Khipu

What Khipu does

Khipu (legally GAA SOLUTIONS S.A.C.) is a Lima-based SaaS company providing AI-powered expense management and accounts-payable software primarily to small, mid-market, and enterprise customers in Peru. Its platform centers on KhipuScan, which uses OCR to digitize payment receipts and automatically extract expense data, plus configurable approval workflows, an expense analytics dashboard, and SUNAT-based supplier compliance validation — a regulatory feature specific to Peru. The product suite, branded under Khipu 3.0, comprises Rendiciones (expense reporting), Compras (accounts payable), the KhipuScan OCR capture module, and iOS/Android mobile apps accessible via app.khipu.pe and the public app stores.

The technology stack runs on Google Cloud Platform and integrates third-party AI services from OpenAI and Google Gemini for document interpretation, with a9t9 software providing image processing and APIS.NET supplying RUC, DNI, and exchange-rate lookups for tax-compliance validation. Khipu reports that more than 100 companies across 8 Peruvian industries have used the platform to process over 50,000 documents and S/ 30 million in soles.

Khipu monetizes through monthly per-seat SaaS subscriptions priced at approximately S/ 50 per user per month (an example invoice shows S/ 3,000 annually for five users), with bespoke enterprise tiers available. Distribution combines product-led self-service (web app, ROI calculator, app store listings) with sales-assisted demo requests via WhatsApp and contact forms, targeting both SMB self-service adoption and enterprise contracts. In 2026 the company announced regional expansion to Colombia and Chile (and broader Latin American targets), positioning Berkeley Venture Capital as a financial backer and NVIDIA Inception as a technology partner.

Name

Khipu

Legal name

GAA SOLUTIONS S.A.C.

Website

https://khipu.pe

Company type

Private

Founded year

2025

Operating status

Operating

Headcount range

11–50 employees

Short description

Khipu (legal entity GAA SOLUTIONS S.A.C.) is a Peru-based SaaS company offering AI-powered expense management, accounts payable, and SUNAT-compliant receipt digitization for SMBs, mid-market firms, and enterprises in Peru, with planned expansion into Colombia and Chile.

Ownership category

akta.pro rank

Product category

Expense Management Software

NAICS

Payroll Services (541214), Custom Computer Programming Services (541511), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (5182)

SIC

Services-Prepackaged Software (7372), Services-Computer Processing & Data Preparation (7374)

akta.pro primary industry

Expense Management & Reimbursements Administration (BPACAIAH)

akta.pro secondary industries

Payroll Software & Payroll-as-a-Service (SaaS) (BPACAIAB), Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)

Keywords

• Expense management software
• Receipt OCR scanning
• Accounts payable automation
• Corporate spending analytics
• SUNAT tax compliance

Headquarters

HQ city

Lima

HQ country

Peru

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. SaaS Subscription - Per User: Monthly subscription fee calculated based on the number of users. The base monthly tariff is calculated according to the selected plan through the digital platform. Billed monthly in Peruvian soles (PEN), excluding IGV tax.
2. SaaS Subscription - Enterprise Plans: Customized enterprise plans with personalized advisory and dedicated support for larger organizations. Pricing based on company size and specific needs.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels9 records

Core offering

Khipu sells a unified SaaS expense management platform that automates employee expense reporting, receipt digitization, approval workflows, and accounts payable for businesses in Peru. The platform combines OCR-based receipt scanning (KhipuScan), automatic SUNAT validation of supplier compliance, configurable multi-level approval flows, and real-time spending analytics, delivered via a web application and companion iOS/Android mobile apps. It targets small to enterprise companies across multiple industries that need to replace manual, paper-based expense processes with centralized digital workflows.

Product overview

Khipu is a unified SaaS expense management platform consisting of multiple integrated modules: the core Khipu platform handles centralized expense management and reporting, with Rendiciones (Gestión de Gastos) for employee expense reporting and approval workflows, and Compras (Cuentas por Pagar) for accounts payable management. The KhipuScan module provides OCR-based document digitization, and a mobile app enables on-the-go expense management. The platform integrates SUNAT validation for Peruvian tax compliance and offers data export capabilities for ERP integration. Khipu 3.0 is the current version offering 100% efficiency improvement over manual processes.

Differentiator

Problem solved

Functional benefit

Products and services

• Khipu Expense Management Platform Unified SaaS expense management platform for businesses that automates and centralizes employee expense reporting, configurable multi-level approval workflows, OCR-based receipt digitization, SUNAT supplier compliance validation, accounts payable management, and real-time spending analytics. Sold as a monthly per-seat subscription (approximately S/ 50 per user in PEN) with customized enterprise plans that include dedicated advisors and multichannel support; target users are finance, controlling, and back-office teams at Peruvian SMBs, mid-market, and enterprise companies.
• Khipu Mobile App Companion mobile application for Khipu platform users on iOS and Android that enables employees to capture receipts, submit expenses, review approvals, and maintain visibility into business finances from their phones.

Quantifiable outcome

• 80% reduction in expense processing time
• +7 more outcomes

Named customers28 records

Segments6 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature6 records

Partnerships

14 partnerships are on record, tiered core, supporting and minor.

• Google Cloud PlatformcoreTechnology or IntegrationPrimary cloud infrastructure provider for hosting the Khipu platform and data storage in the cloud.
• OpenAI OpCo, LLCcoreTechnology or IntegrationAI services provider powering intelligent document processing and expense recognition features in the platform.
• Gemini AI (Google LLC)coreTechnology or IntegrationAI services provider for additional AI capabilities including document interpretation and data extraction.
• a9t9 software GmbHsupportingTechnology or IntegrationProvides image processing and conversion technology for OCR scanning functionality.
• APIS.NETsupportingTechnology or IntegrationProvider of RUC, DNI, and exchange rate validation APIs for SUNAT compliance verification.
• WordPress.comsupportingTechnology or IntegrationWebsite management platform for the institutional website at khipugastos.com.
• NVIDIA Inception ProgramsupportingGTM or Marketing PartnerNVIDIA's program for AI startups providing resources, technical support, and market visibility for AI companies.
• Innova ULimasupportingGTM or Marketing PartnerInnovation center at Universidad de Lima supporting Peruvian startups with mentorship and resources.
• Google PartnerminorGTM or Marketing PartnerGoogle partnership for marketing and technology collaboration.
• Pro InnovatesupportingGTM or Marketing PartnerPeruvian innovation promotion organization supporting innovative companies.
• StartUp PerúsupportingGTM or Marketing PartnerGovernment program supporting Peruvian startups with funding and acceleration.
• Swiss EP (Swiss Entrepreneurship Program)supportingGTM or Marketing PartnerSwiss development program supporting entrepreneurship in emerging markets.
• Embassy of Switzerland in PeruminorGTM or Marketing PartnerSwiss diplomatic mission supporting bilateral entrepreneurship initiatives.
• SwisscontactminorGTM or Marketing PartnerSwiss development foundation supporting entrepreneurship and economic development programs.

Scale indicators8 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Airbase: Spend management platform combining bill pay, expense management, and corporate cards for mid-market. Closely comparable product scope and target segment, though primarily US-focused.
• Brex: Corporate card and expense management platform for startups and enterprises. Competes for the same mid-market and enterprise CFO buyer with a bundled cards-plus-software model that Khipu does not yet match.
• Expensify: Global SaaS leader in expense management with receipt scanning and OCR. Direct competitor in core functionality, though Khipu is localized for Peru and adds SUNAT compliance that Expensify does not natively offer.
• Emburse: Enterprise expense management and AP automation suite. Direct overlap in expense reporting, approvals, and analytics, with a stronger global enterprise footprint.
• Ramp: Expense management and corporate card platform focused on US mid-market and enterprise. Same target buyer, similar product surface (expense automation, approvals, analytics), with substantially more capital and a global roadmap.

Broad incumbents

• SAP Concur: Incumbent T&E and expense management suite within SAP's enterprise portfolio. Competes for larger enterprises and offers broader ERP integration; less specialized for LatAm SMBs than Khipu.

Emerging players

• Spendesk: European spend management platform combining prepaid cards, expense reporting, and invoice management. Comparable mid-market SaaS product surface for finance teams.
• Clara: Mexico-based corporate cards and spend management platform for businesses in LatAm. Comparable customer profile (B2B finance teams) and overlapping target geographies (Mexico, Colombia).
• Jeeves: LatAm-focused cross-border spend management and corporate cards platform serving similar B2B finance use cases in the region, including Mexico, Colombia, and Brazil — direct overlap with Khipu's expansion markets.
• Floid: LatAm-focused corporate cards and expense management for SMBs and mid-market. Closely comparable in scale, regional focus, and target customer (SMB/mid-market B2B finance teams in Spanish-speaking markets).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Khipu