Year-end working papers, done in minutes.

No. It sits between the bookkeeping export and the accounts-production software. It produces the proven, mapped trial balance those tools start from and the working-paper pack that supports it. If you use Silverfin you probably do not need PaperHQ; most small practices do not use Silverfin.

Only masked. Identifiers (names, account numbers, sort codes, UTRs, VAT and company numbers, postcodes, emails) are detected in code inside your environment and replaced with stable tokens. An outbound guard re-scans every payload and blocks anything that still looks like an identifier. The model never receives a client name or, by default, a real balance.

The EU AI Act regulates use cases; matching invoices, mapping codes and drafting notes is minimal-risk and carries no high-risk obligations. UK GDPR and ICAEW/ACCA confidentiality rules do apply, and masking is what turns them from a contractual promise into an architectural fact: a data-processing agreement, training off and short retention on the model contract, plus a payload that contains no personal data. Not legal advice; the assessment is documented and available to pilot firms.

No. You tag your Excel template once at setup. Every pack comes out in that layout with your sign-off boxes and cross-references, and the totals are live formulas, not pasted values.

Exports from Xero, QuickBooks Online and Sage are read today, including sectioned ledger reports and PDFs with a text layer. Output is an import TB for your accounting software, with TaxCalc and BTCSoftware layouts to follow, and journals in Xero, QuickBooks and Sage 50 import formats.

You do. PaperHQ prepares; a person in the firm clears the exceptions list, edits the drafts and signs. Nothing is filed and nothing is written to a client ledger without that sign-off.