Alternativas europeas a Square Invoices
Square Invoices es sólido si procesas pagos estadounidenses a través de Square. Si necesitas datos de la UE, cumplimiento fiscal de la UE o los nuevos mandatos de e-facturación, estarás mirando hacia otro lado—y tienes un montón de opciones reales.
La gente abandona Square Invoices cuando realmente enfrentan RGPD. Tus datos se sientan en centros de datos estadounidenses, lo que significa exposición a la Ley Patriota y fricción de cumplimiento si estás vendiendo a clientes de la UE u operando bajo ley de la UE. Square no maneja nativamente la complejidad de IVA de la UE, mandatos de e-facturación (ZUGFeRD, XRechnung, Peppol, FatturaPA) o los plazos emergentes de presentación de e-factura obligatoria en todo el bloque. También estás atado al ecosistema de pagos de Square—conveniente si ya estás usando sus terminales, pero un lastre si tus clientes necesitan iDEAL, SEPA o métodos de pago locales.
El verdadero tirón de alternativas de la UE no es innovación—es cumplimiento y cordura de datos. Negocios alemanes necesitan integración ELSTER y estándares DIN; españoles necesitan Verifactu; daneses necesitan cumplimiento CVR. Empresas francesas ahora enfrentan e-facturación obligatoria sep 2026. Square Invoices no te da nada de eso fuera de la caja. Estarías instalando soluciones alternativas o contratando a una persona de cumplimiento.
Dónde se construye, posee y aloja cada alternativa
| Producto | Creado en | Ubicación de los datos | Propiedad UE | Autoalojable | Código abierto | Ideal para | Precio |
|---|---|---|---|---|---|---|---|
| AccountableGerman self-employed professionals and small business owners automating invoicing and tax compliance | be | Mixed | ✓ | – | – | SME | Freemium |
| BaswareMid-market to large enterprises automating invoice processing and AP operations globally | FI | EU | – | – | – | SME+Enterprise | De pago |
| BillitSmall businesses and freelancers automating invoicing and expense management | be | EU | ✓ | – | – | SME+Enterprise | Freemium |
| DineroSelf-employed professionals and small business owners seeking simple, guided accounting without specialist knowledge | dk | Nordic | ✓ | – | – | SME | Freemium |
| e-conomicDanish and Nordic SMEs automating invoicing and bookkeeping. | dk | Unknown | ✓ | – | – | SME+Enterprise | Freemium |
| Faktura· del fundador | se | EU | ✓ | – | – | — | De pago |
| FastBillGerman freelancers and small businesses needing automated invoicing with GDPR-compliant accounting | de | EU | ✓ | – | – | SME | Freemium |
| FortnoxSwedish startups and small businesses needing integrated accounting and invoicing | se | Unknown | ✓ | – | – | SME | Freemium |
| HoldedSmall businesses and freelancers needing integrated invoicing, accounting, CRM, and HR in one platform | es | EU | ✓ | – | – | SME | Freemium |
| InvoiceXpressSmall businesses and freelancers needing Portuguese tax-compliant invoicing | pt | Mixed | – | – | – | SME+Enterprise | Freemium |
| Klippa (Doxis) SpendControlOrganisations needing to automate invoice processing and expense management with 99% accurate OCR data extraction. | de | EU | ✓ | ✓ | ✓ | SME+Enterprise | Contacto |
| Lexware OfficeFreelancers and small teams handling invoices and accounting without specialists | de | EU | ✓ | – | – | SME | Freemium |
| MediusCompanies automating accounts payable with GDPR-compliant Nordic origins | se | Mixed | – | ✓ | – | SME+Enterprise | Contacto |
| MiddayFreelancers and solo entrepreneurs managing invoicing, time tracking, and business operations | se | Mixed | ✓ | ✓ | ✓ | SME | Freemium |
| MoneybirdDutch and EU-based freelancers and small businesses needing automated invoicing and VAT compliance | nl | EU | ✓ | – | – | SME | Freemium |
| PennylaneFrench SMEs and micro-enterprises needing unified invoicing, accounting, and cash flow management | fr | EU | ✓ | – | – | SME | Freemium |
| QontoFrench/European small businesses and freelancers managing finances, invoicing, and banking in one platform. | fr | EU | ✓ | – | – | SME+Enterprise | Freemium |
| sevDeskGerman freelancers and small businesses handling invoicing and tax compliance | de | EU | ✓ | – | – | SME | Freemium |
| smallinvoiceSwiss and EU SMEs needing GDPR-compliant invoicing with QR-Bill support | ch | EU | ✓ | – | – | SME | Freemium |
| SpendeskEuropean SMEs and mid-market companies automating AP and invoice workflows | fr | EU | ✓ | – | – | SME+Enterprise | Freemium |
| StorecoveBusinesses needing compliant multi-country e-invoicing via unified API | nl | Mixed | ✓ | – | – | SME+Enterprise | Freemium |
| TeamspaceService businesses with 5-250 employees needing unified project-to-invoice workflows | de | EU | ✓ | – | – | SME | Freemium |
| Unifiedpost GroupBusinesses automating invoicing and financial workflows across multiple regulated markets. | be | Unknown | ✓ | – | – | SME+Enterprise | Contacto |
| ZervantSole traders and small businesses needing simple online invoicing without complexity | fi | EU | ✓ | – | – | SME | Freemium |
Accountable
beAI-powered invoicing and tax automation for German self-employed and small businesses
- Datos: Mixed
- Nativo RGPD
- Propiedad UE
Basware
FICloud-native AP automation and invoice processing platform built in Finland with EU data residency.
- Datos: EU
- Nativo RGPD
Billit
beBelgian e-invoicing platform with Peppol network integration for automated billing
- Datos: EU
- Nativo RGPD
- Propiedad UE
Dinero
dkCloud-based accounting made simple for Danish self-employed and small businesses
- Datos: Nordic
- Nativo RGPD
- Propiedad UE
e-conomic
dkDenmark's leading cloud accounting software for SMEs and accountants with deep Nordic bank integration.
- Nativo RGPD
- Propiedad UE
Faktura
seFacturación moderna para empresas suecas.
- Datos: EU
- Nativo RGPD
- Propiedad UE
FastBill
deGerman-built cloud accounting software for freelancers and small businesses with secure local data hosting.
- Datos: EU
- Nativo RGPD
- Propiedad UE
Fortnox
seSweden's leading cloud-based accounting and invoicing platform for small businesses and startups.
- Propiedad UE
Holded
esAll-in-one cloud platform combining invoicing, accounting, CRM, HR, inventory, and projects for small businesses.
- Datos: EU
- Nativo RGPD
- Propiedad UE
InvoiceXpress
ptCloud-based invoicing software for small businesses with Portuguese tax compliance built-in.
- Datos: Mixed
- Nativo RGPD
Klippa (Doxis) SpendControl
deAI-powered invoice processing and spend management platform with 99% accurate data extraction.
- Datos: EU
- Nativo RGPD
- Propiedad UE
- Autoalojable
- Código abierto
Lexware Office
deCloud-based accounting software for German small businesses with automated receipt processing and tax authority recognition.
- Datos: EU
- Nativo RGPD
- Propiedad UE
Medius
seCloud-based accounts payable automation with AI-driven invoice processing, Swedish-built with European data residency.
- Datos: Mixed
- Nativo RGPD
- Autoalojable
Midday
seAll-in-one business stack for freelancers and solo entrepreneurs.
- Datos: Mixed
- Nativo RGPD
- Propiedad UE
- Autoalojable
- Código abierto
Moneybird
nlCloud-based accounting software that automates invoicing, VAT compliance, and bookkeeping for Dutch and European entrepreneurs.
- Datos: EU
- Nativo RGPD
- Propiedad UE
Pennylane
frFrench all-in-one financial and accounting platform for SMEs and freelancers.
- Datos: EU
- Nativo RGPD
- Propiedad UE
Qonto
frFrench-built business banking and invoicing platform for European SMEs and freelancers.
- Datos: EU
- Nativo RGPD
- Propiedad UE
sevDesk
deGerman cloud accounting software with automated invoicing, receipt capture, and tax filing for SMEs.
- Datos: EU
- Nativo RGPD
- Propiedad UE
smallinvoice
chSwiss-built GDPR-compliant invoicing and admin platform for SMEs with data exclusively in Switzerland.
- Datos: EU
- Nativo RGPD
- Propiedad UE
Spendesk
frEU-licensed invoice automation and payment platform for European finance teams.
- Datos: EU
- Nativo RGPD
- Propiedad UE
Storecove
nlThe standard in global e-invoicing via unified API and compliance automation.
- Datos: Mixed
- Nativo RGPD
- Propiedad UE
Teamspace
deGerman-built SaaS for service businesses connecting projects, hours, and billing in real-time with GDPR and ISO 27001 compliance.
- Datos: EU
- Nativo RGPD
- Propiedad UE
Unifiedpost Group
beDigital financial solutions for automated invoicing, payments, and tax compliance across global markets.
- Propiedad UE
Zervant
fiEuropean cloud invoicing designed for sole traders and growing small businesses
- Datos: EU
- Nativo RGPD
- Propiedad UE
Nuestra valoración honesta
Para pequeños negocios alemanes, sevDesk y FastBill ambos superan a Square de forma decisiva: ELSTER nativo, ZUGFeRD/XRechnung, certificados GDPR TÜV y alojamiento alemán. Para pymes españolas, Holded es más rápido e integrado (plataforma 6-en-1 con Verifactu). Para negocios nórdicos, Dinero (Dinamarca), e-conomic (Dinamarca) y Fortnox (Suecia) están construidos para presentación fiscal local. Empresas francesas deben usar Pennylane o Qonto—cumplimiento de e-facturación obligatoria y banca de la UE integradas.
La posición honesta de Faktura: Es una herramienta de facturación alojada en la UE sueca para pymes suecas. Pierde ante Square en integración de pagos globales y simplicidad multimoneda. Pierde ante sevDesk y FastBill en automatización específica alemana (ELSTER, escaneo de recibos automatizado, herramientas nativas de asesor fiscal). Gana estrechamente si eres una pyme sueca que necesita facturación muerta-sencilla, alojamiento sueco y nada más. Si necesitas integraciones, automatización de IVA o amplitud de procesamiento de pagos, estarías mejor servido por Holded (España), Moneybird (Países Bajos) o Dinero (Dinamarca). El fracaso de Square aquí no es la victoria de Faktura—es que herramientas nativas de la UE existen y están mejor adaptadas a las necesidades de cumplimiento reales de cada país.
Qué comparamos
- Dónde se almacenan los datos
- De quién es la empresa
- RGPD nativo por diseño
- Opción de autoalojamiento
- Código abierto
- Modelo de precios