For accounting firms, auditors and CSPs in Malta

Your team has better work than chasing and filing client documents.

Before each deadline, Ziffa asks every client for exactly what it needs and reminds them on your schedule. Everything that arrives is checked, renamed and filed in the right client's folder, in the storage you already use.

See how it works →
How documents flow

Follow a document through Ziffa.

From scheduled request to filed and synced — documents are collected, checked, renamed and pushed into your tools. Nobody on your team touches a thing.

Sample client · ABC Ltd

December documents requested

  • Invoices
  • Receipts
  • Bank statement
Request emailed automatically

The request goes out on schedule.

Each deadline triggers a request for exactly the documents that client needs to send. Reminders follow on the days your firm chooses, until everything is in.

  1. 30 days before Send document request
  2. 14 days before Remind if anything is missing
  3. 7 days before Follow up on outstanding documents

Example schedule · your firm chooses the timing.

Email
forwarded or CC'd in
FW: bank statement.pdf
passport_photo.jpg
Upload link
no client login
invoice_final_v2_FINAL.pdf
Shared drive
SharePoint · Drive
john_scan0007.pdf

Ziffa requested these documents automatically — deadlines are created for each client from Maltese statutory requirements, and clients are chased until everything is in.

PDF FW: bank statement.pdf Bank statement
Extracted by Ziffa
Client
Document type
Period
Account ending
Period matches what was requested
All pages present and readable
✕ passport_photo.jpg — expiry date in the past
✉ Client emailed automatically with what to fix
Filed into the storage you already use
SharePointGoogle DriveDropboxZiffa Storage
ABC_Ltd/
Identity Verification/
John_Smith_Passport.pdf
Financial/2025/Dec/
ABC_BankStmt_Dec2025.pdf
Supplier_Invoices/
INV_2025_0041_MaltaSupplies.pdf

3 documents filed · 1 sent back automatically for a retake

Ziffa
Excel
Xero
Sage
MBR
Custom
Ziffa Templates
Ziffa Reports
Then the data goes to work

Every extracted field can be pushed straight into the tools you already run on — no re-keying.

Overheard in the office

Illustrative conversations
“Did we remind Mark Borg to send his invoices, receipts and bank statements?”
“Sarah, did you scan Camilleri Trading's invoices, or are they still on your desk?”

Documents land in the right folder, in the storage you already use.

Ziffa takes the chasing and filing, so your team can do the work clients pay for.

Today

Documents arrive from everywhere

  • Email attachments
  • WhatsApp photos
  • Shared folders
  • Paper on the desk
scan0042.pdfIMG_2231.jpegFINAL v2 (1).pdf
Ziffa

Every document goes through the same four steps

  1. Centralise

    One email address. Phone photos and scans work too.

  2. Recognise

    Invoices, statements, IDs and more.

  3. Check

    Dates, names, expiry and more.

  4. Rename

    Your naming rule, every time.

After

Filed in the client's folder, automatically

Camilleri Trading Ltd / VAT / 2025 / Q3

  • Invoice_Camilleri_2025_041.pdf
  • Receipt_Camilleri_2025_092.pdf
  • BankStatement_Camilleri_Sep2025.pdf

In your own Google Drive, SharePoint or Dropbox.

Every file where you expect it.

Same name format, right client folder, every time.

No new system to move to.

Files go straight into the Google Drive, SharePoint or Dropbox folders you already use.

Jobs that set themselves up.

Add a client's services and Ziffa sets up their recurring jobs, each with an owner and a view of what's still missing.

From a new client to a bill ready for review.

Follow one client through Ziffa — engagement, due diligence, scheduled jobs, document collection, filing, work and billing.

Illustrative workflows based on Ziffa's interface. Fictional client details.

01Add Client

Add your client.

One contact. One entity. The right services from the start.

Ziffa Clients / Add Client S
Add Client
  1. 1Contact
  2. 2Entity
  3. 3Services
  4. 4Review
CT
Camilleri Trading LtdMark Borg · Director
Prospect
Services
Bookkeeping · VAT
Monthly package
€250.00 + VAT
Client saved. Ready to prepare the engagement.
Review and save.
02Agree & Sign

Send it. Get it signed.

Your proposal or engagement letter, from the firm's template to a completed document.

Ziffa Clients / Engagement S
Proposal & engagement letter
PDFEngagement letterSigned
YOUR FIRM

Engagement letter

Dear Mark Borg,

We are pleased to provide bookkeeping and VAT services to Camilleri Trading Ltd.

Services
Bookkeeping · VAT
Monthly package
€250.00 + VAT
Mark BorgSigned digitally · Completion evidence saved
Signed PDF returned to Ziffa.Entity status: Pending Review
Follow it through.
Signing powered by Firma
  • eIDAS SES / AdES
  • GDPR
  • EU data residency

AWS infrastructure: SOC 2 Type II · ISO 27001

03Review & Activate

Review the client. Start the work.

Keep the due-diligence tools you already use.

Ziffa Clients / Entity S
Camilleri Trading Ltd
CT
Camilleri Trading LtdDemo registration · Mark Borg
Active
Client activated by your firm.The selected services now create the scheduled work.
Monthly accounting recordsBookkeeping · October 2026To Do
Prepare VAT returnVAT · QuarterlyTo Do
04Request & Track

Ask once. Ziffa does the chasing.

From the client's inbox to the job your team works on.

Camilleri Trading LtdDL-1042Deadline

Monthly accounting records

Status
To Do
Due date
2 Nov 2026
Assignee
Sarah
Budget
2.50 h
Logged
0.00 h
Service
Bookkeeping
Description

Collect the accounting records for October 2026.

Attachments

No attachments yet.

Choose filesNo file chosenAttach files
Your working files stay on this job.
Documents
Select documents…RequestUpload
Invoices28 Oct12
Receipts28 Oct8
Bank statements
Subtasks 0

No subtasks yet. Add one

AllComments 0Time logged
S

Sarah requested invoices, receipts and bank statements21 Oct · Document Requested

Bank statement still outstanding. Next reminder: 30 Oct.

05Read & Check

From a document to data you can use.

Ziffa reads each document, checks it and gets the details ready for your accounting software.

Ziffa Documents / Invoice S
Read & check
  1. Recognise
  2. Read
  3. Check
  4. 4Send
PDFINVOICE - CAMILLERI TRADING LTD - VELLA OFFICE SUPPLIES LTD - 21102026.pdfReady to use
Net
€100.00
VAT
€18.00
Total
€118.00
ZiffaChecked invoice data
Your accounting softwareSaved as a draft

Your team approves each draft before it's posted.

06File & Find

Filed where your team expects it.

The right client's folder, in the storage you already use.

Ziffa Connected storage / Google Drive S
Your client's folder
Google DriveYour firm's connected storage
Connected
Camilleri Trading Ltd
Bookkeeping
2026
October
  • INVOICE - CAMILLERI TRADING LTD - VELLA OFFICE SUPPLIES LTD - 21102026.pdf
  • Camilleri_Receipt_Oct2026.pdf
  • Camilleri_BankStatement_Oct2026.pdf
KYC
VAT
Named consistently. Filed in the right folder.In the storage your team already uses.
07Work & Log Time

Do the work. Log the time on the job.

Client documents, your team's working files and the time spent all sit on the same job.

Camilleri Trading LtdDL-1042Deadline

Monthly accounting records

Status
In Progress
Due date
2 Nov 2026
Assignee
Sarah
Budget
2.50 h
Logged
0.50 h
Service
Bookkeeping
Description

Check the invoice totals and obtain any missing supporting records.

Attachments
Review notes.txt101 bytes
Choose filesNo file chosenAttach files
Your working files stay on this job.
Documents
Select documents…RequestUpload
Invoices28 Oct12
Receipts28 Oct8
Bank statements28 Oct1
Subtasks 1
Check bank reconciliationTo Do
AllComments 0Time logged
S
30 minutes · 28 Oct 2026

Checked the invoice totals

Sarah
08Review the Bill

A bill ready for your review.

Agreed fees and configured billing rules prepare the draft. Your team decides when to issue it.

Ziffa Billing / Review S
Invoice Draft
Camilleri Trading LtdDraft
October 2026 · Recurring service fees
DescriptionQtyAmount
Bookkeeping & VAT package1€250.00
Net subtotal
€250.00
VAT · 18%
€45.00
Total
€295.00
Issue via Xero
Ready for your review.Still a draft. Your team decides when to issue it.
Issue when ready.

Free systems audit

Get your practice ready for the age of AI.

We spend an hour learning how your firm works today, from how client documents come in to how deadlines are tracked. Then we tell you what can be automated, where you're losing the most time, where you can save costs and where to start.

Who we are

Portrait of Andrew Cassar Overend

Andrew Cassar Overend

Co-founder and CEO

Andrew has a degree in accounts and economics from the University of Malta and a master's in economics from Durham. He was Chief Economist at Malta's Ministry of Finance and Head of Investments at the National Development and Social Fund, and has lectured at the University of Malta. He has also founded and runs businesses of his own.

Portrait of Daniel Micallef

Daniel Micallef

Co-founder and CTO

Full-stack engineer with over a decade of experience across fintech, gaming and edge AI. He designs architecture around the business problem — robust, cost-effective, and free of unnecessary complexity — and leads Ziffa technical strategy so the products scale with every client.

Three plans.

Starter is free for up to 10 clients. With Core and Pro, we set Ziffa up around how your firm works.

Annual prices for up to 10 active clients are shown. Talk to us about your firm or joining Starter.

Starter

For start-up firms and sole practitioners

Free

For up to 10 active clients.

No setup fee. You connect your storage and import your clients.

  • 3 users
  • 5 recurring deadlines from our standard library
  • Clients asked for what each deadline needs, and reminded
  • Documents read, checked, renamed and filed in our standard folders
  • 1 proposal template with your logo
  • E-signature, with 5 signatures a month included
  • 25 documents per client every quarter

When your spot opens, you have 24 hours to connect your storage, or it passes to the next firm on the list.

Recommended

Core

For practices that want to take on more clients without hiring more staff

€120/ month

Paid annually: €1,440 a year.

Setup: €3,500

Book a walkthrough

Everything in Starter, plus

  • Unlimited users
  • Your own folders and file names
  • 25 recurring deadlines
  • Proposals, engagement letters and 15 templates, including statutory forms
  • Invoices and receipts sent to your accounting software as drafts
  • Time logging
  • Due diligence tracking and expiry alerts
  • 150 documents per client every quarter
  • Your clients imported for you
  • 1 training session for your team
Built for your firm

Pro

For practices that want to automate their whole operation to stay competitive

€180/ month

Paid annually: €2,160 a year.

Setup: €12,000

Talk to us about Pro

Everything in Core, plus

  • Your own client onboarding process
  • A client login on your own website, where clients upload files and see their invoices
  • One integration built for you, such as your KYC system
  • Unlimited recurring deadlines and templates
  • 300 documents per client every quarter
  • 2 training sessions for your team

Your client login and integration are built for your firm during implementation.

Billing add-on Fee invoices drafted in your accounting software, recurring or linked to a deadline.

€50 a month on Core or Pro
Compare every feature
Compare Starter, Core and Pro features and additional fees
FeatureStarterCorePro
Monthly price, annual rateFree up to 10 clients, then €49 or €99, up to 150 clientsFrom €120, by client bandFrom €180, by client band
Setup€0. You set it up yourself€3,500€12,000
Users3UnlimitedUnlimited
Recurring deadlines525Unlimited
Requests and reminders to clientsIncludedIncludedIncluded
Documents read, checked, renamed and filedOur standard foldersYour folders and namingYour folders and naming
Documents per client every quarter25150300
Templates1 proposal, with your logo15, including statutory formsUnlimited
E-signature5 a month included5 a month included5 a month included
Invoices and receipts sent to your accounting software as draftsNoIncludedIncluded
Time loggingNoIncludedIncluded
Due diligence tracking and expiry alertsNoIncludedIncluded
Client importYouWe do itWe do it
Training sessionsNo12
Your own client onboarding processNoNoIncluded
Client login on your own websiteNoNoIncluded
One integration built for you, such as your KYC systemNoNoIncluded
Xero connection fee (charged by Xero)No€25/month per 25 clients€25/month per 25 clients
Fee invoices drafted in your accounting softwareNoAdd-on, €50 a monthAdd-on, €50 a month

You only pay for active clients: those with a request, document or deadline in the last 90 days. Moving up a plan? You pay the difference in setup. Extra documents cost 5c each, and extra e-signatures 25c each. Refer another firm and you both get 2 months free. Prices exclude VAT.

Join the Starter waitlist

Leave your details and we'll contact you when a spot opens.

We'll use these details to contact you about Starter availability. Privacy policy

Straight answers.

The questions accounting firms, auditors and CSPs ask us first.

Still deciding? Book the free audit, or see Ziffa in action.

What is Ziffa?

Ziffa is a document automation and compliance platform built specifically for Maltese accounting firms, audit firms and Corporate Service Providers. It collects, validates, classifies, renames and files your clients' documents into your own SharePoint or Google Drive, and tracks the statutory deadlines that come with each service. It runs on top of the storage you already use, so there's no new system for your team to learn.

Do we really have to learn new software?

No. Ziffa connects to the SharePoint or Google Drive you already use and organises documents in the background. To your team, files simply show up in the right folder, correctly named.

Will our clients need to create accounts or log in?

No. Each client gets a single upload link, or an email address they can forward documents to. They drag, drop and they're done — no accounts, no passwords.

What about shoebox clients and paper receipts?

Scan the bundle and upload it in one go. Ziffa classifies, renames and files each document to the right client and period, and flags anything that's missing. Photos, scans and PDFs all work.

Does Ziffa replace our accounting software (Xero, QuickBooks, Sage)?

No. Ziffa isn't an accounting package. It handles the document layer that feeds them — capturing, validating and filing the source documents — and can export clean data straight into your accounting software.

Is Ziffa a full KYC/AML risk-assessment engine?

No. Ziffa collects, validates and organises your KYC/CDD documents and pre-fills your due-diligence forms, but the risk decision stays with you. If you run a dedicated KYC platform, Ziffa can feed clean, validated information into it.

Is our data secure, and does Ziffa store our files?

The original documents remain in your own storage. Think of Ziffa as a courier that files documents into your SharePoint or Google Drive, not a warehouse that holds them. Your existing security and access controls stay fully in force.

Is Ziffa GDPR-compliant?

Yes. Your documents stay in your own EU-based storage, and Ziffa holds only limited extracted data — 30 days by default, and configurable — so your existing GDPR posture is preserved rather than handed to a third party.

Is Ziffa actually built for Malta?

Built for Malta from the ground up. Ziffa understands 140+ Maltese document types and is built around the regulators that govern your work — MBR, FIAU, MTCA, MFSA, Identità and Jobsplus — including Maltese document formats and statutory deadlines.

How long does it take to get up and running?

Core includes client import and one training session. Pro includes your own client onboarding process, a client login on your website, one integration built for your firm and two training sessions. We confirm the implementation schedule with you.

What does it cost?

Starter is free for up to 10 active clients, with paid bands up to 150 clients. Core starts at €120/month and Pro at €180/month, paid annually. Setup is €0 for Starter, €3,500 for Core and €12,000 for Pro. Monthly billing is 1.2 times the annual monthly rate. The billing add-on is €50/month on Core or Pro. Xero's connection fee is €25/month per 25 clients. Prices exclude VAT.

Is there a minimum commitment?

Yes — a 12-month minimum from go-live.

Why not just keep using Drive folders and an Excel deadline tracker?

You can — that's exactly what Ziffa replaces, and it works until it doesn't. The hidden cost is the hours each week your team spends chasing, renaming and filing by hand, plus the risk of a deadline slipping. Ziffa runs that whole layer automatically, inside the same Drive you already use.

How is Ziffa different from Dext?

Dext extracts data well for a handful of document types. Ziffa covers the broader Maltese regulatory load — MBR forms, KYC/CDD documents, statutory deadlines, expiry tracking and validation — across 140+ document types, and automates the entire client lifecycle, not just document processing.

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Advise accounting firms or set up their systems? Introduce or implement Ziffa and earn a fee from every firm you bring.

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