PactTax - UK Accounting, VAT, Payroll and Making Tax Digital

Bookkeeping, invoicing, VAT, payroll, CIS, and tax returns - all from one double-entry ledger, in plain English. PactTax is a UK accounting and tax SaaS platform that scales from sole traders and landlords through growing SMEs, limited companies, accountant practices, and mid-market groups, all on the same data with no migration needed as your business grows.

Built for Making Tax Digital from day one. Digital records are kept the way HMRC expects, with quarterly updates, VAT returns, and year-end declarations prepared directly from your books.

1. Connect your bank - Secure, read-only open banking brings in the last 12 months of transactions and keeps them up to date.
2. Sort in seconds - Swipe to mark business or personal. AI-powered category suggestions learn your merchants, so every quarter takes less time.
3. Review and file - See exactly what will be sent, line by line, before anything goes to HMRC. No exporting, no re-keying, no copying figures into another system.

• Bookkeeping - Bank feeds, smart categories, receipt capture, and rules built on an immutable double-entry ledger. Corrections are made by reversal, giving you a complete audit trail.
• Invoicing and E-invoicing - Send invoices, chase payments, and match them automatically. Peppol BIS Billing 3.0 e-invoicing is included for Business Plus plans and above.
• Making Tax Digital for Income Tax - Quarterly updates and the year-end declaration, ready for the April 2026 mandate.
• VAT Returns - Nine-box returns generated from records you have already sorted, with support for groups, reverse charge, and margin schemes.
• Payroll - Full RTI suite (FPS/EPS), statutory pay, pensions and auto-enrolment, benefits in kind, Employment Allowance, IR35, and an employee portal.
• CIS - Subcontractor deductions and monthly CIS300 returns.
• Company Accounts and Corporation Tax - Annual accounts and CT600 with an owned iXBRL engine, plus Companies House filing and confirmation statements.
• Reports - Profit and loss, tax estimates, cash-flow insight, and a report builder with scheduled board packs.

• Sole traders - Freelancers, contractors, and tradespeople who want books and tax handled without learning accounting.
• Landlords - Rental income and property expenses kept per property and separate from personal spending.
• Limited companies - Payroll, VAT, annual accounts, and Corporation Tax for small companies and their directors.
• Accountants and bookkeepers - Multi-client practice hub with adjusting journals, lock dates, and read-only client access.
• Growing and mid-market businesses - Dimensions (department, project, location), multi-entity consolidation, approval workflows, segregation of duties, budgets, and group close orchestration.

Powered by Amazon Bedrock, the PAM assistant proposes category suggestions, reconciliation matches, and journal anomaly detection. Every AI action is a read-only proposal that requires your approval - reasons and confidence are shown, and everything is logged and reversible.

• Read-only bank access - PactTax never moves your money. You pay HMRC directly, as always.
• UK data protection - Hosted on AWS eu-west-2 (London) with data at rest in the UK region. Sensitive data is encrypted, and your records are exportable whenever you need them.
• Immutable audit trail - Hash-chained journals with write-once anchoring ensure tamper evidence.
• Enterprise controls - Custom RBAC, MFA policy, SSO/SCIM, four-eyes approval on high-risk actions, and time-boxed auditor access.

PactTax runs on AWS eu-west-2 (London) using Aurora PostgreSQL, Amazon Bedrock with EU inference profiles, Amazon Bedrock AgentCore, Amazon Cognito, and Amazon SES.

HMRC REST APIs, Companies House XML Gateway, TrueLayer (Open Banking), Stripe, Peppol via Storecove, NEST and The People's Pension, plus guided migration from Xero, QuickBooks Online, Sage, and FreeAgent. A public REST API with OAuth 2.0, TypeScript, and Python SDKs is available on Enterprise plans.

Multi-tier subscription plans cover sole traders through large enterprises, with AI included in every plan. Free 14-day trial available with no accounting degree required.