FIZ vs ifthenpay

FIZ is the financial assistant for freelancers, self-employed professionals and small businesses in Portugal. Invoices, payments and taxes — in one app. INVOICE IN SECONDS • AT-certified invoicing (certificate No. 3041): invoices, invoice-receipts, simplified invoices, receipts, quotes, credit and debit notes • Working documents (pro forma, estimate, work sheet, consignment invoice…) and transport documents (guias), with or without prices • VAT and withholding tax on every line, item discounts, your logo and IBAN on the PDF • A correction assistant when something went wrong: credit note, debit note, annulment or a corrected copy • Recurring invoices, custom series, SAF-T export and automatic monthly sending • Customers and items catalogue, import from e-Fatura and SAF-T GET PAID • Tap to Pay on iPhone: accept contactless cards right on your iPhone — no card machine needed • QR code and payment links for invoices and quotes • Payouts to your bank account and automatic invoicing after a payment • Print receipts on Bluetooth and network thermal printers KNOW WHAT IS YOURS • Home dashboard: what is left after taxes, the VAT, IRS and Social Security to set aside, and who still owes you • VAT exemption assistant: turnover against the 15.000€ Article 53 limit, with a warning before you cross it • Tax calendar with every deadline that applies to you • Notices, fines and divergências from Portal das Finanças in one inbox • Social Security, IRS, VAT and Recapitulativa declarations, with reminders when the filing window opens EXPENSES AND FINANCES • Expenses synced from e-Fatura, with IRS and VAT deductions summarised • Connect your bank and see accounts and transactions in one place HELP AT ANY TIME • AI tax bot: ask anything about your taxes and invoices, 24/7 • In-app chat with the FIZ team • Fiscal Shield on eligible plans: protection up to 1.500€ per declaration FOR YOUR TEAM • Invite your accountant or staff with ready-made access levels • Run several businesses from one account Available in Portuguese, English, Spanish, French, Ukrainian and Russian. Light and dark theme, PIN and biometric login. Less paperwork. More life.

ifthenpay – Simple and Secure Payments for Your Business This application is exclusive to ifthenpay clients. If you are not yet our client, please contact us to subscribe to the service. With the ifthenpay app, companies, online stores, schools, clubs, associations, and municipalities can issue Multibanco References, Payshop, MB WAY, Google Pay, Apple Pay, Cofidis Pay, or Pix, allowing payments through various digital and physical channels. Main features: Generation of Multibanco and Payshop References Sending MB WAY payment requests Sending payment references via SMS, email, QR Code, and more Generation of payment links using Pay By Link and Pinpay Creation of QR codes for payment with PAY.ME Dynamic Multibanco references with defined validity Real-time payment notifications Access to payment history and graphical analysis Access to contract data Validation of event entries via form registration Multi-user Multi-company Benefits: 24/7 payment availability No cost to the end user Same cost for the seller, regardless of the payment method chosen by the customer Immediate notifications after payment Secure, reliable, and widely used payment methods Customer data protection Reduced payment deadlines Lower administrative costs and effort Checkout completed on the seller’s website, with no redirections Supported payment channels and methods: Multibanco terminals Payshop locations (over 4,000 in Portugal) Homebanking Bank cards, with over 19 million MB cards in circulation, 98% co-branded with Visa, Mastercard, or American Express MB WAY Google Pay Apple Pay Cofidis Pay Pix (Brazil) Physical and virtual POS terminals Mobile phones with banking apps How it works: 1. Generate the payment reference or link through the app 2. The customer selects the desired channel and completes the payment: Multibanco, Payshop, Homebanking, MB SPOT, mobile phone, credit card, POS terminal, MB WAY, Google Pay, Apple Pay, Cofidis Pay, or Pix 3. After payment, you receive real-time confirmation 4. ifthenpay transfers the received amounts daily, deducting the service fee 5. A monthly invoice/receipt is sent, including a payment statement and transfer confirmations About ifthenpay: ifthenpay, Lda. Payment Institution authorized and supervised by the Bank of Portugal (Registration No. 8707) VAT Number: 510 450 024 Share capital: €1,105,188.12 Rua S. José, no. 771, 4535-404 Santa Maria de Lamas Phone: +351 227 660 871 or 808 222 777 Email: suporte@ifthenpay.com Website: www.ifthenpay.com