Questions

Start a free trial on the site. You fill in your company name and pick where it is registered, and CORA sets up your chart of accounts, your sales tax rules and your filing deadlines for you. You save your bank card at signup; nothing is charged for the first fourteen days.

Rather have us walk through it with you? Email sales@cora.financial and we will set it up together and go through your first bank statement with you.

Yes. You pick a start date and enter your opening balance at that date on one screen — bank balances, what customers still owe you, what you still owe suppliers and the rest of your balance sheet. CORA only books it when debit and credit are equal to the cent.

Your history comes along too: import your customers and suppliers from CSV or Excel, your invoice history from a spreadsheet (unpaid invoices become open invoices that simply carry on), and your old sales invoices as PDF or Word. There is no button that copies another package wholesale — someone looks at those numbers once, and we do that with you.

No, but you do need to know your own business. CORA does the sorting and explains, in normal words, why it wants to book something a certain way. The awkward subjects — loans, dividend, money you lent your own company, depreciation — each come with an explanation of what to do and why.

For your annual accounts and your tax filings you still want an accountant. CORA makes their work shorter, and cheaper for you.

Yes — CORA for Android is in Google Play. Scan a receipt the moment you get it, approve what is waiting in your inbox, match bank lines, and make and send an invoice from your phone. The iPhone version is on its way.

Reports, year-end and settings stay in the full CORA on the web.

Yes, and it is built for the case where the owner lives outside the United States. You get the bookkeeping, a live connection to your US bank (included in the US plans), and the IRS forms filled in from your books: Form 5472 with a pro forma 1120 for a single-member LLC — faxed to the IRS in one click from your own US fax number, with the delivery report kept as proof — or Form 1065 with a Schedule K-1 per member for a multi-member LLC, ready to print and mail. CORA also works out who needs a 1099-NEC and fills in the recipient copies.

Sales tax is a state matter: CORA watches the thresholds per state and, for the states where you are registered, adds up what you invoiced per filing period. The sales tax returns themselves are not something CORA files.

Two ways in. Some banks connect live, so transactions arrive on their own — European banks through Ponto, and in the US plans your American bank: Mercury and Wise directly, other US banks through Stripe.

Local banks in Curaçao, Aruba, Sint Maarten and the BES islands do not offer a live connection. For those you upload the statement from your online banking, or let your bank email it to your CORA address. CORA reads the statement your bank gives you — the PDF, or the MT940, CAMT.053, CSV or Excel export.

Uploading is not second-class. The statement is checked line by line against its own opening and closing balance, so you know the month is complete.

Yes, and it saves you the whole download-and-upload routine. Every administration has its own email address. If your bank can send your statement by email, point it at that address and CORA reads it the moment it arrives — checks it against its own opening and closing balance, creates the transactions and starts matching.

The bank account needs to exist in CORA already, so the statement lands on the right one. The same address also takes purchase invoices and receipts from your suppliers.

A European account through Ponto costs nothing in CORA — Ponto may charge for their own service, and that is a contract between you and Ponto. In the US plans the connection to your American bank is included.

A live connection for the US dollar account of a company in the Caribbean comes as a separate add-on; the pricing page shows whether it is available yet.

Uploading statements, or emailing them in, is free and always will be. A live connection saves you the trip to your online banking; it is not the only way in.

It says so, instead of importing half a month and letting you find out in March. Send us the file and we add support for that format — that is how the current list was built.

Each transaction is compared with your open invoices and receipts on invoice number, amount, currency, date and counterparty. CORA gives every match a score and shows the reasons in plain language.

You set the line yourself: above your threshold it books automatically, below it the match waits for you. Everything that is booked automatically stays visible and can be undone. Nothing is hidden.

That is what the email inbox is for: every administration gets its own address you can give to suppliers, or forward invoices to yourself. Attachments are read and put straight into your inbox in CORA.

You can also upload a whole stack at once, or drag in a photo of a receipt from your phone.

Yes, and it is done the way an accountant would want it. The purchase is valued at what actually left your bank account, not at some published daily rate you never paid. Bank charges and exchange differences end up where they belong.

Yes. On the invoice there is "Paid, statement follows": you pick the account, the date and the amount. CORA books it straight away, so the invoice is settled, no reminder goes out, and your balance shows the money that is really there.

When the statement does arrive, that same payment is on it. CORA recognises it — same account, same amount, a date close to the one you gave — and turns your line into the statement line instead of adding a second one. No double booking, and two payments of the same amount in one week still stay two payments.

Yes, with the payment links add-on. On Curaçao, Aruba, Sint Maarten and the BES islands that goes through Sentoo and your own merchant account: a QR code on the invoice and a pay button in your email. In the US and on Saint-Martin it goes through your own Stripe account — card, Apple Pay and Google Pay — and the invoice is marked paid by itself. You tick it per invoice, so you decide each time whether it goes along.

CORA only suggests a local pay-by-bank link for a customer in your own country. A link for an island bank is of no use to someone in the Netherlands or Belgium, and an invoice that promises a payment method the customer cannot use is worse than one that promises nothing.

Yes. Mark an invoice to repeat every week, month, quarter or year — while you make it, or later on the invoice itself — and pick the date of the next one. On that day CORA makes the new invoice with its own number and books it.

Tick "send it by itself" and it goes to your customer by email exactly as if you had pressed Send: the PDF attached, and with the payment links add-on a QR code and a fresh pay button. Rather check it first? Leave the tick off and CORA only makes the invoice. You stop repeating with one click.

Three ways, all under Sales. Take a photo of the Z-report and CORA reads the day, cash, card and total for you to confirm. Or upload the Excel or CSV export of your till — any till that can export a Z-report or daily overview. Or connect Loyverse once, and every night's takings come in by themselves.

Each day becomes one sale with a line per tax rate. Cash goes to your cash box, card payments wait as "on the way" until the deposit shows up on your bank statement, and a day that is already in CORA is never booked twice.

CORA prepares it everywhere: your position is kept up to date all month, and on the day you get the figures — laid out the way the form asks for them — with the deadline for your filing period, monthly, quarterly or yearly.

On Saint-Martin CORA also sends it: the return goes to the tax office by email, with the reference the office expects and your proof of payment attached. On Curaçao, Aruba, Sint Maarten and the BES islands you or your accountant copy the figures into the tax office's portal; CORA records what you filed and warns you if the books change afterwards.

Profit and loss, balance sheet, trial balance, general ledger, sales tax summary, cash flow, debtor and creditor ageing, missing documents, results per project or per contact, and a complete audit trail of every change. All of it exports to PDF or Excel. At year-end: your annual accounts, signed digitally by your directors, a zip with every document for your accountant, and an XAF audit file.

Yes, at no extra cost. You invite your accountant and they get their own login, read-only: they see everything without changing your books. No more emailing files back and forth, and no sharing your password.

Per company, per month, in US dollars — the prices are on the pricing page and they are the ones that count.

What differs between the plans is how much paperwork they include: a number of documents a month, from a small business to a restaurant or wholesaler with hundreds of supplier invoices. A holding with its operating company has a plan for the pair, US LLCs have their own plans with the IRS filings included, and every company beyond your plan is charged as an extra company at the rate of its own country.

Everything else is in that price. There is no cheaper plan that leaves out reports, and no charge per invoice or per transaction.

Nothing is blocked. CORA keeps reading and the extra documents are charged per document on your next invoice.

If it happens twice, a bigger plan is cheaper than the extras, and you can move up whenever you like. What counts as a document is what CORA reads for you: receipts and purchase invoices, plus sales invoices you upload as PDF. Bank statements never count, and neither does anything that arrives as data — invoices you make in CORA, webshop orders, the API and spreadsheet imports.

White-label removes "Sent with CORA" from the emails and documents your customers receive. Payment links let customers pay an invoice online — through Sentoo on the islands, through your own Stripe account in the US and on Saint-Martin. And every company beyond your plan is an extra company at the rate of its own country. Coming soon: your own US bank account and a EUR IBAN in your company's name.

The prices are on the pricing page. An add-on that says coming soon is not for sale yet — ask us and we will tell you where it stands.

No. Every add-on can be switched on later from inside your administration, and it appears on your next monthly invoice. You can switch them off again the same way.

So start with just the plan if you are not sure — nothing is lost by deciding later.

Online, by card — Apple Pay and Google Pay work too. Your subscription is charged automatically each month and you get the invoice by email. We do not take payment by bank transfer.

You can cancel at any time and you keep access until the end of the period you already paid for. If a payment does not go through, you get a reminder two weeks after the invoice date, and access is only paused a week after that. It is never a surprise, and your data is not deleted.

Yes — fourteen days, and nothing is charged to start: you save your bank card when you sign up, and the first month is only charged on the last day of the trial. Set up your administration, put a real bank statement in and see what comes out.

Want to stop? Cancel no later than the day before the last trial day and you pay nothing at all.

Only the people you give a login. Each administration is strictly separated from every other one, and our staff only look at your data when you ask us to help with something.

Every action is logged: who did what, and when.

Your books run on servers in the United States, at professional hosting providers, with an encrypted backup every night that is kept for 35 days. The full list of the companies that process data on our behalf is in our Privacy Policy.

They stay yours. Export your reports and your figures before you go — and if you have already cancelled and still need something out, email us and we will get it for you.

You are legally required to keep your records for years. We do not hold them hostage.

Two-step verification is required for every account — with an authenticator app, or with a passkey: Touch ID, Face ID, Windows Hello or a hardware key. Sessions expire, every change is recorded, and every upload and emailed attachment is checked for viruses.