Točno — before the money leaves.
Check payments before you send them to the bank
Upload a payment batch from Minimax or your e-bank and within seconds see a changed IBAN, a double payment, an unusual amount and new recipients — every warning says why.
Works with exports from Minimax, Vasco, SAOP, PANTHEON or Excel →
Free · no sign-up · the file stays in your browser
Tools for small businesses that decide by the numbers
Točno builds simple web tools for small and mid-size businesses. Each one answers a single, concrete business question — whether the payments you send are safe, who pays you late and how much they owe you, what manual work really costs you — with figures you can check.
Who it's for
Businesses without an analyst or an IT department, where decisions are made in Excel or by gut feeling.
How
The tools are free and need no sign-up. Every calculation is shown, every assumption written down.
Why
Before a business spends money on automation, it should know whether it pays off. Sometimes the honest answer is "no" — and we say so.
Tools
Available now — free.
Payment check
Upload today's payment batch (pain.001 XML, CSV or XLSX) and see which payments to look at again before the money leaves: a changed IBAN, a double payment, an unusual amount, a new recipient. Every warning says why. The file never leaves your browser. Free.
- changed IBAN
- double payments
- unusual amounts
- a cleaned file for the bank
Who pays you late
Upload your invoice list and see, customer by customer, who pays late, what they owed you by law and who should get a reminder.
Točno report
A weekly report on one A4 page: who owes you, what you will pay this week and whom to chase. Ready to print or save as PDF.
Process Cost Calculator
Enter your repetitive processes and see what they really cost you a year and how much is realistically recoverable.
What you can expect from us
We show the arithmetic
Every figure our tools produce comes from what you enter. Nothing is estimated on your behalf and presented back to you as fact.
We say no when the answer is no
A tool that only ever tells you to buy something isn't giving you an answer — it's giving you a pitch. Ours are built to point out when something isn't worth doing.
We start small on purpose
We build and test each tool narrowly before widening it. Early-stage work is labelled as such, not dressed up as more than it is.
Who's behind this
Točno is a small, independent operation building focused tools for real operational questions in small and medium businesses across Europe.