★ LaunchRadar

European Fintech

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

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European alternatives in this category

AFAS screenshot

AFAS

nl

Dutch-built ERP and payroll software with native GDPR compliance and Dutch law expertise.

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Abacus screenshot

Abacus

ch

Swiss-made modular ERP for mid-market businesses across financial services, real estate, and healthcare.

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Accace screenshot

Accace

sk

International BPO consultancy providing integrated payroll, accounting, and HR outsourcing across 60+ jurisdictions.

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Accountable screenshot

Accountable

be

AI-powered invoicing and tax automation for German self-employed and small businesses

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Admidio screenshot

Admidio

de

Free, open-source membership management for organizations seeking full data control

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Agicap CashCollect screenshot

Agicap CashCollect

fr

Automate customer payment collection with intelligent dunning and real-time receivables visibility across Europe

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Alguna screenshot

Alguna

gb

Unified monetization engine consolidating pricing, billing, and revenue operations for modern SaaS and FinTech.

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Aryza screenshot

Aryza

ie

Global SaaS solutions for financial services managing customers across the complete credit lifecycle.

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AssoConnect screenshot

AssoConnect

fr

Cloud-based association management unifying accounting, payments, members, and communications

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Aufinity screenshot

Aufinity

de

Autonomous payment orchestration platform automating invoicing, reminders, and reconciliation for automotive dealers.

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BPiON screenshot

BPiON

hu

Enterprise BPO platform for outsourced payroll, accounting, and HR administration across Central and Eastern Europe.

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Basware screenshot

Basware

FI

Cloud-native AP automation and invoice processing platform built in Finland with EU data residency.

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Bexio screenshot

Bexio

ch

All-in-one Swiss cloud business software for SMEs combining accounting, invoicing, and payroll.

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Billabex screenshot

Billabex

fr

AI-powered payment reminder automation that reduces collection workload while maintaining client relationships.

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Billit screenshot

Billit

be

Belgian e-invoicing platform with Peppol network integration for automated billing

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Billogram screenshot

Billogram

se

Cloud-based invoice-to-cash orchestration for European businesses with recurring revenue models

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Billwerk+ (Frisbii) screenshot

Billwerk+ (Frisbii)

de

European subscription billing platform automating recurring revenue with predictive analytics

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Billy screenshot

Billy

dk

Free and simple bookkeeping software for small Danish and Nordic businesses

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Bizonylat screenshot

Bizonylat

NAV-compatible online invoicing for Hungary

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Bokföring screenshot

Bokföring

se

Bookkeeping for Swedish small business.

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BrightPay screenshot

BrightPay

gb

Cloud payroll software built for UK and Ireland compliance.

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BuchhaltungsButler screenshot

BuchhaltungsButler

de

Intelligent German cloud accounting software that automates 76% of bookkeeping work with AI and tax compliance built-in.

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CashOnTime screenshot

CashOnTime

fr

Intelligent cloud platform automating accounts receivable, debt collection, and cash flow optimization for European mid-market and enterprise finance teams.

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Cezanne HR screenshot

Cezanne HR

gb

Cloud HR and payroll software that keeps people connected, wherever they work.

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Clearnox screenshot

Clearnox

be

Cloud-based accounts receivable platform that automates payment reminders and speeds up cash collection

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Cleavr screenshot

Cleavr

fr

AI-powered accounts receivable automation transforming invoice-to-cash workflows

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Clubee screenshot

Clubee

lu

All-in-one AI-powered platform for sports clubs, leagues, and federation management

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Clubforce screenshot

Clubforce

ie

All-in-one sports club management platform for memberships, payments, and communications

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Creem screenshot

Creem

ee

All-in-one payments, taxes, and compliance for software companies

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DebtView screenshot

DebtView

gb

Cloud-based debt collection software with automated multi-channel customer contact and flexible customization.

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Debtist screenshot

Debtist

de

Digital debt collection across Europe with AI automation, no upfront costs.

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Dinero screenshot

Dinero

dk

Cloud-based accounting made simple for Danish self-employed and small businesses

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Dolibarr screenshot

Dolibarr

fr

The easiest open-source ERP and CRM system for all-in-one business management

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Enkelservice screenshot

Enkelservice

se

Modular back-office SaaS for Swedish small business.

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Esker screenshot

Esker

fr

AI-powered financial process automation platform built in France with native GDPR compliance and distributed EU data centers.

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Eudonet screenshot

Eudonet

fr

100% sovereign French SaaS CRM for mission-driven organizations.

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Exact Online screenshot

Exact Online

nl

AI-powered accounting and ERP software for 675,000+ SMEs and professional firms

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Factorial screenshot

Factorial

es

AI workforce operations platform where people and agents work as One

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Faktura screenshot

Faktura

se

Modern invoicing for Swedish companies.

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Fakturoid screenshot

Fakturoid

cz

Cloud-based invoicing and bookkeeping platform for Czech and Slovak entrepreneurs.

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FastBill screenshot

FastBill

de

German-built cloud accounting software for freelancers and small businesses with secure local data hosting.

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Fatture in Cloud screenshot

Fatture in Cloud

it

Italian cloud-based invoicing and business management software for professionals and SMEs.

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Fenerum screenshot

Fenerum

dk

Subscription management and financial insights on autopilot for SaaS companies

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Flexys screenshot

Flexys

gb

Enterprise debt collection platform automating workflows to collect more while improving outcomes and reducing risk.

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Fortnox screenshot

Fortnox

se

Sweden's leading cloud-based accounting and invoicing platform for small businesses and startups.

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FreeAgent screenshot

FreeAgent

gb

Cloud bookkeeping and accounting software with integrated payroll and direct HMRC tax filing for UK small businesses.

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Frisbii screenshot

Frisbii

de

European recurring revenue management platform combining subscription billing, payments, and analytics.

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GCollect screenshot

GCollect

fr

French debt collection platform combining digital efficiency with professional recovery specialists and ethical amicable settlement practices.

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GoCardless screenshot

GoCardless

gb

Cloud-based direct bank payment platform for recurring billing, invoices, and one-off collections.

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HRworks screenshot

HRworks

de

GDPR-native cloud HR platform for German mid-market businesses

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Hitobito screenshot

Hitobito

ch

Open source community management platform for complex organizational structures

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Holded screenshot

Holded

es

All-in-one cloud platform combining invoicing, accounting, CRM, HR, inventory, and projects for small businesses.

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Hyperline screenshot

Hyperline

fr

European revenue management platform automating the complete quote-to-cash workflow with flexible billing for SaaS.

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Inkasso screenshot

Inkasso

se

Debt-collection workflow for Swedish businesses.

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Instellix screenshot

Instellix

de

Future-first global monetization platform transforming billing complexity into clarity and growth at enterprise scale

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Intect screenshot

Intect

dk

Cloud-based Scandinavian payroll and HR system for managing multi-country employee payments and compliance

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InvoiceAdept screenshot

InvoiceAdept

Free UK invoice generator: PDF invoices with VAT & CIS, no sign-up

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InvoiceXpress screenshot

InvoiceXpress

pt

Cloud-based invoicing software for small businesses with Portuguese tax compliance built-in.

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Klippa (Doxis) SpendControl screenshot

Klippa (Doxis) SpendControl

de

AI-powered invoice processing and spend management platform with 99% accurate data extraction.

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Kontier screenshot

Kontier

Subscription and usage billing built for Europe

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Lago screenshot

Lago

fr

Open-source, metering and usage-based billing API with full deployment control and GDPR compliance

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Lano screenshot

Lano

de

Global payroll and employment management platform for companies with international teams

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LeanPay screenshot

LeanPay

fr

Cloud-based accounts receivable and debt collection platform eliminating late payments through automated reminders and dispute management.

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Lexware Office screenshot

Lexware Office

de

Cloud-based accounting software for German small businesses with automated receipt processing and tax authority recognition.

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Lön screenshot

Lön

se

Payroll for Swedish small business.

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MHR screenshot

MHR

gb

Cloud-based integrated HR, payroll, and finance platform for organizations across the UK, Ireland, and US.

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Medius screenshot

Medius

se

Cloud-based accounts payable automation with AI-driven invoice processing, Swedish-built with European data residency.

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Medlemsfaktura screenshot

Medlemsfaktura

se

Membership invoicing for Swedish associations.

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MembersApp.link screenshot

MembersApp.link

gb

Membership management software for associations and community groups with integrated payments and event ticketing

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Merit Aktiva screenshot

Merit Aktiva

ee

Cloud-based accounting software built in Estonia for simplicity and compliance.

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Meteroid screenshot

Meteroid

fr

Open-source billing infrastructure for SaaS with EU data residency and flexible monetization models.

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Midday screenshot

Midday

se

All-in-one business stack for freelancers and solo entrepreneurs.

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Mollie screenshot

Mollie

nl

European payment processing and financial management platform with Dutch data sovereignty and GDPR compliance.

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Moneybird screenshot

Moneybird

nl

Cloud-based accounting software that automates invoicing, VAT compliance, and bookkeeping for Dutch and European entrepreneurs.

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MyDSO Manager screenshot

MyDSO Manager

fr

Cloud-based cash collection and credit management software for optimizing DSO and customer risk across enterprises

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MyUnisoft screenshot

MyUnisoft

fr

Sovereign French accounting and SME management platform with integrated invoicing and EU data residency

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Norman screenshot

Norman

de

AI accountant automating accounting and taxes for European entrepreneurs.

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Odoo screenshot

Odoo

be

Open-source ERP and CRM suite built for European business integration and data sovereignty.

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Ordolio screenshot

Ordolio

be

Free membership management platform for associations, sports clubs, and youth groups, with revenue sharing via transaction fees

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Orgo screenshot

Orgo

ro

The Complete Membership Platform for Nonprofits

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Overit.sk screenshot

Overit.sk

Slovak company lookup and verification

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PAIR Finance screenshot

PAIR Finance

de

Europe's leading AI-based digital debt collection platform with multi-country orchestration.

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Paddle screenshot

Paddle

gb

Merchant of Record platform combining payments, tax compliance, and subscription management for digital product businesses.

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Papierkram screenshot

Papierkram

de

German-built, all-in-one cloud accounting for freelancers and small businesses with automated tax compliance.

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Parolla screenshot

Parolla

ie

Cloud payroll software built in Ireland for Irish businesses with ROS compliance and EU data hosting.

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PayFit screenshot

PayFit

fr

Cloud payroll and HR automation built for UK and European small businesses.

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PayPro screenshot

PayPro

se

Payment and economic-analysis platform for Swedish businesses.

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Payt screenshot

Payt

nl

Dutch copilot to accelerate invoice payments and automate debt collection

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Pennylane screenshot

Pennylane

fr

French all-in-one financial and accounting platform for SMEs and freelancers.

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Personio screenshot

Personio

de

The European all-in-one HR and payroll platform for growing companies.

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Pino screenshot

Pino

fi

Drupal-based membership management for associations and nonprofits

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Pro-Pay screenshot

Pro-Pay

be

ISAE 3402 certified Belgian payroll and HR outsourcing partner for complex compliance and international employee management.

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Procountor screenshot

Procountor

fi

Cloud-based Finnish accounting software for SMEs and accountants with real-time financial management.

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QUALCO Collections & Recoveries screenshot

QUALCO Collections & Recoveries

gr

Enterprise debt management and collections platform with omnichannel engagement and legal automation.

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Qonto screenshot

Qonto

fr

French-built business banking and invoicing platform for European SMEs and freelancers.

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Reviso screenshot

Reviso

dk

Pan-European cloud accounting platform with Nordic roots and 20+ years of SME bookkeeping expertise.

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Riverty Debt Collection screenshot

Riverty Debt Collection

de

AI-powered enterprise debt collection across 20+ countries with omnichannel engagement and customer flexibility.

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SD Worx screenshot

SD Worx

be

Europe's leading integrated HR, payroll, and time management platform serving employers across 30 countries

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Sage 50 Payroll screenshot

Sage 50 Payroll

gb

UK-built payroll software for small businesses with statutory compliance automation and union payroll expertise

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Salary.lu screenshot

Salary.lu

lu

GDPR-compliant payroll software built in Luxembourg for Luxembourg businesses.

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Sesame HR screenshot

Sesame HR

es

Cloud-based, all-in-one HR platform with global presence and enterprise-grade security.

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Sidetrade screenshot

Sidetrade

fr

AI-native order-to-cash platform for automating debt collection, payment reminders, and cash flow acceleration.

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Sifferbox screenshot

Sifferbox

Accounting, invoicing and payroll for Swedish small businesses.

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SnelStart screenshot

SnelStart

nl

Cloud-based Dutch accounting and business management software for SMEs and accountants.

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SparJo screenshot

SparJo

Personal budgeting and shared household planning without a bank connection.

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Spektrix screenshot

Spektrix

gb

Cloud-based ticketing, CRM, and fundraising platform for arts and cultural organizations

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Spendesk screenshot

Spendesk

fr

EU-licensed invoice automation and payment platform for European finance teams.

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SportMember screenshot

SportMember

gb

Cloud-based membership and club management platform for sports organizations.

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Storecove screenshot

Storecove

nl

The standard in global e-invoicing via unified API and compliance automation.

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TeamSystem screenshot

TeamSystem

it

Cloud-based invoicing and accounting platform built for Italian businesses and professionals.

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Teamspace screenshot

Teamspace

de

German-built SaaS for service businesses connecting projects, hours, and billing in real-time with GDPR and ISO 27001 compliance.

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Thesaurus Payroll Manager screenshot

Thesaurus Payroll Manager

ie

Irish payroll software for small businesses with 30 years of market-leading compliance expertise

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Tiime screenshot

Tiime

fr

Simple, free, 100% French all-in-one business management platform for French entrepreneurs.

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ToucanTech screenshot

ToucanTech

gb

All-in-one community management platform combining database, CRM, website, and events in one cloud system.

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Twikey screenshot

Twikey

be

European payment automation platform for recurring billing and SEPA mandate management.

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UniBee screenshot

UniBee

ee

Open-source subscription billing and payments platform built in Estonia

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Unifiedpost Group screenshot

Unifiedpost Group

be

Digital financial solutions for automated invoicing, payments, and tax compliance across global markets.

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Upflow screenshot

Upflow

fr

Paris-built Financial Relationship Management platform automating accounts receivable and payment collection for B2B businesses.

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VeryConnect screenshot

VeryConnect

gb

Cloud-based membership management software built for associations without enterprise overhead

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Visma Nmbrs screenshot

Visma Nmbrs

nl

Cloud payroll and HR automation for European SMEs and service providers.

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Visma e-conomic screenshot

Visma e-conomic

dk

Cloud-based accounting platform with automation, integrations, and built-in accountant access.

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Webio (Aryza Engage) screenshot

Webio (Aryza Engage)

ie

Conversational AI for credit, collections, and payment engagement

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White Fuse screenshot

White Fuse

gb

All-in-one membership management platform for UK organizations

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WorkMotion screenshot

WorkMotion

de

Global employment platform with owned subsidiaries in 160+ countries for compliant international hiring and payroll.

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Younium screenshot

Younium

se

Cloud-native subscription management platform unifying billing, revenue recognition, and analytics for B2B SaaS.

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Yuki screenshot

Yuki

nl

Cloud-native bookkeeping platform built for seamless collaboration between accountants and businesses.

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Yunits screenshot

Yunits

nl

The digital clubhouse: simple, smart and vibrant

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Zelt screenshot

Zelt

gb

All-in-one UK HR platform consolidating payroll, people operations, and IT management.

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Zervant screenshot

Zervant

fi

European cloud invoicing designed for sole traders and growing small businesses

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collect.AI screenshot

collect.AI

de

AI-powered SaaS for automated receivables management and intelligent debt collection

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e-Boekhouden screenshot

e-Boekhouden

nl

Cloud-based accounting software designed for Dutch entrepreneurs to simplify bookkeeping and tax compliance.

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e-conomic screenshot

e-conomic

dk

Denmark's leading cloud accounting software for SMEs and accountants with deep Nordic bank integration.

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easyVerein screenshot

easyVerein

de

Cloud-based association management software for nonprofits, sports clubs, and member organizations

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m3ter screenshot

m3ter

gb

Usage-based billing infrastructure that bridges modern pricing strategies with legacy CRM/ERP systems.

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sevDesk screenshot

sevDesk

de

German cloud accounting software with automated invoicing, receipt capture, and tax filing for SMEs.

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sheepCRM screenshot

sheepCRM

gb

UK-based membership management platform for professional associations and membership organizations

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smallinvoice screenshot

smallinvoice

ch

Swiss-built GDPR-compliant invoicing and admin platform for SMEs with data exclusively in Switzerland.

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weclapp screenshot

weclapp

de

German cloud ERP built ground-up for modern SME operations with strict EU data residency.

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Årsredovisning screenshot

Årsredovisning

se

Annual-report generation for Swedish companies.

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What we compare

  • Where the data is stored
  • Who owns the company
  • Documented data and deployment scope
  • Self-hosting option
  • Open source
  • Pricing model