# OCTA — AI-Powered Finance Automation > OCTA is an AI-powered finance automation platform for businesses and accounting firms. Founded in the UAE, OCTA is a global product now expanding across the US market and serving customers worldwide. OCTA replaces manual finance operations with autonomous AI agents that collect payments, process invoices, reconcile accounts, and manage client work — without human follow-up. Trusted by 500+ companies to reduce Days Sales Outstanding (DSO) by up to 40% and accelerate cash flow. OCTA has two products: OCTA Core (for finance teams at SMEs and enterprises) and OCTA Flow (for accounting and audit firms). Both are live and in production. --- ## Product 1: OCTA Core OCTA Core is an AI finance operations platform for CFOs, controllers, AR managers, AP managers, and finance teams. It automates the full cycle from contract to cash. ### What OCTA Core Does **Accounts Receivable Automation** AI agents send multi-channel payment reminders across email, WhatsApp, and SMS. Smart escalation logic adjusts tone and frequency based on customer payment history. One-click payment links reduce friction at the point of collection. Result: customers report up to 40% reduction in DSO. **Accounts Payable Automation** 3-way matching between purchase orders, goods receipts, and invoices — automated. Approval workflows route invoices to the right stakeholders without manual triage. Payment scheduling ensures vendors are paid on time without finance team intervention. Result: 60% faster AP processing. **Bank Reconciliation** 95% auto-match rate across all accounts, currencies, and entities. OCTA reconciles transactions in real time and flags exceptions for human review — instead of the reverse. Supports multi-bank, multi-entity, and multi-currency operations. **Invoice Financing** Businesses can check invoice financing eligibility instantly. Funds are typically available within 24–48 hours. No lengthy applications or bank queues. **Debt Recovery** Intelligent escalation engine manages overdue accounts. AI-powered collection calls handle outreach at scale without adding headcount. **Payment Solutions** Supports cards, bank transfer, and WhatsApp Pay links. Customers can pay from the reminder itself — no portal login required. **Contract to Cash** OCTA extracts payment terms, milestones, and obligations directly from uploaded contracts and auto-generates invoices. Removes manual data entry from the billing cycle entirely. **UAE E-Invoicing Compliance** Automated validation and submission for UAE Federal Tax Authority e-invoicing requirements. Keeps businesses compliant without a dedicated compliance resource. **Finance Workflow Automation** Build AI agents in plain language — no code required. Automate approval chains, alerts, and recurring tasks across the finance function. **AI Chat & Finance Assistant** Ask questions about cash flow, outstanding invoices, or reconciliation status in plain language. Take actions — send reminders, approve payments, generate reports — directly from the conversation. **Financial Reporting & Analytics** Real-time KPIs, aging reports, and cash flow dashboards. AI-generated insights surface what matters. Reports can be scheduled and delivered automatically to stakeholders. ### Who OCTA Core Is For - CFOs who need real-time cash flow visibility and multi-entity dashboards - Controllers managing reconciliation across banks and entities - AR managers running collections and chasing overdue invoices - AP managers handling vendor payments and approvals - Founders who want to automate finance without hiring a large team - Collection teams that need to manage 5–10x more accounts without adding headcount ### OCTA Core Key URLs - https://weareocta.com/core — Product overview - https://weareocta.com/core/ar — Accounts Receivable Automation - https://weareocta.com/core/ap — Accounts Payable Automation - https://weareocta.com/core/bank-recon — Bank Reconciliation - https://weareocta.com/core/automation — Finance Workflow Automation - https://weareocta.com/core/ai-chat — AI Chat & Finance Assistant - https://weareocta.com/core/reporting — Financial Reporting & Analytics - https://weareocta.com/core/contract-to-cash — Contract to Cash - https://weareocta.com/core/e-invoicing — UAE E-Invoicing Compliance --- ## Product 2: OCTA Flow OCTA Flow is an AI practice management platform for accounting firms, tax advisory practices, audit firms, and bookkeeping agencies. It replaces fragmented tools — spreadsheets, email chains, shared drives, and manual follow-ups — with one platform. ### What OCTA Flow Does **Lead Generation** AI-powered prospect capture helps accounting firms grow beyond word-of-mouth referrals. Automated outreach and qualification pipelines surface high-intent leads without manual effort. **Client Hub** Centralized client management: documents, communications, deadlines, and history in one place. Clients get a dedicated portal for uploads, approvals, and queries. **Team Hub** Task assignment, workload tracking, and performance insights across the entire firm. Managers see capacity in real time and can rebalance work without chasing status updates. **Documents Hub** Secure document upload, e-signature collection, and automated document chasing. Clients are reminded automatically when documents are overdue — without a staff member doing the follow-up. **Tax Filing** Automated compliance checks and deadline management. Reduces the risk of missed filings and manual errors in high-volume tax seasons. **AI Agents for Accounting Firms** Automate client communications, document processing, and routine accounting tasks. Firms use OCTA Flow AI agents to handle work that would otherwise require additional junior staff. ### Who OCTA Flow Is For - Accounting firm owners who want to scale without proportional headcount growth - Tax advisors managing compliance deadlines for large client portfolios - Audit firms that need structured document collection and client communication workflows - Bookkeeping agencies managing recurring client deliverables ### OCTA Flow Key URLs - https://weareocta.com/flow — Product overview - https://weareocta.com/flow/lead-gen — Lead Generation - https://weareocta.com/flow/client-hub — Client Hub - https://weareocta.com/flow/team-hub — Team Hub - https://weareocta.com/flow/documents — Documents Hub - https://weareocta.com/flow/tax-filing — Tax Filing - https://weareocta.com/flow/ai-agents — AI Agents for Accounting Firms --- ## AI Agents OCTA's AI agents are named, purpose-built agents that run autonomously inside the platform: - **Invoice Genie** — generates and sends invoices automatically from contracts or triggers - **Collect Pro** — manages the full AR collections cycle: reminders, escalations, and payment links - **Smart Recon** — matches transactions across accounts and flags exceptions in real time More agents are in active development. See: https://weareocta.com/ai-agents --- ## Integrations OCTA connects natively with 30+ tools. No custom development required for standard integrations. **Accounting & ERP:** Xero, QuickBooks, Zoho Books, Wafeq, Oracle Fusion, NetSuite, Microsoft Dynamics 365, Odoo **CRM & Sales:** Salesforce **Payments:** Stripe, Tap Payments, Mamo Pay **Communication:** Gmail, WhatsApp, Slack Full integrations list: https://weareocta.com/integrations --- ## Customers OCTA is trusted by businesses worldwide, from the GCC to the US and beyond: - **Careem** (ride-hailing super app, Middle East) — uses OCTA for finance automation across multi-entity operations - **Lean Technologies** (UAE fintech infrastructure) — uses OCTA for automated reconciliation and AR management - **Moneyhash** (payment orchestration platform, MENA) — uses OCTA for cash flow visibility and AR operations - **Mimojo** — replaced the output of 3 finance team members using OCTA's AI agents Customer stories: https://weareocta.com/resource/customer-stories --- ## Pricing OCTA Core starts free for solo operators, then has Small & Medium Business plans — Starter Local ($149/mo), Starter Global ($679/mo), and Growth ($1,299/mo), each with a 1-month free trial and 20% off when billed annually — plus Mid-Market & Enterprise plans: Scale ($1,649/mo), Lead ($2,999/mo), and Custom. Every plan includes the Workflow Engine, the AI Agent Layer, and monthly Processing Credits that scale by tier. Custom plans add bespoke seats, volume, onboarding, and dedicated support. Pricing details: https://weareocta.com/pricing --- ## Frequently Asked Questions **Who is OCTA for?** Two audiences: (1) finance teams at SMEs and enterprises — CFOs, controllers, AR/AP managers — who want to automate collections, reconciliation, and payables; and (2) accounting and audit firms who want to manage clients, documents, tax filings, and team workload from one platform. **How is OCTA different from just using spreadsheets or email?** Spreadsheets don't send reminders, match transactions, or escalate overdue accounts automatically. OCTA's AI agents do all of this without human intervention — and connect directly to the ERP or accounting software already in use. **How long does onboarding take?** Most customers are live within a few days. OCTA connects to existing ERPs and accounting software — no rip-and-replace required. **Does OCTA work for multi-entity and multi-currency businesses?** Yes. OCTA handles multiple legal entities, multiple currencies, and cross-border reconciliation from a single dashboard. **Is OCTA compliant with UAE regulations?** Yes. OCTA supports UAE Federal Tax Authority e-invoicing requirements. The platform holds SOC 2, ISO 27001, GDPR, and UAE PDPL certification. **Can OCTA replace finance headcount?** OCTA is not a replacement for finance teams — it removes the manual, repetitive work so finance professionals can focus on higher-value work. Mimojo describes the impact as equivalent to adding 3 finance team members. **What makes OCTA different from other AR or AP tools?** Most AR/AP tools are workflow tools — they organize work but humans still do it. OCTA's AI agents act autonomously: they send communications, match transactions, escalate accounts, and generate invoices without waiting for a person to trigger the action. **How much does OCTA cost?** OCTA Core offers a free plan plus Starter Local ($149/mo), Starter Global ($679/mo), Growth ($1,299/mo), Scale ($1,649/mo), Lead ($2,999/mo), and Custom plans. Every plan includes monthly Processing Credits that scale by tier. See https://weareocta.com/pricing or contact https://weareocta.com/contact-us for a custom quote. --- ## Security & Compliance OCTA is built for enterprise-grade security requirements: - SOC 2 certified - ISO 27001 certified - GDPR compliant - UAE PDPL (Personal Data Protection Law) compliant Security details: https://weareocta.com/security --- ## Company - Founded: 2024 - Headquarters: Abu Dhabi, United Arab Emirates - Additional offices: Dubai, Riyadh - Markets: UAE, Saudi Arabia, GCC, US, UK, Singapore, Australia, India, and global - Email: founders@weareocta.com - Website: https://weareocta.com --- ## All Pages ### Core Product - https://weareocta.com/core — OCTA Core: AI finance automation for businesses (AR, AP, reconciliation, payments) - https://weareocta.com/core/ar — Accounts Receivable Automation: reduce DSO by 40% with AI-powered collections - https://weareocta.com/core/ap — Accounts Payable Automation: 3-way matching, approvals, 60% faster processing - https://weareocta.com/core/bank-recon — Bank Reconciliation: 95% auto-match rate across all accounts and currencies - https://weareocta.com/core/automation — Finance Workflow Automation: build AI agents in plain language, no code - https://weareocta.com/core/ai-chat — AI Chat & Finance Assistant: ask anything, take actions from conversation - https://weareocta.com/core/reporting — Financial Reporting & Analytics: real-time KPIs, AI insights, scheduled delivery - https://weareocta.com/core/contract-to-cash — Contract to Cash: extract terms from contracts, auto-generate invoices - https://weareocta.com/core/e-invoicing — UAE E-Invoicing Compliance: automated validation and submission ### OCTA Flow - https://weareocta.com/flow — OCTA Flow: AI practice management for accounting and audit firms - https://weareocta.com/flow/lead-gen — Lead Generation: grow accounting firm beyond referrals with AI - https://weareocta.com/flow/client-hub — Client Hub: centralized client management and document portal - https://weareocta.com/flow/team-hub — Team Hub: task assignment, workload tracking, performance insights - https://weareocta.com/flow/documents — Documents Hub: secure upload, e-signatures, automated chasing - https://weareocta.com/flow/tax-filing — Tax Filing: automated compliance and deadline management - https://weareocta.com/flow/ai-agents — AI Agents for Accounting Firms: automate client work and routines ### AI Agents & Integrations - https://weareocta.com/ai-agents — Meet OCTA's AI Agents: Invoice Genie, Collect Pro, Smart Recon - https://weareocta.com/integrations — 30+ Integrations: Xero, QuickBooks, Zoho, Wafeq, Oracle, NetSuite, Stripe, WhatsApp ### Use Cases - https://weareocta.com/use-cases/cfos — OCTA for CFOs: real-time cash flow, 40% DSO reduction, multi-entity dashboards - https://weareocta.com/use-cases/founders — OCTA for Founders: automate finance without hiring, invoice financing in 4 hours - https://weareocta.com/use-cases/accountants — OCTA for Accountants: practice management and AR automation as a service - https://weareocta.com/use-cases/collection-teams — OCTA for Collection Teams: AI agents that manage 5-10x more accounts ### Comparisons - https://weareocta.com/comparisons — OCTA vs Alternatives: honest software comparisons - https://weareocta.com/comparisons/octa-vs-manual-ar — OCTA vs Manual AR: automation vs spreadsheets - https://weareocta.com/comparisons/octa-vs-spreadsheets — OCTA vs Spreadsheets: why finance teams switch - https://weareocta.com/comparisons/best-ar-software-smes — Best AR Software for SMEs 2026: buyer's guide - https://weareocta.com/comparisons/octa-vs-invoice-factoring — OCTA Invoice Financing vs Traditional Factoring ### Resources & Content - https://weareocta.com/resource/blogs — Blog: AI finance automation insights, product updates, best practices - https://weareocta.com/resource/customer-stories — Customer Stories: Careem, Lean Technologies, Moneyhash, Mimojo - https://weareocta.com/resource/insights — Insights: finance automation trends and AI research - https://weareocta.com/resource/accounting-glossary — Accounting Glossary: 200+ finance terms defined - https://weareocta.com/knowledge-base — Knowledge Base: 4,700+ expert-written finance and accounting articles - https://weareocta.com/glossary — Finance & AR Glossary: DSO, reconciliation, dunning, and more defined - https://weareocta.com/changelog — Changelog: every OCTA product update and new feature ### Company - https://weareocta.com/ — Homepage: AI-powered finance automation for AR, AP, collections, reconciliation - https://weareocta.com/pricing — Pricing: free plan plus Starter Local, Starter Global, Growth, Scale, Lead, and Custom plans - https://weareocta.com/security — Security: SOC 2, ISO 27001, GDPR, UAE PDPL compliance - https://weareocta.com/handbook — Handbook: OCTA's culture, mission, and how we work - https://weareocta.com/bts — Behind the Scenes: how OCTA thinks and builds - https://weareocta.com/press-releases — Press: company news, funding, and announcements - https://weareocta.com/contact-us — Contact: talk to the OCTA sales team ### SME Hub - https://weareocta.com/sme-hub/investors — Investor Directory: 2,000+ VCs, angels, and growth funds - https://weareocta.com/sme-hub/accounting-firms — Accounting Firms Directory: 9,500+ firms in UAE and Saudi Arabia - https://weareocta.com/sme-hub/experts — Expert Insights: business growth, marketing, and finance - https://weareocta.com/sme-hub/inspirations — Founder Stories: real journeys from entrepreneurs - https://weareocta.com/sme-hub/partnerships — Partnership Programs: exclusive offers for founders ### Expert Stories (SME Hub) - https://weareocta.com/sme-hub/experts/expert-story-digital-marketing-rafay — Mastering Digital Growth: Strategies, Pitfalls, and the Future of AI-Driven Marketing for SMBs - https://weareocta.com/sme-hub/experts/expert-story-3 — From EY to Invygo: Sameh Sabri on Building Financial Operations for Growth - https://weareocta.com/sme-hub/experts/expert-story-2 — Mastering Media & Storytelling: Insights from Zeena Zalamea - https://weareocta.com/sme-hub/experts/ahmed-wahba-designing-success-in-startups-and-b2-b-products — Ahmed Wahba on Designing Success in Startups and B2B Products - https://weareocta.com/sme-hub/experts/expert-story-1 — Expert Insights on Business Growth and Finance - https://weareocta.com/sme-hub/experts/tactical-approaches-to-customer-acquisition-retention-and-product-led-success — Tactical Approaches to Customer Acquisition, Retention, and Product-Led Success - https://weareocta.com/sme-hub/experts/implementing-crm-and-marketing-automation-from-zero-to-one — Implementing CRM and Marketing Automation from Zero to One ### Founder Stories (SME Hub) - https://weareocta.com/sme-hub/inspirations/from-wood-to-rhythm-how-chad-turned-drum-making-into-a-global-craft — From Wood to Rhythm: How Chad Turned Drum-Making into a Global Craft - https://weareocta.com/sme-hub/inspirations/from-chaos-to-clarity-how-rohan-karnataki-is-reshaping-the-event-tech-industry — From Chaos to Clarity: How Rohan Karnataki is Reshaping the Event Tech Industry - https://weareocta.com/sme-hub/inspirations/from-licensing-powerhouses-to-legal-simplicity-the-story-behind-ation-law — From Licensing Powerhouses to Legal Simplicity: The Story Behind Ation Law - https://weareocta.com/sme-hub/inspirations/from-barista-to-purpose-led-founder-maria-pavani-s-journey-with-tres-marias — From Barista to Purpose-Led Founder: Maria Pavani's Journey with Tres Marias - https://weareocta.com/sme-hub/inspirations/from-football-to-founding-how-dimitrios-kalaitzidis-is-building-a-platform-to-bridge-opportunity-gaps — From Football to Founding: Dimitrios Kalaitzidis Building a Platform to Bridge Opportunity Gaps - https://weareocta.com/sme-hub/inspirations/from-oil-and-gas-to-global-impact-why-sachin-shukla-built-updeed — From Oil and Gas to Global Impact: Why Sachin Shukla Built Updeed - https://weareocta.com/sme-hub/inspirations/from-skin-struggles-to-skincare-startup-how-jilna-shah-built-throda-with-purpose — From Skin Struggles to Skincare Startup: How Jilna Shah Built Throda with Purpose - https://weareocta.com/sme-hub/inspirations/from-500-to-2-500-shows-anthony-abou-antoun-s-mission-to-redefine-entertainment-in-the-middle-east — From 500 to 2,500 Shows: Anthony Abou Antoun's Mission to Redefine Entertainment in the Middle East - https://weareocta.com/sme-hub/inspirations/from-freight-to-fintech-how-sultan-bandar-pivoted-trell-to-solve-cash-flow-challenges-in-logistics — From Freight to Fintech: How Sultan Bandar Pivoted Trell to Solve Cash Flow Challenges in Logistics - https://weareocta.com/sme-hub/inspirations/bridging-healthcare-with-tech-shahid-khan-s-journey-with-doctak-net — Bridging Healthcare with Tech: Shahid Khan's Journey with Doctak.net - https://weareocta.com/sme-hub/inspirations/from-jet-parcel-to-ship966-redefining-logistics-with-precision-and-purpose — From Jet Parcel to Ship966: Redefining Logistics with Precision and Purpose - https://weareocta.com/sme-hub/inspirations/leading-change-with-purpose-lubna-naeem-s-journey-from-healthcare-to-entrepreneurship — Leading Change with Purpose: Lubna Naeem's Journey from Healthcare to Entrepreneurship - https://weareocta.com/sme-hub/inspirations/creativity-is-a-system-how-jovanka-dorovic-builds-brands-that-last — Creativity is a System: How Jovanka Dorovic Builds Brands That Last - https://weareocta.com/sme-hub/inspirations/building-ai-for-construction-hashim-basheer-s-journey-with-zaper-inc — Building AI for Construction: Hashim Basheer's Journey with Zaper Inc - https://weareocta.com/sme-hub/inspirations/from-freelance-gigs-to-building-a-successful-software-agency-the-journey-of-hamza-khan — From Freelance Gigs to Building a Successful Software Agency: The Journey of Hamza Khan - https://weareocta.com/sme-hub/inspirations/jessia-lloyd-building-re-align-to-revolutionize-healing-and-ai — Jessia Lloyd: Building Re-Align to Revolutionize Healing and AI ### Insights (Whitepapers) - https://weareocta.com/resource/insights/finance-compliance-and-risk-management — Finance Compliance and Risk Management - https://weareocta.com/resource/insights/the-ai-powered-cfo — The AI-Powered CFO - https://weareocta.com/resource/insights/reducing-dso-by-40 — Reducing DSO by 40% - https://weareocta.com/resource/insights/the-modern-collection-playbook — The Modern Collection Playbook - https://weareocta.com/resource/insights/ai-vs-traditional — AI vs Traditional Finance Automation - https://weareocta.com/resource/insights/benchmark-report-2024 — Finance Benchmark Report 2024