Get paid. Keep the books caught up.

Setttle is invoicing and bookkeeping software for Canadian service businesses. Trace an invoice or bill through payment, bank match, and balanced books. Routine work moves along; decisions that need you stay visible.

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7-day Max trial · no credit card required

cad · usd · bills · online payments • mcp

InvoicePaymentBank matchReconciled
JournalMeridian Studio
Reconciled
Mar 4 · Stripe payout — INV-0042
AccountDebitCredit
1001 · Cash2,418.00
6101 · Card fees70.16
4001 · Revenue2,488.16
Balanced2,488.162,488.16
INV-0042Settled
Fieldnote Co.
$2,488.16

Know what happened to every dollar

The ledger is the truth

Journal entries always balance. Open entries can be corrected in place; locked changes keep the original and add a linked correction. The history remains in the books until the owner deletes the entire company after an export.

Reconcile, don't re-enter

Bank statements are external facts. Import them, match them against the books, and the ledger absorbs FX rounding to the cent. Trial balances and reports calculate from balanced entries.

Agents work under your permissions

Every plan includes MCP access. Agents can read and prepare entries; explicit posting tools require permission and the same accounting checks as the web app.

What's in the books

INV-0042 → sent → AR

Invoices tied to the ledger

Create and send customer invoices, then track payment against the accounts-receivable entry. Choose Stripe delivery or record an e-transfer and other manual payments.

BILL-018 → approved → AP

Bills with a clear paper trail

Capture vendor bills, review and post them, then record one or several payments against Accounts Payable. The bill and its journal stay linked.

receipt_2025-03-11.pdf → review → 6205

Receipts with AI coding review

Store receipts alongside the entries they support. AI suggests the coding; you review the details before posting.

online invoice → 1% + Stripe

Setttle Payments for invoices

Accept online invoice payments through Stripe from inside Setttle. Setttle's 1% fee is disclosed up front; Stripe processing and invoicing fees are additional. Manual payments have no Setttle fee.

“software spend, Q1?” → draft

Agents work under your permissions

Connect an MCP-speaking assistant to query balances and prepare entries. Posting requires an explicit permitted action that passes the same accounting rules as the web app.

meridian (CAD) ⇄ harbor (USD)

Separate books, one workspace

Keep a CAD or USD base currency for each company and switch between them from one workspace. Max supports unlimited companies.

The product contract

Handle what Setttle knows, ask when judgment is required

Every result stays traceable. Your accountant and your agents work through the same controlled workflows — never a parallel model, never a shortcut around review.

How it worksThe path from old books to settled ones: bring them over, connect the bank at cutover, clear the decisions, stay current.Connect your agentPoint Claude, ChatGPT, Cursor, or your own tools at the ledger over MCP, with read-only or manage permissions.For accountantsFree read-only access for your accountant, plus one handoff export with the schedules they already ask for.

Free read-only accountant access · MCP on every plan · no silent posting

It balances. To the cent.

Every entry must balance before it can be posted, and the database checks the same rule again. An entry that doesn't balance cannot exist — not from an import, an agent, or a mistake.

DR 2,488.16 = CR 2,488.16

One company or many. Same balanced books.

Compare plans →

Micro

One company. Real books.

Full ledger, bills, and receipts for a single company — up to 20 invoices a month.

$9 CAD / month

Start with Micro
  • 1 company
  • 20 invoices / month, including recurring
  • Receipts & attachments (AI-assisted coding)
  • Double-entry ledger & journal
  • Bank reconciliation
  • Bills & vendor payments
  • Setttle Payments · 1% + Stripe
  • Single currency — CAD or USD
  • Free read-only accountant access
  • MCP access for your agents

Max

Multiple companies

Client work. Multiple companies.

Unlimited invoicing, receipts, and every entity you run.

$19 CAD / month

7 days free · no card

Start 7-day trial
  • Unlimited companies
  • Unlimited invoices, including recurring
  • Receipts & attachments (AI-assisted coding)
  • Double-entry ledger & journal
  • Bank reconciliation
  • Bills & vendor payments
  • Setttle Payments · 1% + Stripe
  • USD & CAD across companies
  • Free read-only accountant access
  • MCP access for your agents

Questions worth asking

What does Setttle do?

Setttle is accounting software for Canadian service businesses. It connects invoices, bills, payments, and bank activity to a double-entry ledger, then shows you what still needs a decision. See how the books stay current.

Who is Setttle for?

Canadian solo operators, small service businesses that invoice clients, and Shopify merchants who need to reconcile Shopify Payments to their bank deposits. Setttle does not run payroll, inventory, or a point of sale.

Can I bring my books over from Wave?

Yes. Upload a Wave accounting export, review the proposed import, and resolve opening balances and outstanding items before relying on the new books. Read the Wave switching guide.

What if a bank transaction does not match?

It stays visible for review with its evidence. Setttle does not turn an uncertain match into a posted accounting fact.

Can my accountant use Setttle?

You can invite an accountant with free, read-only access to a company and export the schedules and source documents they need. See the accountant handoff.

Get your books settled

Bring your books over, keep them current, and step in only when Setttle needs a decision.

Start free trialSee pricing

7-day Max trial · no credit card required