Comparison
Zettl and Fakturoid: invoicing, or matching Fio payments?
Fakturoid is above all an invoicing service: invoices, reminders and pairing incoming payments. Zettl is built to download the payments from your Fio account through the API every day and look for receipts and invoices for the outgoing ones. If invoicing is your main job, Fakturoid is the more natural fit; if you need a document for every Fio payment, Zettl is. They also work side by side.
How it works
You mostly invoice
Lots of issued invoices, reminders, payments from customers: that is what Fakturoid is built for.
You mostly pay
Lots of card and transfer payments from Fio for which your accountant wants a document: that is what Zettl is built for.
Both at once
You can keep invoicing in Fakturoid and use Zettl for Fio payments and received documents; you don't need Zettl's invoicing (Firma plan).
Moving to Zettl
If you want to invoice in Zettl, move your clients and invoices over from Fakturoid's XLSX export (Firma plan).
Fakturoid and Zettl side by side
Main job
- Fakturoid
- Invoicing: invoices with a QR code, reminders, payment pairing
- Zettl
- Fio payments and their documents: matching, what's missing, files for the accountant
How payments arrive
- Fakturoid
- From the e-mail notifications your bank sends; supports several Czech banks, Fio included
- Zettl
- Through the Fio API every day; Fio banka only
Older statements
- Fakturoid
- Does not support uploading bank statements
- Zettl
- GPC/ABO or CSV statement, no duplicates with the Fio API
Received documents
- Fakturoid
- Krabice na náklady: send the document by e-mail; AI extraction is a paid service
- Zettl
- The company's @zettl.cz address; AI reading is in the plan up to a monthly limit
For the accountant
- Fakturoid
- Invite the accountant; export to several accounting programs including Pohoda
- Zettl
- Invite the accountant; the month's documents as PDF, export for Pohoda (ZIP with XML), ISDOC, CSV
Trying it
- Fakturoid
- 30 days free; a free plan for up to 5 customers
- Zettl
- 14 days free, no card; then from 150 Kč a month
Good to know
- Zettl works only with Fio banka. With an account at another bank, Fakturoid, which supports more banks, is the better choice.
- Fakturoid states its prices including VAT; Zettl is not VAT registered, so its prices are final.
- Zettl does no bookkeeping and doesn't replace invoicing services; it prepares payments and documents for the accountant.
We checked the facts about Fakturoid on its public pages on 2026-11-03: fakturoid.cz, ceník, náklady, pro účetní, párování plateb s bankou.
Frequently asked questions
Short answers on this topic.
Can I use Fakturoid and Zettl at the same time?
Yes. You can keep issuing invoices in Fakturoid and use Zettl to download Fio payments and match them with received documents. The Start plan, which has no invoicing, is enough for that.
How do I move invoices from Fakturoid to Zettl?
Export your invoices and clients from Fakturoid to XLSX and load them into Zettl with the Fakturoid import. The import is part of the Firma plan.
My account is at a bank other than Fio. What makes sense for me?
Zettl only downloads payments from Fio banka, so with another bank it won't help you. According to its own pages, Fakturoid supports several Czech banks.
Read next
- Zettl or a spreadsheet?When a spreadsheet and matching by hand are enough, and when Zettl pays off. What Zettl does for you and what it doesn't.
- Matching payments with documentsZettl looks for the receipt or invoice for each Fio banka payment by amount, date and vendor. Whatever is left unmatched, you see at once.
- Fio API for bookkeepingHow to connect Fio banka with an API token: Zettl downloads your account movements every day and matches them with documents. Read-only, no right to send payments.