Run your business
smarter and faster,
all in one app
From POS and invoicing to team finance and payments iO gives SMEs and enterprises a complete, AI-powered business management platform
iO Portal
The Enterprise Workspace for Collaborative Financial Operations
Full business dashboard for enteprises. Manage finance, team, and reports from a portal
Everything your business needs in one solution
From first sale to team management and embedded payments. iO Business covers the full operational lifecycle of an SME
Sales and Operations
iO become a complete business operations hub. Manage products, run POS transactions, track stock, and handle all payment types without expensive or complex software.
- Integrated POS - predefined items, sell & base price, stock tracking
- Stock Management - real-time inventory levels and alerts
- Custom Receipt & Print - branded receipts with your logo
- All Payment Types - cash, QRIS, card, VA, pay-later
- Open Bill & Invoice - create, edit, send, track payment
- Amount Adjustment - discounts, tips, fees on any entry
Collaborative and Transparent
Give every team member a role in your financial operations. Share business pockets with staff, manage reimbursements, advance payments, and petty cash all with real-time visibility and role-based control.
- Shared Business Pockets - per branch, per team, per project
- Role Permissions - Admin, Collaborator, Viewer access
- Employee Reimbursement - from submission to approval
- Employee Loan - record and track staff advance payments
- Petty Cash & Advance - monitor operational cash flow
- Sales Team Monitoring - real-time across all branches
From data to decisions
Turn your business transactions into real intelligence. iO generates visual reports, summaries, and AI-powered insights helping you understand performance and make smarter decisions without an accountant.
- Business Overview Dashboard - revenue, cost, profit at a glance
- AI Business Insights - ino spots trends and anomalies
- Downloadable Reports - CSV, Excel per pocket
- P&L Report Templates - multi-template advance reports
- Target & Budget per Pocket - per branch or per team
- Multi-Branch & Asset Comparison - who performs best
Built In inside iO
Accept digital payments directly through iO: QRIS, Visa, Mastercard, Virtual Account. Connect your bank account to your business pocket for automatic settlement. Access loans and insurance powered by banking partners.
- Accept Online Payment - QRIS, card, VA, payment link
- Linked Bank Pocket - auto-settlement to your account
- Financial Account Opening - seamless from iO app
- Business Loan Access - apply through iO, powered by banks
- Business Insurance - recommended by ino AI
- Access to other financial services - seamless from iO ecosystem
All iO Business features
designed for growth
Built for SMEs, entrepreneurs, and team runners. Every feature designed for real business operations
POS & Sales Operations
Integrated POS
Record sales (cashier mode) and track in one iO system
Quick Entry
Record transactions quickly with predefined POS items
Manual Entry
Full-detail entry with category, notes, attachments
Record Sales via ino AI
Create sales records using simple chat or voice
Multi Business Pockets
Separate pcokets by purpose, branch, or operation
Items Management
Organize products, pricing, stock, and item details easily
Stock Management
Monitor and manage inventory in real time
Amount Adjustment
Set discount, tip, or service fee
Item Type & Search
Quickly find and add items during sales
Sell Price & Base Price
Track item costs and profit margins
Custom Receipt
Create branded receipts for your business
Print & Share Receipt
Instantly print via bluetooth or share receipts (i.e to WA)
Open Bill / Draft
Save unfinished transactions before finalizing them
Shared Items / SKUs
Access items together across shared business pockets
Flexible Quantity Input
Supports quantity-based calculations like by weight
Multi Currency POS
Accept and manage sales in multiple currencies pockets
Bulk Entry upload
Upload iO excel template to create multiple entry at one go
Bulk Items/SKU Upload
Upload items in bulk via iO Portal
Pay Supplier Reminder
Get reminders for upcoming supplier payments
AI Receipt Scan
Scan vendor receipts to auto-log expenses
Multi Branches Support
Manage mult branches using separate business pockets
Bank Statement Upload
Upload bank statements to track business transactions
Label with Automation
Use smart labels to trigger auto actions and workflows
Set Target Budget
Set and track financial goals together
Business Pocket Chat
Communicate and collaborate directly inside each pocket
Asset Monitoring
Track and Monitor business assets with dedicated pockets
Full Expenses Tracking
Track and manage all business expenses in separated pockets
Multi Device Support
Access and manage across multiple devices
Invoice & Billing
Create Bill / Invoice
Create and send bills or invoices with ease
Send to Email or iO
Share invoice to anyone via email, or to iO for iO users
Send Link to Whatsapp
Share invoice link to whatsapp or any platform
PDF Invoice
Generate professional invoices in PDF format
Multiple Recipients
Send bills or invoices to multiple recipients at once
Set Recurring Bill
Automate recurring bills and payment reminders
Customer Payable
Track outstanding customer payments and unpaid invoices
Payment Tracking
Monitor invoice status and payment progress in real time
Favorite Contacts
Save and access favorite contacts for bill
Branded Invoice
Customize invoices with your branding
Bill/Invoice Tag
Add tags for faster search and easier identification
Image Attachment
Attach images and supporting documents to invoices/Bills
Payments & Collection
Cash & Changes
Auto-calculate change from cash payment
Custom Payment Method
Add your accepted payment options
Payment Link
Generate and share payment links instantly
Payment Confirmation
Confirm payments by recipient and attach proof easily
QR Payment
Accept QRIS from any Indonesian e-wallet or bank
Card Payment (Visa/MC)
Accept Visa and Mastercard debit/credit card payments
Virtual Account (VA)
Accept payment via bank virtual account
Other Online Payment
Accept online payments through partnered providers
Team Finance & Collaboration
Shared Business Pockets
Collaborate and manage business finances together
Shared Items & Stocks
Access items together across shared business pockets
Chat at Pocket
Chat and collaborate directly within each pocket
Entry Comments
Discuss and collaborate directly on each entry
Role Permissions
Assign Admin, Collaborator, or Viewer access
Sales Team Monitoring
Track sales performance across your team in real time
Split Commission
Split income commissions with team members or partners
Balance Adjustment
Auto-create an opposite entry to correct balances
Attendance Logging
Record clock-in and clock-out with IN/OUT entries
Reimbursement
End-to-end employee expense claims
Petty Cash & Advance
Manage operational cash flows securely
Employee Loan / Kasbon
Track staff salary advances and loans
Business Insight & Reports
Business Overview
Dashboard for revenue, cost, and profit
AI Business Insights
Ino AI spots trends and financial anomalies
Downloadable Reports
Export data as CSV or Excel anytime
Items Insights
Analyze best-selling products and margins
Target & Budget
Monitor performance against financial goals
Categorized In/Out recap
Clear breakdown of all cash flows
Advance Reports
Customizable P&L and operational reporting
Ask Ino AI for Business
Query your financial data conversationally
Embedded Financial Services
Linked Pocket to Wallet
Connect directly to e-wallets
Linked Pocket to Bank
Auto-settlement to your bank accounts
Account Opening
Open new business accounts seamlessly
Bank as a Service
Access banking features directly in iO
Access to Financing
Apply for business loans and working capital
Access to Investment
Grow idle cash with business investment tools
Access to Insurance
Protect your assets with business insurance
Financial Services
A growing ecosystem of embedded finance