iPendio unifies invoice ingestion, approval workflows, and real-time budget analytics so franchise operators and multi-site teams eliminate blind spots and pay vendors on time — every time.
Every tool your finance and operations teams need to capture, approve, analyze, and settle vendor obligations — fully automated and purposefully transparent.
AI-driven invoice capture with OCR scanning, automatic 3-way matching against POs and receipts, and exception routing — cutting manual entry by 85%.
Live dashboards that aggregate spend data across all locations, flag budget overruns instantly, and surface category trends your spreadsheets would miss.
Centralized vendor profiles with W-9 storage, contract milestones, compliance checklists, and performance scorecards — one source of truth for every supplier.
Configurable approval chains, scheduled ACH/wire runs, early-pay discount capture, and reconciliation that posts to your GL automatically.
Whether it arrives by email, upload, or API feed, every invoice follows a clear, auditable path through your organization.
Invoices enter via email forwarding, drag-and-drop, mobile scan, or direct ERP integration. OCR extracts line items in seconds.
InvoiceFlow runs 3-way matching against purchase orders and goods receipts, highlighting discrepancies for human review.
Notifications route to the right approver based on amount, category, and location. Mobile-friendly approval keeps cash flowing.
PaySync executes payment runs on schedule. SpendLens updates dashboards in real time so leadership sees the full picture.
Founded in 2021 in San Francisco, iPendio emerged from a simple frustration: multi-location businesses were drowning in paper invoices, scattered approvals, and zero visibility into where their money actually went.
Our team of 42 professionals blends deep fintech architecture with hands-on franchise operations experience. We serve hospitality groups, retail chains, healthcare networks, and franchise systems across North America.
15 years in enterprise fintech. Former VP of Product at a Fortune 500 payment processor. Scaled two SaaS companies past $30M ARR.
Former engineering lead at a supply-chain automation startup. Expert in distributed systems, ML-driven document parsing, and cloud-native architecture.
12 years in franchise management and multi-unit operations. Previously ran AP transformation for a 200-location restaurant group.
iPendio sends only transactional and operational messages triggered by user actions or system events. We never send marketing emails, newsletters, or promotional content.
Only verified platform users: finance managers, approvers, location operators, and administrators who registered through our onboarding process or were invited by an account administrator. We never send to purchased, rented, or scraped lists.
Consent is obtained through platform registration (B2B contractual basis) or admin invitation with verified acceptance. Every recipient is a legitimate user of the platform.
We maintain rigorous controls over every message leaving our infrastructure. Here's how we protect sender reputation and recipient trust.
Every address belongs to a registered user who completed identity verification during onboarding.
Hard bounces, complaints, and manual opt-outs are added to a global suppression list enforced before every send.
Automated rules suppress addresses after a single hard bounce. Complaints trigger immediate review and suppression.
We subscribe to ISP feedback loops and review every complaint within 24 hours, adjusting send behavior as needed.
Built-in throttles prevent volume spikes. Any deviation from baseline patterns triggers an automatic hold and ops review.
Only authorized operations staff can modify templates or sending rules. Every change is logged with timestamps and approver identity.
Your financial data deserves bank-level protection. Our stack is built for resilience, compliance, and transparency.
Deployed on AWS (us-west-2, Oregon) with multi-AZ redundancy, auto-scaling, and continuous backups.
Mailgun SMTP relay on a dedicated IP. SPF, DKIM, and DMARC (p=reject) enforced on every outbound message.
TLS 1.3 for all data in transit. AES-256 encryption at rest for databases, file storage, and backups.
SPF + DKIM + DMARC (p=reject) for email. MFA enforced for all admin and finance-role accounts.
Real-time bounce and complaint tracking, uptime monitoring, latency alerts, and automated incident response.
Delivery logs retained 90 days. Application access logs stored 12 months. Change management records archived indefinitely.
Schedule a personalized walkthrough with our team. We'll map iPendio to your location structure and show you ROI within the first 15 minutes.
Book a Demo