# Cord

> Cord is an independent B2B operations SaaS — quoting, budgeting, and collections — for
> any business worldwide, not exclusive to Shopify or to clients of its parent company,
> Flouvia. Businesses use Cord to create quotes with negotiated pricing and credit terms,
> get them approved via a public link, plan budgets with budget-vs-actual tracking,
> collect payment (cards, SPEI, autonomous AI collections), and issue CFDI 4.0 invoices
> (Mexico), all without leaving the quote flow.

Cord is built and maintained by the team at Flouvia (flouvia.com), a Mexican company —
but Cord itself is a standalone product with its own domain, billing, and signup, open
to any B2B business worldwide regardless of whether they use any other Flouvia product.
Businesses based in Mexico additionally get automated CFDI 4.0 e-invoicing built in.

## Core capabilities

- Quote editor with negotiated pricing, volume pricing tiers, and credit terms (Contado / Net 30 / Net 60)
- Public quote links with e-signature, line-item negotiation chat, and partial approval
- Direct payments via Stripe Connect (cards + SPEI), split into deposit/balance/installments
- Autonomous AI collections agent (opt-in) that negotiates payment plans over email
- CFDI 4.0 electronic invoicing for Mexico via Facturapi
- Multi-currency quoting (MXN/USD/EUR) with FX rate locking
- Team roles, approval thresholds, and audit logging for B2B sales orgs
- AI-powered quote generation from text, PDF, or images (Cord AI)
- Financial budgeting module with master schedules and NPV/IRR/EOQ analysis tools

## Documentation

- [Product docs](https://cordhq.app/docs): Complete user guide covering quotes, payments, budgets, integrations, and account setup
- [API reference](https://cordhq.app/docs/desarrolladores/empezar/apikey): REST API for quotes, clients, products, collections
- [OpenAPI spec](https://cordhq.app/openapi.yaml): machine-readable schema for the full API
- [Webhooks](https://cordhq.app/docs/desarrolladores/herramientas/webhooks): outbound event notifications (quote.sent, quote.paid, etc.), HMAC-signed
- [MCP server](https://cordhq.app/docs/desarrolladores/herramientas/mcp): Model Context Protocol tools for AI agents to query quotes, clients, and receivables
- [Cord Elements](https://cordhq.app/docs/desarrolladores/herramientas/elements/resumen): embeddable quote builder (Web Component, React, Vue) — npm package `@flouviahq/elements`
- [Authentication](https://cordhq.app/docs/desarrolladores/esenciales/autenticacion): API key auth, SSO, and SAML
- [Error handling](https://cordhq.app/docs/desarrolladores/esenciales/errores): standard error codes and responses

## Developer Blog

Technical articles from the Cord engineering team:

- [Billing models for autonomous AI agents](https://cordhq.app/dev-blog/ai-agent-billing): Dimensional usage metering for non-deterministic AI workloads
- [API idempotency patterns](https://cordhq.app/dev-blog/api-idempotency): Safely retry financial API calls with idempotency keys
- [Billing best practices](https://cordhq.app/dev-blog/billing-best-practices): Revenue recognition, proration, and subscription lifecycle
- [Multi-tenant architecture with Neon](https://cordhq.app/dev-blog/building-multi-tenant-architecture): Row-Level Security and connection pooling at scale
- [CLI schema validation](https://cordhq.app/dev-blog/cord-cli-schema-validation): Validate quote schemas before deployment
- [Financial reconciliation with webhooks](https://cordhq.app/dev-blog/financial-reconciliation-webhooks): HMAC verification, idempotent processing, and out-of-order event handling

## Key Documentation Pages

### Payments
- [Payments overview](https://cordhq.app/docs/pagos/resumen): card payment infrastructure for any B2B business, plus SPEI bank transfer for Mexico
- [Payment methods](https://cordhq.app/docs/pagos/metodos): Bank transfer (SPEI), credit/debit cards, credit terms
- [Advance payments](https://cordhq.app/docs/pagos/anticipos): Deposit and balance payment splitting
- [Recurring retainers](https://cordhq.app/docs/pagos/igualas): Monthly retainer billing for service businesses
- [AI collections agent](https://cordhq.app/docs/pagos/cobranza-ia): Autonomous collection negotiation via email
- [CFDI invoicing](https://cordhq.app/docs/pagos/facturacion): CFDI 4.0 electronic invoice stamping via Facturapi

### Quoting
- [Quotes overview](https://cordhq.app/docs/cotizacion/resumen): Create and send B2B quotes with negotiated pricing
- [AI quote generation](https://cordhq.app/docs/cotizacion/ia): Generate quotes from text, PDF, or photos using AI
- [E-signature and audit](https://cordhq.app/docs/interaccion/firma): Legally binding e-signatures with immutable audit trails

### Financial Budgeting
- [Budgets overview](https://cordhq.app/docs/presupuestos/resumen): Master budget schedules for financial planning
- [Analysis tools](https://cordhq.app/docs/presupuestos/herramientas): NPV, IRR, EOQ, and variance analysis calculators

## Product

- [Pricing](https://cordhq.app/precios): 5 plans (Free through Developer), MXN
- [Product overview](https://cordhq.app/producto/editor): the quote editor and full feature set
- [Solutions by industry](https://cordhq.app/soluciones/empresas): enterprise and startup use cases

## Support

- [Help center](https://cordhq.app/soporte): setup guides, billing, fiscal (CFDI), API troubleshooting
- [Roadmap](https://cordhq.app/roadmap): shipped, in-progress, and planned features