Everything in one place
Everything you need to run your finances.
One platform for selling, buying, banking, tax, accounting, reports and compliance — the UK today, France and Germany planned for 2028.
Time & money
How much could you reclaim?
Slide a few assumptions — see an indicative range for hours and equivalent value you might get back each month with one finance stack instead of manual work.
Your indicative estimate
Around 18.6 hours per month back in the business
Roughly £651 per month in equivalent productive time
Illustrative model only — not a promise or financial advice. We apply a typical blended UK hourly rate of £35 to turn reclaimed hours into money; your real rate and savings will vary.
Sell
7 features
From quote to cash: invoices, subscriptions and a branded client portal in one flow.
Invoices
Create professional invoices in seconds. Add your logo, payment terms and bank details, and send by email. Card payment links are coming soon.
Quotes
Turn quotes into invoices with one click. Send quotes for client approval and see which ones were accepted.
Credit Notes
Issue full or partial credit notes against any invoice. Automatically reconciled against your ledger.
Delivery Notes (coming soon)
Coming soon: delivery notes generated from invoices or orders, to keep fulfilment and finance in sync.
Purchase Orders (coming soon)
Coming soon: purchase orders you create and match to supplier invoices.
Recurring Invoices (coming soon)
Not available yet — recurring invoices and recurring journal entries are both coming soon.
Client Portal
Give customers a branded portal to view and download their invoices. Paying online from the portal is coming soon.
Buy
4 features
Capture receipts, approve spend and stay audit-ready without spreadsheet chaos.
Expense Tracking
Snap receipts with your phone. AI reads the amount, date and category automatically. No manual entry.
Purchases
Record supplier invoices and bills. Track what you owe, when it's due, and keep cash flow under control.
Expense Approval Workflows (coming soon)
Not available yet — on the roadmap. Route employee spend to a named approver before it is paid, with every decision recorded.
Mileage & Per Diem
Log business trips and claim mileage at HMRC or local tax authority rates.
Banking
4 features
Import your bank statement, reconcile in minutes and see where the money went. Live bank feeds are coming soon.
Bank Connections (coming soon)
Coming soon: live feeds from thousands of UK and European banks via open banking. Today, import a CSV statement from any bank.
Transactions
Every bank transaction categorised automatically from your rules, matched on payee and description. Review, edit and split transactions in one view.
Reconciliation
Match bank transactions to invoices, bills and expenses with one click. Catch discrepancies instantly.
SEPA Payments (coming soon)
On the roadmap: create SEPA XML payment files to pay multiple suppliers in one batch directly from your bank.
Tax
4 features
File VAT with HMRC MTD — without leaving Marchant. UK compliance is what Marchant does today; French DGFiP and German ELSTER filing arrive with the 2028 launches.
United Kingdom — HMRC & MTD
Prepare MTD-compliant VAT returns with digital records kept the way the rules require. Direct submission to HMRC is supported, with rollout pending HMRC production approval. CIS deductions covered for construction businesses.
France — DGFiP & Factur-X
Planned for 2028: file TVA returns to the DGFiP, issue Factur-X e-invoices ready for the e-invoicing mandate, and export FEC files when the tax office asks.
Germany — ELSTER & DATEV
Planned for 2028: submit UStVA returns via ELSTER, hand your Steuerberater a clean DATEV export, and keep GoBD-compliant records.
Deadline tracking
Marchant tracks the HMRC MTD filing calendar and shows how long you have until each return is due. French and German deadline tracking is planned for 2028.
Accounting
6 features
Core ledger, payroll, assets and cost control built for growing teams.
Chart of Accounts
Full double-entry bookkeeping with a customisable Chart of Accounts. Built for HMRC today, with DGFiP and ELSTER planned for 2028.
Journal Entries
Post manual journal entries with full double-entry. Every entry is auditable and reversible.
Payroll
Keep employee records in Marchant today. UK payroll via BrightPay sync — payslips, PAYE, NI and pension auto-enrolment linked to your books — is coming soon. French and German payroll accounting — posting payroll journals and storing payslips — is part of the 2028 launch; dedicated payroll integrations for those markets are on the roadmap.
Fixed Assets (coming soon)
Coming soon: a fixed asset register with a depreciation method per asset, and the entries posted for you.
Cost Centres (coming soon)
Coming soon: allocate income and expenses by department, project or location for granular P&L reporting.
Budgets (coming soon)
Coming soon: monthly or annual budgets for any account, with actuals tracked against them.
Reports
6 features
P&L, balance sheet, VAT books, dashboards and custom cuts — always current.
P&L Statement
Real-time Profit & Loss statement. Filter by period or currency; cost-centre and project filters are coming soon.
Balance Sheet
Always up-to-date Balance Sheet. Export to PDF or Excel for your accountant or investors.
Cash Flow Statement
Understand where money comes in and goes out. Rolling cash-flow forecasts are coming soon.
VAT Return
One-click VAT calculation and export. Drill down to see every transaction included in the return.
Analytics Dashboard
Visual KPIs and trend charts to see the big picture at a glance. Business health scores are coming soon.
Advanced Reports (coming soon)
Coming soon: cash-flow forecast, budget vs actual and cost-centre P&L. Trial balance and A/R and A/P ageing are in the standard reports today.
Compliance
4 features
Documents, OCR, an activity log and GDPR-friendly controls in EU-hosted infrastructure.
Document Storage
Upload and organise contracts, receipts, bills and statements in one secure place.
OCR Scanning
Point your camera at any document. Marchant extracts key data and links it to the right transaction.
Audit Log (coming soon)
Coming soon: every action logged with user, timestamp and before/after values, exportable for compliance reviews. Today, the activity log in Accounting shows who changed what in your ledger.
GDPR Compliance
Data stored in EU data centres (Stockholm). Full data portability and right-to-erasure workflows built in.
See it in action
See Marchant in action — 90 seconds
Watch how fast you can create an invoice, reconcile your bank statement and file VAT — all in one platform.
Simple, transparent pricing
Every plan includes UK compliance — pick the tier that matches your stage.
View pricingReady to try it all for free?
30-day trial on every plan · No credit card · Cancel anytime.