European Fintech
Payments, invoicing and finance tools that keep money and data inside the EU.

AFAS
nlDutch-built ERP and payroll software with native GDPR compliance and Dutch law expertise.
- Data: EU
- GDPR-native
- EU-owned

Abacus
chSwiss-made modular ERP for mid-market businesses across financial services, real estate, and healthcare.
- Data: EU
- GDPR-native
- EU-owned

Accace
skInternational BPO consultancy providing integrated payroll, accounting, and HR outsourcing across 60+ jurisdictions.
- Data: EU
- GDPR-native
- EU-owned

Accountable
beAI-powered invoicing and tax automation for German self-employed and small businesses
- Data: Mixed
- GDPR-native
- EU-owned

Admidio
deFree, open-source membership management for organizations seeking full data control
- Data: Self-hosted
- GDPR-native
- EU-owned
- Self-hostable
- Open source

Agicap CashCollect
frAutomate customer payment collection with intelligent dunning and real-time receivables visibility across Europe
- Data: EU
- GDPR-native
- EU-owned

Alguna
gbUnified monetization engine consolidating pricing, billing, and revenue operations for modern SaaS and FinTech.
- Data: EU
- GDPR-native
- EU-owned

Aryza
ieGlobal SaaS solutions for financial services managing customers across the complete credit lifecycle.
- GDPR-native

AssoConnect
frCloud-based association management unifying accounting, payments, members, and communications
- Data: EU
- GDPR-native
- EU-owned

Aufinity
deAutonomous payment orchestration platform automating invoicing, reminders, and reconciliation for automotive dealers.
- GDPR-native
- EU-owned

BPiON
huEnterprise BPO platform for outsourced payroll, accounting, and HR administration across Central and Eastern Europe.
- Data: EU
- GDPR-native
- EU-owned

Basware
FICloud-native AP automation and invoice processing platform built in Finland with EU data residency.
- Data: EU
- GDPR-native

Bexio
chAll-in-one Swiss cloud business software for SMEs combining accounting, invoicing, and payroll.
- Data: Self-hosted
- EU-owned

Billabex
frAI-powered payment reminder automation that reduces collection workload while maintaining client relationships.
- EU-owned

Billit
beBelgian e-invoicing platform with Peppol network integration for automated billing
- Data: EU
- GDPR-native
- EU-owned

Billogram
seCloud-based invoice-to-cash orchestration for European businesses with recurring revenue models
- GDPR-native
- EU-owned

Billwerk+ (Frisbii)
deEuropean subscription billing platform automating recurring revenue with predictive analytics
- Data: Mixed
- GDPR-native
- EU-owned

Billy
dkFree and simple bookkeeping software for small Danish and Nordic businesses
- Data: EU
- GDPR-native
- EU-owned

Bokföring
seBookkeeping for Swedish small business.
- Data: EU
- GDPR-native
- EU-owned

BrightPay
gbCloud payroll software built for UK and Ireland compliance.
- Data: EU
- GDPR-native

BuchhaltungsButler
deIntelligent German cloud accounting software that automates 76% of bookkeeping work with AI and tax compliance built-in.
- Data: EU
- GDPR-native
- EU-owned

CashOnTime
frIntelligent cloud platform automating accounts receivable, debt collection, and cash flow optimization for European mid-market and enterprise finance teams.
- Data: EU
- GDPR-native
- EU-owned

Cezanne HR
gbCloud HR and payroll software that keeps people connected, wherever they work.
- Data: EU
- GDPR-native
- EU-owned

Clearnox
beCloud-based accounts receivable platform that automates payment reminders and speeds up cash collection
- Data: EU
- GDPR-native
- EU-owned

Cleavr
frAI-powered accounts receivable automation transforming invoice-to-cash workflows
- Data: EU
- GDPR-native
- EU-owned

Clubee
luAll-in-one AI-powered platform for sports clubs, leagues, and federation management
- Data: Mixed
- GDPR-native
- EU-owned

Clubforce
ieAll-in-one sports club management platform for memberships, payments, and communications
- Data: EU
- GDPR-native
- EU-owned

Creem
eeAll-in-one payments, taxes, and compliance for software companies
- EU-owned

DebtView
gbCloud-based debt collection software with automated multi-channel customer contact and flexible customization.
- Data: Mixed

Debtist
deDigital debt collection across Europe with AI automation, no upfront costs.
- Data: Mixed
- GDPR-native
- EU-owned

Dinero
dkCloud-based accounting made simple for Danish self-employed and small businesses
- Data: Nordic
- GDPR-native
- EU-owned

Dolibarr
frThe easiest open-source ERP and CRM system for all-in-one business management
- Data: EU
- GDPR-native
- EU-owned
- Self-hostable
- Open source

Enkelservice
seModular back-office SaaS for Swedish small business.
- Data: EU
- GDPR-native
- EU-owned

Esker
frAI-powered financial process automation platform built in France with native GDPR compliance and distributed EU data centers.
- Data: EU
- GDPR-native
- EU-owned

Eudonet
fr100% sovereign French SaaS CRM for mission-driven organizations.
- Data: EU
- GDPR-native
- EU-owned

Exact Online
nlAI-powered accounting and ERP software for 675,000+ SMEs and professional firms
- Data: Mixed
- GDPR-native
- EU-owned

Factorial
esAI workforce operations platform where people and agents work as One
- Data: EU
- GDPR-native
- EU-owned

Faktura
seModern invoicing for Swedish companies.
- Data: EU
- GDPR-native
- EU-owned

Fakturoid
czCloud-based invoicing and bookkeeping platform for Czech and Slovak entrepreneurs.
- GDPR-native
- EU-owned

FastBill
deGerman-built cloud accounting software for freelancers and small businesses with secure local data hosting.
- Data: EU
- GDPR-native
- EU-owned

Fatture in Cloud
itItalian cloud-based invoicing and business management software for professionals and SMEs.
- GDPR-native
- EU-owned

Fenerum
dkSubscription management and financial insights on autopilot for SaaS companies
- Data: EU
- GDPR-native
- EU-owned

Flexys
gbEnterprise debt collection platform automating workflows to collect more while improving outcomes and reducing risk.
- EU-owned

Fortnox
seSweden's leading cloud-based accounting and invoicing platform for small businesses and startups.
- EU-owned

FreeAgent
gbCloud bookkeeping and accounting software with integrated payroll and direct HMRC tax filing for UK small businesses.
- Data: Mixed
- GDPR-native

Frisbii
deEuropean recurring revenue management platform combining subscription billing, payments, and analytics.
- Data: EU
- GDPR-native
- EU-owned

GCollect
frFrench debt collection platform combining digital efficiency with professional recovery specialists and ethical amicable settlement practices.
- Data: EU
- GDPR-native
- EU-owned

GoCardless
gbCloud-based direct bank payment platform for recurring billing, invoices, and one-off collections.
- EU-owned

HRworks
deGDPR-native cloud HR platform for German mid-market businesses
- Data: EU
- GDPR-native
- EU-owned

Hitobito
chOpen source community management platform for complex organizational structures
- Data: Self-hosted
- GDPR-native
- EU-owned
- Self-hostable
- Open source

Holded
esAll-in-one cloud platform combining invoicing, accounting, CRM, HR, inventory, and projects for small businesses.
- Data: EU
- GDPR-native
- EU-owned

Hyperline
frEuropean revenue management platform automating the complete quote-to-cash workflow with flexible billing for SaaS.
- Data: EU
- GDPR-native
- EU-owned

Inkasso
seDebt-collection workflow for Swedish businesses.
- Data: EU
- GDPR-native
- EU-owned
Instellix
deFuture-first global monetization platform transforming billing complexity into clarity and growth at enterprise scale
- GDPR-native
- EU-owned

Intect
dkCloud-based Scandinavian payroll and HR system for managing multi-country employee payments and compliance
- EU-owned

InvoiceXpress
ptCloud-based invoicing software for small businesses with Portuguese tax compliance built-in.
- Data: Mixed
- GDPR-native

Klippa (Doxis) SpendControl
deAI-powered invoice processing and spend management platform with 99% accurate data extraction.
- Data: EU
- GDPR-native
- EU-owned
- Self-hostable
- Open source

Lago
frOpen-source, metering and usage-based billing API with full deployment control and GDPR compliance
- Data: EU
- GDPR-native
- EU-owned
- Self-hostable
- Open source

Lano
deGlobal payroll and employment management platform for companies with international teams
- Data: EU
- GDPR-native
- EU-owned

LeanPay
frCloud-based accounts receivable and debt collection platform eliminating late payments through automated reminders and dispute management.
- EU-owned

Lexware Office
deCloud-based accounting software for German small businesses with automated receipt processing and tax authority recognition.
- Data: EU
- GDPR-native
- EU-owned

Lön
sePayroll for Swedish small business.
- Data: EU
- GDPR-native
- EU-owned

MHR
gbCloud-based integrated HR, payroll, and finance platform for organizations across the UK, Ireland, and US.
- Data: EU
- GDPR-native
- EU-owned

Medius
seCloud-based accounts payable automation with AI-driven invoice processing, Swedish-built with European data residency.
- Data: Mixed
- GDPR-native
- Self-hostable

Medlemsfaktura
seMembership invoicing for Swedish associations.
- Data: EU
- GDPR-native
- EU-owned

MembersApp.link
gbMembership management software for associations and community groups with integrated payments and event ticketing

Merit Aktiva
eeCloud-based accounting software built in Estonia for simplicity and compliance.
- EU-owned

Meteroid
frOpen-source billing infrastructure for SaaS with EU data residency and flexible monetization models.
- Data: EU
- GDPR-native
- EU-owned
- Self-hostable
- Open source

Midday
seAll-in-one business stack for freelancers and solo entrepreneurs.
- Data: Mixed
- GDPR-native
- EU-owned
- Self-hostable
- Open source

Mollie
nlEuropean payment processing and financial management platform with Dutch data sovereignty and GDPR compliance.
- Data: EU
- GDPR-native
- EU-owned

Moneybird
nlCloud-based accounting software that automates invoicing, VAT compliance, and bookkeeping for Dutch and European entrepreneurs.
- Data: EU
- GDPR-native
- EU-owned

MyDSO Manager
frCloud-based cash collection and credit management software for optimizing DSO and customer risk across enterprises
- EU-owned

MyUnisoft
frSovereign French accounting and SME management platform with integrated invoicing and EU data residency
- Data: EU
- GDPR-native
- EU-owned

Norman
deAI accountant automating accounting and taxes for European entrepreneurs.
- Data: EU
- GDPR-native
- EU-owned

Odoo
beOpen-source ERP and CRM suite built for European business integration and data sovereignty.
- Data: Mixed
- GDPR-native
- EU-owned
- Self-hostable
- Open source

Ordolio
beFree membership management platform for associations, sports clubs, and youth groups, with revenue sharing via transaction fees
- Data: EU
- GDPR-native
- EU-owned

Orgo
roThe Complete Membership Platform for Nonprofits
- Data: EU
- GDPR-native
- EU-owned

PAIR Finance
deEurope's leading AI-based digital debt collection platform with multi-country orchestration.
- Data: EU
- GDPR-native
- EU-owned

Paddle
gbMerchant of Record platform combining payments, tax compliance, and subscription management for digital product businesses.
- Data: Mixed
- GDPR-native

Papierkram
deGerman-built, all-in-one cloud accounting for freelancers and small businesses with automated tax compliance.
- Data: EU
- GDPR-native
- EU-owned

Parolla
ieCloud payroll software built in Ireland for Irish businesses with ROS compliance and EU data hosting.
- Data: EU
- GDPR-native
- EU-owned

PayFit
frCloud payroll and HR automation built for UK and European small businesses.
- Data: EU
- GDPR-native
- EU-owned

PayPro
sePayment and economic-analysis platform for Swedish businesses.
- Data: EU
- GDPR-native
- EU-owned

Payt
nlDutch copilot to accelerate invoice payments and automate debt collection
- Data: EU
- GDPR-native
- EU-owned

Pennylane
frFrench all-in-one financial and accounting platform for SMEs and freelancers.
- Data: EU
- GDPR-native
- EU-owned

Personio
deThe European all-in-one HR and payroll platform for growing companies.
- Data: EU
- GDPR-native
- EU-owned

Pino
fiDrupal-based membership management for associations and nonprofits
- EU-owned
- Self-hostable
- Open source

Pro-Pay
beISAE 3402 certified Belgian payroll and HR outsourcing partner for complex compliance and international employee management.
- Data: EU
- GDPR-native
- EU-owned

Procountor
fiCloud-based Finnish accounting software for SMEs and accountants with real-time financial management.
- Data: EU
- GDPR-native
- EU-owned

QUALCO Collections & Recoveries
grEnterprise debt management and collections platform with omnichannel engagement and legal automation.
- GDPR-native
- EU-owned
- Self-hostable

Qonto
frFrench-built business banking and invoicing platform for European SMEs and freelancers.
- Data: EU
- GDPR-native
- EU-owned

Reviso
dkPan-European cloud accounting platform with Nordic roots and 20+ years of SME bookkeeping expertise.
- GDPR-native
- EU-owned

Riverty Debt Collection
deAI-powered enterprise debt collection across 20+ countries with omnichannel engagement and customer flexibility.
- Data: Mixed
- GDPR-native
- EU-owned

SD Worx
beEurope's leading integrated HR, payroll, and time management platform serving employers across 30 countries
- Data: EU
- GDPR-native
- EU-owned

Sage 50 Payroll
gbUK-built payroll software for small businesses with statutory compliance automation and union payroll expertise
- Data: EU
- GDPR-native
- EU-owned
- Self-hostable

Salary.lu
luGDPR-compliant payroll software built in Luxembourg for Luxembourg businesses.
- Data: EU
- GDPR-native
- EU-owned

Sesame HR
esCloud-based, all-in-one HR platform with global presence and enterprise-grade security.
- EU-owned

Sidetrade
frAI-native order-to-cash platform for automating debt collection, payment reminders, and cash flow acceleration.
- Data: Mixed
- GDPR-native
- EU-owned

SnelStart
nlCloud-based Dutch accounting and business management software for SMEs and accountants.
- Data: EU
- GDPR-native
- EU-owned

Spektrix
gbCloud-based ticketing, CRM, and fundraising platform for arts and cultural organizations
- Data: Mixed
- GDPR-native
- EU-owned

Spendesk
frEU-licensed invoice automation and payment platform for European finance teams.
- Data: EU
- GDPR-native
- EU-owned

SportMember
gbCloud-based membership and club management platform for sports organizations.
- Data: Mixed
- EU-owned

Storecove
nlThe standard in global e-invoicing via unified API and compliance automation.
- Data: Mixed
- GDPR-native
- EU-owned

TeamSystem
itCloud-based invoicing and accounting platform built for Italian businesses and professionals.
- Data: EU
- GDPR-native
- EU-owned

Teamspace
deGerman-built SaaS for service businesses connecting projects, hours, and billing in real-time with GDPR and ISO 27001 compliance.
- Data: EU
- GDPR-native
- EU-owned

Thesaurus Payroll Manager
ieIrish payroll software for small businesses with 30 years of market-leading compliance expertise
- Data: EU
- GDPR-native
- EU-owned
- Self-hostable

Tiime
frSimple, free, 100% French all-in-one business management platform for French entrepreneurs.
- Data: EU
- GDPR-native
- EU-owned

ToucanTech
gbAll-in-one community management platform combining database, CRM, website, and events in one cloud system.
- EU-owned

Twikey
beEuropean payment automation platform for recurring billing and SEPA mandate management.
- Data: EU
- GDPR-native
- EU-owned

UniBee
eeOpen-source subscription billing and payments platform built in Estonia
- Data: EU
- GDPR-native
- EU-owned
- Self-hostable
- Open source

Unifiedpost Group
beDigital financial solutions for automated invoicing, payments, and tax compliance across global markets.
- EU-owned

Upflow
frParis-built Financial Relationship Management platform automating accounts receivable and payment collection for B2B businesses.
- EU-owned

VeryConnect
gbCloud-based membership management software built for associations without enterprise overhead
- Data: Mixed
- GDPR-native
- EU-owned

Visma Nmbrs
nlCloud payroll and HR automation for European SMEs and service providers.
- Data: EU
- GDPR-native
- EU-owned

Visma e-conomic
dkCloud-based accounting platform with automation, integrations, and built-in accountant access.
- Data: Mixed
- GDPR-native
- EU-owned

Webio (Aryza Engage)
ieConversational AI for credit, collections, and payment engagement
- Data: EU
- GDPR-native
- EU-owned

White Fuse
gbAll-in-one membership management platform for UK organizations
- Data: EU
- GDPR-native

WorkMotion
deGlobal employment platform with owned subsidiaries in 160+ countries for compliant international hiring and payroll.
- EU-owned

Younium
seCloud-native subscription management platform unifying billing, revenue recognition, and analytics for B2B SaaS.
- Data: EU
- GDPR-native
- EU-owned

Yuki
nlCloud-native bookkeeping platform built for seamless collaboration between accountants and businesses.
- Data: EU
- GDPR-native
- EU-owned

Yunits
nlThe digital clubhouse: simple, smart and vibrant
- GDPR-native
- EU-owned

Zelt
gbAll-in-one UK HR platform consolidating payroll, people operations, and IT management.
- Data: EU
- GDPR-native
- EU-owned

Zervant
fiEuropean cloud invoicing designed for sole traders and growing small businesses
- Data: EU
- GDPR-native
- EU-owned

collect.AI
deAI-powered SaaS for automated receivables management and intelligent debt collection
- Data: EU
- GDPR-native
- EU-owned

e-Boekhouden
nlCloud-based accounting software designed for Dutch entrepreneurs to simplify bookkeeping and tax compliance.
- Data: EU
- GDPR-native
- EU-owned

e-conomic
dkDenmark's leading cloud accounting software for SMEs and accountants with deep Nordic bank integration.
- GDPR-native
- EU-owned

easyVerein
deCloud-based association management software for nonprofits, sports clubs, and member organizations
- Data: EU
- GDPR-native
- EU-owned

m3ter
gbUsage-based billing infrastructure that bridges modern pricing strategies with legacy CRM/ERP systems.
- Data: EU
- GDPR-native
- EU-owned

sevDesk
deGerman cloud accounting software with automated invoicing, receipt capture, and tax filing for SMEs.
- Data: EU
- GDPR-native
- EU-owned

sheepCRM
gbUK-based membership management platform for professional associations and membership organizations
- Data: EU
- GDPR-native
- EU-owned

smallinvoice
chSwiss-built GDPR-compliant invoicing and admin platform for SMEs with data exclusively in Switzerland.
- Data: EU
- GDPR-native
- EU-owned

weclapp
deGerman cloud ERP built ground-up for modern SME operations with strict EU data residency.
- Data: EU
- GDPR-native
- EU-owned

Årsredovisning
seAnnual-report generation for Swedish companies.
- Data: EU
- GDPR-native
- EU-owned