The AI proposes. You decide. Every time.

Nummio reads receipts and suggests where each transaction goes. That is the whole extent of its authority. Nothing posts to your books because a model said so; every suggestion waits in a queue with its confidence and its reasoning, and a person says yes, or changes it, or ignores it. The claim is demonstrable rather than assertable, so the real review queue is on this page, with the reasoning switched on.

How it works, in the order it happens

1Your rules run first.

A categorization rule you've written for a vendor is checked before any model is consulted. If it matches, the transaction is filed by your rule, the AI is never called, and no AI Op is consumed.

2Then the AI proposes, with a confidence score.

For everything your rules don't cover, the model suggests an account and says how sure it is. High-confidence items are grouped so you can accept them in a batch; the rest wait for your call one at a time.

3The reasoning is shown, and you can hide it.

Every suggestion carries its rationale inline. A toggle hides it for people who find it noise; it comes back with one click.

4You decide, and the product remembers.

Accept, override with one click, or leave it. Overrides persist per business and inform future suggestions for that vendor. Nothing posts without the review path.

The metering you can see before it bills

One AI Op is one receipt extraction or one categorization. Each plan includes a monthly allowance, the meter is in your billing settings, it turns amber at 80%, and past the allowance each op is billed at your plan's per-op rate with the running total shown before the invoice exists. Hitting the cap never blocks reading, reporting, or exporting your books. The pricing page has the allowances and rates.

The contrast, in Intuit's words

A customer asked the QuickBooks Community how to turn off all AI completely in QuickBooks Online. The QuickBooks Team's reply: "There is currently no option to fully disable all AI features with a single toggle switch."

QuickBooks Community, "How do I turn off all AI completely in QuickBooks Online" (QuickBooks Team reply, November 2025), verified Sep 9, 2026

We should be as plain about our own switch, so here it is: one switch in your billing settings, controlled by the business Owner, turns every model call off. When it's off no model is consulted for your business, not for categories and not for vendor names. Receipts still arrive with their fields read, your rules still run, and suggestions made before you turned it off stay on their items until you decide them. The difference that holds either way is what the AI is allowed to do without you: nothing. It cannot post, it cannot categorize past the queue, and your rules outrank it.

The real review queue, reasoning on

This is the exact component the product ships, on seeded data. The "show reasons" toggle is on. j and k move, a accepts, u undoes.

Want the same queue on your own receipts?

Forward one to your trial's receipts address and watch it arrive with its reasoning.

Start the trial