European Fintech
Payments, invoicing and finance tools that keep money and data inside the EU.
Start with the work you need to do. Compare features, cost, ownership and documented data storage to decide which tools to evaluate.
European alternatives in this category

AFAS
nlDutch-built ERP and payroll software with native GDPR compliance and Dutch law expertise.
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Abacus
chSwiss-made modular ERP for mid-market businesses across financial services, real estate, and healthcare.
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Accace
skInternational BPO consultancy providing integrated payroll, accounting, and HR outsourcing across 60+ jurisdictions.
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Accountable
beAI-powered invoicing and tax automation for German self-employed and small businesses
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Admidio
deFree, open-source membership management for organizations seeking full data control
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Agicap CashCollect
frAutomate customer payment collection with intelligent dunning and real-time receivables visibility across Europe
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Alguna
gbUnified monetization engine consolidating pricing, billing, and revenue operations for modern SaaS and FinTech.
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Aryza
ieGlobal SaaS solutions for financial services managing customers across the complete credit lifecycle.
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AssoConnect
frCloud-based association management unifying accounting, payments, members, and communications
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Aufinity
deAutonomous payment orchestration platform automating invoicing, reminders, and reconciliation for automotive dealers.
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BPiON
huEnterprise BPO platform for outsourced payroll, accounting, and HR administration across Central and Eastern Europe.
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Basware
FICloud-native AP automation and invoice processing platform built in Finland with EU data residency.
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Bexio
chAll-in-one Swiss cloud business software for SMEs combining accounting, invoicing, and payroll.
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Billabex
frAI-powered payment reminder automation that reduces collection workload while maintaining client relationships.
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Billit
beBelgian e-invoicing platform with Peppol network integration for automated billing
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Billogram
seCloud-based invoice-to-cash orchestration for European businesses with recurring revenue models
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Billwerk+ (Frisbii)
deEuropean subscription billing platform automating recurring revenue with predictive analytics
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Billy
dkFree and simple bookkeeping software for small Danish and Nordic businesses
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Bizonylat
NAV-compatible online invoicing for Hungary
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Bokföring
seBookkeeping for Swedish small business.
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BrightPay
gbCloud payroll software built for UK and Ireland compliance.
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BuchhaltungsButler
deIntelligent German cloud accounting software that automates 76% of bookkeeping work with AI and tax compliance built-in.
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CashOnTime
frIntelligent 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
gbCloud HR and payroll software that keeps people connected, wherever they work.
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Clearnox
beCloud-based accounts receivable platform that automates payment reminders and speeds up cash collection
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Cleavr
frAI-powered accounts receivable automation transforming invoice-to-cash workflows
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Clubee
luAll-in-one AI-powered platform for sports clubs, leagues, and federation management
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Clubforce
ieAll-in-one sports club management platform for memberships, payments, and communications
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Creem
eeAll-in-one payments, taxes, and compliance for software companies
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DebtView
gbCloud-based debt collection software with automated multi-channel customer contact and flexible customization.
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Debtist
deDigital debt collection across Europe with AI automation, no upfront costs.
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Dinero
dkCloud-based accounting made simple for Danish self-employed and small businesses
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Dolibarr
frThe easiest open-source ERP and CRM system for all-in-one business management
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Enkelservice
seModular back-office SaaS for Swedish small business.
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Esker
frAI-powered financial process automation platform built in France with native GDPR compliance and distributed EU data centers.
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Eudonet
fr100% sovereign French SaaS CRM for mission-driven organizations.
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Exact Online
nlAI-powered accounting and ERP software for 675,000+ SMEs and professional firms
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Factorial
esAI workforce operations platform where people and agents work as One
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Faktura
seModern invoicing for Swedish companies.
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Fakturoid
czCloud-based invoicing and bookkeeping platform for Czech and Slovak entrepreneurs.
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FastBill
deGerman-built cloud accounting software for freelancers and small businesses with secure local data hosting.
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Fatture in Cloud
itItalian cloud-based invoicing and business management software for professionals and SMEs.
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Fenerum
dkSubscription management and financial insights on autopilot for SaaS companies
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Flexys
gbEnterprise debt collection platform automating workflows to collect more while improving outcomes and reducing risk.
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Fortnox
seSweden's leading cloud-based accounting and invoicing platform for small businesses and startups.
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FreeAgent
gbCloud bookkeeping and accounting software with integrated payroll and direct HMRC tax filing for UK small businesses.
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Frisbii
deEuropean recurring revenue management platform combining subscription billing, payments, and analytics.
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GCollect
frFrench debt collection platform combining digital efficiency with professional recovery specialists and ethical amicable settlement practices.
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GoCardless
gbCloud-based direct bank payment platform for recurring billing, invoices, and one-off collections.
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HRworks
deGDPR-native cloud HR platform for German mid-market businesses
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Hitobito
chOpen source community management platform for complex organizational structures
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Holded
esAll-in-one cloud platform combining invoicing, accounting, CRM, HR, inventory, and projects for small businesses.
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Hyperline
frEuropean revenue management platform automating the complete quote-to-cash workflow with flexible billing for SaaS.
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Inkasso
seDebt-collection workflow for Swedish businesses.
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Instellix
deFuture-first global monetization platform transforming billing complexity into clarity and growth at enterprise scale
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Intect
dkCloud-based Scandinavian payroll and HR system for managing multi-country employee payments and compliance
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InvoiceAdept
Free UK invoice generator: PDF invoices with VAT & CIS, no sign-up
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InvoiceXpress
ptCloud-based invoicing software for small businesses with Portuguese tax compliance built-in.
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Klippa (Doxis) SpendControl
deAI-powered invoice processing and spend management platform with 99% accurate data extraction.
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Kontier
Subscription and usage billing built for Europe
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Lago
frOpen-source, metering and usage-based billing API with full deployment control and GDPR compliance
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Lano
deGlobal payroll and employment management platform for companies with international teams
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LeanPay
frCloud-based accounts receivable and debt collection platform eliminating late payments through automated reminders and dispute management.
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Lexware Office
deCloud-based accounting software for German small businesses with automated receipt processing and tax authority recognition.
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Lön
sePayroll for Swedish small business.
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MHR
gbCloud-based integrated HR, payroll, and finance platform for organizations across the UK, Ireland, and US.
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Medius
seCloud-based accounts payable automation with AI-driven invoice processing, Swedish-built with European data residency.
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Medlemsfaktura
seMembership invoicing for Swedish associations.
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MembersApp.link
gbMembership management software for associations and community groups with integrated payments and event ticketing
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Merit Aktiva
eeCloud-based accounting software built in Estonia for simplicity and compliance.
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Meteroid
frOpen-source billing infrastructure for SaaS with EU data residency and flexible monetization models.
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Midday
seAll-in-one business stack for freelancers and solo entrepreneurs.
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Mollie
nlEuropean payment processing and financial management platform with Dutch data sovereignty and GDPR compliance.
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Moneybird
nlCloud-based accounting software that automates invoicing, VAT compliance, and bookkeeping for Dutch and European entrepreneurs.
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MyDSO Manager
frCloud-based cash collection and credit management software for optimizing DSO and customer risk across enterprises
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MyUnisoft
frSovereign French accounting and SME management platform with integrated invoicing and EU data residency
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Norman
deAI accountant automating accounting and taxes for European entrepreneurs.
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Odoo
beOpen-source ERP and CRM suite built for European business integration and data sovereignty.
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Ordolio
beFree membership management platform for associations, sports clubs, and youth groups, with revenue sharing via transaction fees
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Orgo
roThe Complete Membership Platform for Nonprofits
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Overit.sk
Slovak company lookup and verification
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PAIR Finance
deEurope's leading AI-based digital debt collection platform with multi-country orchestration.
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Paddle
gbMerchant of Record platform combining payments, tax compliance, and subscription management for digital product businesses.
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Papierkram
deGerman-built, all-in-one cloud accounting for freelancers and small businesses with automated tax compliance.
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Parolla
ieCloud payroll software built in Ireland for Irish businesses with ROS compliance and EU data hosting.
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PayFit
frCloud payroll and HR automation built for UK and European small businesses.
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PayPro
sePayment and economic-analysis platform for Swedish businesses.
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Payt
nlDutch copilot to accelerate invoice payments and automate debt collection
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Pennylane
frFrench all-in-one financial and accounting platform for SMEs and freelancers.
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Personio
deThe European all-in-one HR and payroll platform for growing companies.
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Pino
fiDrupal-based membership management for associations and nonprofits
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Pro-Pay
beISAE 3402 certified Belgian payroll and HR outsourcing partner for complex compliance and international employee management.
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Procountor
fiCloud-based Finnish accounting software for SMEs and accountants with real-time financial management.
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QUALCO Collections & Recoveries
grEnterprise debt management and collections platform with omnichannel engagement and legal automation.
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Qonto
frFrench-built business banking and invoicing platform for European SMEs and freelancers.
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Reviso
dkPan-European cloud accounting platform with Nordic roots and 20+ years of SME bookkeeping expertise.
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Riverty Debt Collection
deAI-powered enterprise debt collection across 20+ countries with omnichannel engagement and customer flexibility.
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SD Worx
beEurope's leading integrated HR, payroll, and time management platform serving employers across 30 countries
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Sage 50 Payroll
gbUK-built payroll software for small businesses with statutory compliance automation and union payroll expertise
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Salary.lu
luGDPR-compliant payroll software built in Luxembourg for Luxembourg businesses.
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Sesame HR
esCloud-based, all-in-one HR platform with global presence and enterprise-grade security.
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Sidetrade
frAI-native order-to-cash platform for automating debt collection, payment reminders, and cash flow acceleration.
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Sifferbox
Accounting, invoicing and payroll for Swedish small businesses.
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SnelStart
nlCloud-based Dutch accounting and business management software for SMEs and accountants.
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SparJo
Personal budgeting and shared household planning without a bank connection.
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Spektrix
gbCloud-based ticketing, CRM, and fundraising platform for arts and cultural organizations
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Spendesk
frEU-licensed invoice automation and payment platform for European finance teams.
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SportMember
gbCloud-based membership and club management platform for sports organizations.
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Storecove
nlThe standard in global e-invoicing via unified API and compliance automation.
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TeamSystem
itCloud-based invoicing and accounting platform built for Italian businesses and professionals.
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Teamspace
deGerman-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
ieIrish payroll software for small businesses with 30 years of market-leading compliance expertise
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Tiime
frSimple, free, 100% French all-in-one business management platform for French entrepreneurs.
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ToucanTech
gbAll-in-one community management platform combining database, CRM, website, and events in one cloud system.
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Twikey
beEuropean payment automation platform for recurring billing and SEPA mandate management.
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UniBee
eeOpen-source subscription billing and payments platform built in Estonia
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Unifiedpost Group
beDigital financial solutions for automated invoicing, payments, and tax compliance across global markets.
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Upflow
frParis-built Financial Relationship Management platform automating accounts receivable and payment collection for B2B businesses.
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VeryConnect
gbCloud-based membership management software built for associations without enterprise overhead
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Visma Nmbrs
nlCloud payroll and HR automation for European SMEs and service providers.
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Visma e-conomic
dkCloud-based accounting platform with automation, integrations, and built-in accountant access.
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Webio (Aryza Engage)
ieConversational AI for credit, collections, and payment engagement
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White Fuse
gbAll-in-one membership management platform for UK organizations
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WorkMotion
deGlobal employment platform with owned subsidiaries in 160+ countries for compliant international hiring and payroll.
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Younium
seCloud-native subscription management platform unifying billing, revenue recognition, and analytics for B2B SaaS.
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Yuki
nlCloud-native bookkeeping platform built for seamless collaboration between accountants and businesses.
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Yunits
nlThe digital clubhouse: simple, smart and vibrant
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Zelt
gbAll-in-one UK HR platform consolidating payroll, people operations, and IT management.
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Zervant
fiEuropean cloud invoicing designed for sole traders and growing small businesses
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collect.AI
deAI-powered SaaS for automated receivables management and intelligent debt collection
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e-Boekhouden
nlCloud-based accounting software designed for Dutch entrepreneurs to simplify bookkeeping and tax compliance.
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e-conomic
dkDenmark's leading cloud accounting software for SMEs and accountants with deep Nordic bank integration.
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easyVerein
deCloud-based association management software for nonprofits, sports clubs, and member organizations
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m3ter
gbUsage-based billing infrastructure that bridges modern pricing strategies with legacy CRM/ERP systems.
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sevDesk
deGerman cloud accounting software with automated invoicing, receipt capture, and tax filing for SMEs.
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sheepCRM
gbUK-based membership management platform for professional associations and membership organizations
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smallinvoice
chSwiss-built GDPR-compliant invoicing and admin platform for SMEs with data exclusively in Switzerland.
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weclapp
deGerman cloud ERP built ground-up for modern SME operations with strict EU data residency.
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Årsredovisning
seAnnual-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