeps evolving
We continuously review and strengthen our safeguards as cursopay grows, so protection keeps pace with the trust you place in us.
Curious how cursopay would fit your payments and cash planning?
We’re happy to walk through what automatic invoice capture, payment files, bank reconciliation and a cash forecast would look like for your actual situation.
Get in touch