Finance · Bank
Payments that
match themselves
For anyone whose customers pay by bank transfer. Connect your Fio bank account and incoming payments match to orders on their own. No more scanning statements or marking payments by hand.
- Matching by payment reference and by message text
- A paid order triggers the invoice and a customer e-mail
- Official Fio PDF statements downloaded automatically
No credit card. Up and running in 5 minutes.
- Wood & Steel s. r. o.Ref 20260981 · order 2026-0981+CZK 24,990Matched
- Jana NovákováRef 20260979 · order 2026-0979+CZK 1,290Matched
- Kavárna U Mostu s. r. o.No ref · “payment for November”+CZK 12,100Unmatched
- O2 Czech Republic a. s.Ref 2026118734 · Services−CZK 1,049Outgoing
- Fio APITransactions and statements through an API token, no exports or imports.
- Matching every 2 minutesUnmatched payments are compared with open orders continuously.
- GPC/ABO importUpload statement files from KB, ČSOB, Raiffeisenbank or Česká spořitelna.
- No duplicatesEach transaction carries the bank’s ID. Re-importing never doubles it.
Why bank in BizKitHub
Checking the statement should not take all morning
If you sell on bank transfer, you open internet banking every day, hunt for payment references and mark orders by hand. BizKitHub does it continuously and on its own.
Today
- Every morning you scan the statement for payment references
- A customer writes the order number in the message and the payment gets lost
- The invoice waits until someone checks the payment by hand
- PDF statements for the accountant are downloaded one by one
With BizKitHub
- Transactions download from Fio automatically
- Matching also searches the message for the recipient
- A matched order is marked paid and issues its document
- Statements are downloaded and filed by month
Automatic matching
From incoming payment to issued invoice without a click
Matching compares unmatched transactions with open orders from the last 90 days. First by the variable symbol (the Czech numeric payment reference), then in the message text, where customers often type the order number. The matched order is marked paid and status rules issue the document.
- One order can be paid by several payments
- Every match is written to the order history
- The sender’s account is saved to the contact when the name fits
- Document and confirmation e-mail according to status settings
- 10:45Transaction downloaded from FioWood & Steel s. r. o. · ref 20260981
- 10:46Matched to order 2026-0981Payment reference match
- 10:46Order marked as paidPayment source: bank transaction
- 10:47Invoice FV-2026-0412 issuedPDF e-mailed to the customer
Statements and history
Official Fio statements without downloading them one by one
Every hour, new PDF statements are fetched for every account with a working Fio connector. Missing statements for the current and two previous years are backfilled. Each account shows whether its history is complete.
- Opening and closing balance on every statement
- Backfill history with one button
- A notice when Fio needs strong authorisation for older data
- GPC/ABO import from other Czech banks
| Statement | Closing balance | |
|---|---|---|
| No. 10 · October 2026 | CZK 398,214.50 | Downloaded |
| No. 9 · September 2026 | CZK 312,840.12 | Downloaded |
| No. 8 · August 2026 | CZK 287,105.00 | Downloaded |
| No. 12 · December 2024 | — | Needs authorisation |
Categories and overview
Where the money goes, without manual sorting
Transactions are sorted into categories by rules and AI. The account overview shows 30-day income and spending, the balance, matched and unmatched payments and the bank connection status.
- Transaction categories for income and cost reports
- Several accounts and currencies in one overview
- Sync on demand with a button
What it does
A bank feed that works for you
Fio via API
Paste the token once, the first download runs within minutes.
Reference matching
Exact match on the payment reference plus a search in the message text.
Order paid
A matched order is marked paid and triggers the next steps.
PDF statements
Official statements downloaded automatically, including history.
GPC/ABO import
Upload statement files from other Czech banks.
Transaction categories
Payments sorted automatically by rules and AI.
Accounts on contacts
The account a customer paid from is saved to their contact.
Connection status
Plain messages when Fio rejects the token or does not respond.
Wired to accounting
Bank payments matched to documents in open items, plus bank rules.
Getting started
Connect your account in five minutes
- 01
Create a token at Fio
In Fio internet banking, add an API token following the guide in the admin.
- 02
Paste it into BizKitHub
The connection is checked and the first transactions download.
- 03
Let payments match
Orders with a payment reference now mark themselves as paid.
Who it is for
Where bank-transfer matching matters most
E-shops with bank transfer
The order goes to fulfilment as soon as the money arrives.
Services and courses
Bookings and passes confirmed by the incoming payment.
B2B invoicing
Large company payments carrying the order reference.
Accountants
Client statements and transactions without asking for exports.
Connections
Banks and formats
- Fio banka (API)
- GPC/ABO
- Komerční banka
- ČSOB
- Raiffeisenbank
- Česká spořitelna
Connected modules
Runs on the same data as the rest of your company
Invoicing
Invoices with VAT, QR payment and ISDOC, issued on payment.
Payment gateways
GoPay, Comgate and Stripe. Cards, transfers, recurring.
Orders
The whole order lifecycle, from cart to payment and dispatch.
Accounting
Double-entry bookkeeping wired to documents and bank.
Expenses & bills
Bills arrive by e-mail, AI extracts the data.
Contacts & CRM
Customers, companies and the full relationship on one card.
Frequently asked questions
Common bank questions
Which banks connect automatically?
Automatic transaction and statement download via API works with Fio banka, a Czech bank. From other Czech banks such as KB, ČSOB, Raiffeisenbank or Česká spořitelna you upload a GPC/ABO statement file (the Czech bank export format) and matching works the same way.
Does BizKitHub send money from my account?
No. The system only reads transactions and downloads statements. It never submits payment orders. You can revoke the token at Fio at any time and the connection ends immediately.
What if the customer leaves out the payment reference?
Matching also looks for the order number in the message for the recipient and in the notes. Payments that cannot be matched appear in the unmatched list.
How often are transactions downloaded?
Balances and transactions refresh at least every two hours, more often during busy periods. You can also start a sync by hand. Matching against orders runs every two minutes.
Are older statements downloaded too?
Yes, for the current and two previous years. Fio releases data older than 90 days only after strong authorisation in its internet banking. The system tells you when that is needed and then fills in the history.
Stop checking statements by hand
Create a free account and connect your Fio bank account.