Sell with a link
Send one payment link by email, message or social media. Customers can pay for your products or services without you building a website.
Early access · 20 eurozone countries
Automate all your payments with AI.From request to receipt.
Payment requests, direct debits and invoices — matched to your bank account automatically.
PricingEvery transfer matched, no spreadsheet
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Know who has paid.
See what is still outstanding.
Follow up automatically.
Never chase a payment again
Sail asks for the money, watches the bank for it, matches every transfer and issues the certified invoice. You only see what still needs a decision.
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Ask one payer, or a hundred
One request or one ask to a whole group, with exceptions per payer and any repeat schedule. Each payer gets a link to pay by bank transfer with a reference and QR code, or by card or MB WAY.
- 02
Every transfer matched
Transfers are reconciled to the right request on their own; card, MB WAY and direct-debit payments arrive with Stripe's fee and payout matched. Shortfalls, late payments and undelivered emails stay visible until they're settled.
- 03
Invoices issue themselves
An AT-certified invoice or receipt the moment the money lands, ATCUD and QR code included, emailed to the customer. The monthly SAF-T file is one click away.
- 04
Monthly fees by direct debit
One SEPA mandate per customer. Bill on the day you choose, collect on the debit day, and send a payment link when a debit fails.
- 05
Every bank in one view
Connect the accounts you already have. One balance, one search, every transaction labelled automatically.
- 06
Your team, your cash flow
Invite team members with exactly the access they need, and see what is due, what is late and what is coming.
Let customers pay their way
Card, MB WAY or Apple Pay. A simple checkout on their phone or computer, with no Sail account needed.
From checkout to paid
Your customer confirms the payment and sees it succeed. No screenshots, payment proofs or extra messages to exchange.
See every payment arrive
Sail updates the payment status automatically. See who has paid and what is still outstanding, in one place.
Meet your AI assistant
Your finances. Just ask.
Ask Sail what has been paid, what is overdue and what comes next. Turn the answer into a payment request or a customer update, right in the conversation.
- Get answers from your payments, invoices and bank activity.
- Prepare payment requests, manage customers and attach receipts in plain language.
- Review and approve changes before Sail carries them out.
Built into every plan. AI usage depends on your plan.
Prefer your own AI app? Connect it to Sail through MCP on Plus, Pro and Custom. It sees only what you allow, every change waits for your confirmation in Sail, and you can revoke it at any time. Your AI app’s own fees apply.
Example conversation: a person asks about outstanding payments. Sail replies with two overdue payments totalling €840 and two due this week totalling €360. The person asks Sail to email both overdue customers a payment request. Sail prepares separate emails with each customer’s payment link. The person reviews the emails and approves sending them. Sail confirms that two emails have been sent. This is an animated demonstration with fictional data; no emails are actually sent.
Sail assistant
Example conversation
Illustrative demo with fictional data. No action is performed.
Simple plans, monthly or annual
Every plan includes bank sync, payment requests and Sail’s built-in assistant. Certified invoicing is optional. Choose your monthly payment allowance, accounts, team size and AI usage. External AI connections through MCP start at Plus.
Basic
For one person getting paid by a handful of customers.
€10/ month
Billed monthly, cancel any time
- 100 payments collected a month
- 1 bank account
- 1 user
- 1,000 automated emails/month
- AI assistant · limited usage
- Optional certified invoicing: €5/month + €0.20/invoice
Plus
Most popularFor a small business collecting payments every week.
€30/ month
Billed monthly, cancel any time
- 500 payments collected a month
- 2 bank accounts
- You + 2 team members
- 5,000 automated emails/month
- AI assistant · fair usage
- External AI connections via MCP
- Optional certified invoicing: €4/month + €0.15/invoice
Pro
For teams with several accounts collecting every day.
€50/ month
Billed monthly, cancel any time
- 2,000 payments collected a month
- 3 bank accounts
- You + 3 team members
- 20,000 automated emails/month
- AI assistant · generous usage
- External AI connections via MCP
- Optional certified invoicing: €3/month + €0.10/invoice
Custom
Higher volumes, more accounts and seats, onboarding help.
Let's talk
Quoted per account
- Unlimited payments collected
- Unlimited bank accounts
- Unlimited team members
- Automated emails tailored to your volume
- AI assistant · unlimited usage
- External AI connections via MCP
- Optional certified invoicing tailored to your volume
Includes AT integration. Monthly fee applies while invoicing is enabled.
Prices exclude VAT, added on your plan and usage invoices at your country's rate.
Payment method fees · paid to Stripe
When a customer pays by card, Apple Pay, Google Pay, MB WAY or SEPA direct debit, Stripe collects it on the Stripe account set up in your name and deducts its standard rate before paying the rest out to your bank. Sail adds nothing on top and takes no share of your payments.
Visa and Mastercard
- European Economic Area consumer cards
- 1.5% + €0.25
Apple Pay
1.5% + €0.25European Economic Area consumer cards
Google Pay
1.5% + €0.25European Economic Area consumer cards
MB WAY
1.5% + €0.25SEPA Direct Debit
- Per successful debit
- €0.35
Stripe's published rates for Portugal, last checked 2026-10-03; rates in other countries may differ. Stripe may change them; the current list is at stripe.com/pt/pricing
Before you pay
Which countries can use Sail?
Sail is in early access in the 20 eurozone countries, and signup is open in all of them: your business's country sets the tax-id format and the country of your Stripe account. Payment requests, payment pages, bank sync, cards and direct debit and the assistant work everywhere. Certified invoicing and the VAT draft are live in Portugal only for now.
What happens when I reach my monthly allowance of payments?
Nothing stops. Every payment past it costs €0.05 on your next usage invoice, up to the cap, and the counter resets with the month. If it keeps happening, the next plan is cheaper than the overage, and switching takes one click.
Who charges me when a customer pays by card or direct debit?
Stripe does, from the payment itself, at its published rates, on the Stripe account set up in your name. The complete fee schedule is available in the app. The rest is paid out to your bank. Sail takes no share of your payments, and bank transfers never involve Stripe at all.
Can I make sure AI never adds to my bill?
Yes. Set your monthly AI cap to zero and the assistant stops at the tokens your plan includes. You can also run it on your own provider key, in which case Sail bills nothing for AI at all.
How is MCP different from Sail’s assistant?
Sail’s built-in assistant is included in every plan. MCP connects a compatible external AI app to the Sail data and management tools you authorise, within your existing permissions. Every change requires your confirmation in Sail, and you can revoke access at any time. MCP is included in Plus, Pro and Custom; Basic requires an upgrade. Your external AI app’s own charges apply, and MCP reads do not use your Sail assistant allowance.
Is VAT included?
No. Every price on this page excludes VAT, which is added on your plan and usage invoices — 23% IVA for a business in Portugal. A business elsewhere in the EU that gives its VAT number is billed under the reverse charge.
Can I cancel?
Any time, from your billing settings. A monthly plan ends at the end of the month, a yearly plan at the end of its year, and usage already incurred is billed on the final usage invoice.
Ready to stop chasing payments?
Book a demo and we'll show Sail on your own list of payments.