Product Features
Every feature.
One platform.
SKOOR™gives every business an AI agent, a corporate card, and a financial health score. Here's everything it does.
Available on SKOOR Plus. See SKOOR Plus overview for plan details. Corporate Card, AI Coding, and Business Health Score are free on all plans.
Corporate Card
Unlimited virtual and physical cards with score-based credit limits. No minimum balance.
AI Expense Coding
Every transaction auto-categorized by merchant, amount, and history. Learns from your corrections.
Smart Review
AI suggests approve, flag, or review on every transaction. You handle exceptions only.
Accounts Payable
Upload invoices, AI extracts line items, pay by ACH, card, check, or wire.
Zero-Touch Workflows
Routine spend auto-syncs to QuickBooks or Xero. Exception-only review.
Business Health Score
0-1,000 score across 3 pillars: AI agent, merchant services, and business credit.
Statement Analyzer
Upload your processing statement. See your savings vs. interchange-plus in 60 seconds.
Interchange-Plus Processing
Pay the actual interchange rate plus a transparent 0.25% markup. Save $100-400/month.
Score-Driven Intelligence
Credit limits, approvals, and agent autonomy all adjust based on your SKOOR score.
QuickBooks & Xero
One-click connect. Transactions auto-sync. Chart of accounts mapped by AI.
Vendor Management
Onboard vendors, collect W-9s, score reliability, and track spending by vendor.
Bill Pay Management
Drafts, approvals, payments, history — with bulk actions, filters, and CSV export.
Travel & Expense Reporting
Track travel spend, enforce policies, export CSV/PDF reports by date or category.
Advisor Console
Accounting firms manage all clients from one portal. Referral bonuses up to $750.
Auto-Sync Recurring Spend
In-policy spend syncs to your ERP continuously with 98% accuracy.
Budget Tracking
Set budgets by category or project. See actuals vs. plan in real time.
Line Item Auto-Coding
AI codes every invoice line item to the correct GL account. 99% accuracy in 30 days.
KYB Onboarding
Email to first card in under 2 minutes. Sole proprietors welcome. No EIN required.
Clover Integration
Connect your Clover POS. Import transactions. Score your business from your sales data.
Receipt OCR
Upload a receipt photo or PDF. AI extracts vendor, amount, date, and line items.
GABRIEL Notifications
Welcome drip, score milestones, weekly digest — all delivered automatically by your AI agent.
How It Works
From card swipe to coded entry
Transaction clears
Card swipe, bill payment, or reimbursement
AI agent evaluates
Merchant, amount, history analyzed in <1 second
Fields populated
Category, vendor type, tax class auto-filled
Action suggested
Approve, review, or flag based on confidence
Auto-approve or queue
High-confidence items skip manual review
Sync to books
Approved items push to QBO/Xero on schedule
Feedback Loop
The more you use it, the smarter it gets
Week 1
~85%
Agent learns your vendors and categories
Month 1
~93%
Pattern recognition sharpens with volume
Month 3
~97%
Near-zero manual coding for routine spend
Safe Rollout
Start simple. Scale with confidence.
Start with rules
Set spending policies. Your AI agent learns from day one.
Enable AI coding
Auto-categorization on. Review the AI's work, then trust it.
Layer in smart review
AI suggests approvals. You handle exceptions only.
Go zero-touch
Connect accounting software. Approved transactions sync automatically.
FAQ
Can I override the AI?
Yes, always. Your corrections are final and the AI learns from them.
What confidence level for auto-approve?
Default 95%. Adjustable in Settings. Lower = more automation.
Is AI Coding free?
Basic categorization is free. Smart Review, zero-touch, and advanced rules require SKOOR Plus ($15/mo).
Does it work with QuickBooks?
Yes. One-click OAuth connect. Transactions auto-sync. Chart of accounts mapped by AI.
Can my accountant see the AI's work?
Yes. The Advisor Console gives full visibility into AI actions across all clients.
Smart Money.
Skoor™ Higher.
Your AI agent is ready. Sign up, get your card, and let it go to work.