European Accounting & Finance Alternatives

Payment platform for enterprises.

Cash flow management and forecasting platform for SMEs. Real-time visibility across multiple banks and entities.

Aircash is a mobile digital wallet providing instant money transfers, payments, and gift cards, enabling users to manage cash and digital transactions in one app.

Airtool delivers a unified AI-powered platform for ERP, HR, PM and CRM, connecting core business processes in a single, flexible system.

Pre-seed accelerator by Axel Springer and Porsche.

London-based venture capital firm founded by Skype co-founder investing in ambitious European tech founders.

Backbase is on a mission to put bankers back in the driver’s seat — fully equipped to lead the AI revolution and unlock remarkable growth and efficiency. At the

European-focused venture capital firm.

BANCOS offers software solutions for core banking systems and process automation - fully developed in Berlin, Germany, under independent ownership.

Bandit is the Italian platform that optimises the work of consultants, simplifying the entire application process for subsidised finance tenders. We reduce the time required to access public funds by 96% and cut application costs by 75%. As a Benefit Corporation, we work for those who work: we make consultants more efficient, increase their margins and allow them to serve more clients with less effort, lowering costs for individuals and multiplying funding opportunities.

Buy, sell and hold bitcoin.

Tech for good accelerator and early-stage investor.

Transforming the invoice-to-cash process, Billogram’s intelligent platform orchestrates payments, strengthens customer relationships, and reduces churn. It del

Bokio was founded in Gothenburg in 2015 with the goal of creating an innovative accounting service to free up time for entrepreneurs who want to focus on their business.

Boniforce delivers AI-powered real-time credit checks, combining financial and onlinedata to help companies assess risk, build trusted B2B relationships.

BR-DGE provides a modular payment orchestration platform that enables merchants to integrate multiple payment providers and streamline their checkout experience.

European early-stage tech VC.

We are bunq, bank of The Free. We’re here to break free from the status quo, and create a bank with our users in mind. Giving them the freedom to live life on t

Capto is a startup creating next-generation AI agents designed to automate tasks, streamline operations, and fuel innovation for businesses.

Carbon+Alt+Delete provides carbon accounting software specifically designed for sustainability consultants.

Wage, expenses and holiday pay - paid within 3 seconds.

Cegid is the European leader in cloud management solutions for finance (cash management, taxation, ERP), human resources (payroll, talent management), accountin

Payments platform.

Early-stage VC based in Berlin.

Payment acquiring for online merchants.

Nordic early-stage venture capital firm.

Cooperative-owned software provider for tax professionals, auditors, and SMEs. Core platform for accounting, payroll, and ERP in the DACH region.

Deploi provides institutional credit infrastructure, architecting scalable, asset-backed financial products for blockchain to offer fixed yield and access to private credit products for investments.

An all-in-one platform for freelance developers and small agencies to track hours, design React-based invoices, and automate billing.

For every administrative process, there is a solution that integrates seamlessly with existing portals and the Doccle community. Start with simple payment reque

Kerp provides a user-friendly, cloud-based accounting software for easy invoicing, bookkeeping, and financial reporting. The platform is in Danish.

European VC across digital tech and health.

EasyBiz provides AI streamlined incorporation and accounting services tailored for entrepreneurs in Luxembourg.

Stockholm-based venture arm of EQT backing European tech founders with operational support and capital.

Marketing budgeting software designed for CMOs. Manage budgets, automate spend tracking with AI-native platform.

Accounting and ERP software.

Advisory services for tech startups.

Invoices in one sentence — ready to send in seconds.

Field39 provides cutting-edge, cloud-based payment infrastructure solutions through its Cloud39 platform to ensure seamless and secure transaction processing.

The leader in embedded expense management - helping businesses launch their own expense solution.

Finnova is a leading provider of innovative banking software solutions, offering a comprehensive platform for digitalization and core banking services.

A white-label SaaS focused on helping accountants and entrepreneurs with monthly closing procedures, invoice digitalization and expense organization.

AI-powered back-office automation platform helping SMBs manage subscriptions, contracts, assets, invoices, and operations.

Accounting and invoicing platform.

One product. 17 years. 250+ employees. Over 200,000 users. There’s so much to say about it all. But here’s the version that fits the character limit. We’re F

Frisbii - Where revenue takes flight. Frisbii is a recurring billing platform that supports businesses with their subscription management, payments and recur

Direct debit payments platform.

gravitrade provides an automated trading platform designed to simplify investing through algorithmic strategies and user-friendly tools.

An all-in-one ERP for freelancers and SMEs to manage projects, timesheets, quotes, and invoicing, including Peppol compliance.

Business management suite for SMBs.

Holvi offers small businesses, from freelancers to micro businesses and growing startups, a home for their finances. With a business account and Mastercard, inv

A financial services platform (PSP) providing cross-border payments, currency exchange, and risk management solutions for international businesses.

A digital wallet providing financial services including money transfers, secure online payments, and virtual or physical cards through a mobile app.

Ignite is a procurement and supplier intelligence platform that unifies procurement data to provide insights you can act on. Gain control, uncover opportunities, and know where to focus to drive real impact.

European VC firm with offices in London and Geneva backing category-defining companies from seed to growth.

Inveztly’s cloud-based, accessible, and adaptive software comprises a multifunctional set of financial tools that daily assist users throughout the entire investment process.

Invoice Radar is an automated tool that finds, downloads, and organizes invoices from various portals and emails, streamlining the accounts payable process.

Modern REST API for Italian electronic invoicing (SDI FatturaPA), offering SDKs, sandbox environments, digital signatures, and webhooks.

Invono provides a digital platform for corporate governance, streamlining equity management, board work, and capital raises for companies.

Invopop provides a single API to automate global e-invoicing compliance, helping businesses issue compliant invoices in any format worldwide.

Award-winning cloud-based accounting and finance software designed for mid-sized organizations and nonprofits.

Provides blockchain-based B2B software to establish distributed financial infrastructure for more efficient processing of tokenised and traditional securities.

Keeyns centralises tax operations for international and multi-entity companies. One platform connecting workflows, documents and governance for total visibility and control.

Payments and checkout platform.

With Kleer's Finance-as-a-Service (FaaS) model, customers get a complete solution for financial and payroll management that is industry-focused and combines smart automation.

Data Engineering PaaS and IT Consulting for Retailers/Factories

Big Four professional services firm offering audit, tax, and advisory services to European tech companies.

European VC backing technology companies.

Cloud accounting for SMBs.

Leyoda is an investment platform that connects investors with innovative European startups to simplify and supercharge the startup investment process.

Blockchain Finance is fragmented across hundreds of blockchains, token standards, exchanges, and bridges. LI.FI routes, orchestrates and composes transactions across all of it, abstracting away hundreds of APIs.

LifeGoals is revolutionising the pension landscape by seamlessly integrating 2nd pillar and 3rd pillar pensions on a single platform.

Financial intelligence platform that automates reporting, consolidation, budgeting, and cash flow for SMEs and finance professionals.

A real estate crowdfunding platform that enables investors to participate in local property development projects and professional real estate investments.

We are the world’s only true SaaS cloud banking platform and the founders of composable banking. Since 2011, we’ve helped banks, fintechs, lenders, credit unio

Payment infrastructure for platforms and marketplaces.

Meteroid is an open-source monetization platform that gives SaaS companies one engine to run their complete billing stack.

Payments for SMEs and platforms.

corporate content never felt like Monzo.

N26 SE is Europe’s leading digital bank with a full German banking licence. Built on the latest technology, N26’s mobile banking experience makes managing money

Payments solutions.

Nmbrs provides cloud-based HR and payroll software designed to streamline processes for employers and accounting firms.

Nordiska is a bank that provides innovative financial products for both companies and consumers. Nordiska Embedded is a platform for built-in financial services

German growth private equity firm providing capital and strategic support for technology companies in the DACH region.

Early-stage VC investing across Europe.

Tech-powered accounting service for SMEs, built to replace the traditional accountant model

Ohpen is a cloud-native core banking platform provider that powers savings, investments, mortgages, and loan products for financial institutions.

ONINO provides a white-label platform for issuing digital securities and tokenized assets, featuring KYC, compliance, and investor onboarding across the EU.

Onventis provides cloud‑based e‑procurement and supplier management solutions to digitalize and optimize purchasing and financial processes.

Oper is a digital mortgage origination platform that helps financial institutions digitize and streamline their mortgage lending processes.

Global VC with European roots.

A fintech-powered solution that offers the most efficient IP renewal process, all at a fraction of the usual market price.

Payhawk is an AI-native spend management platform that orchestrates global money across Bills, Cards, Expenses, Travel, and Procurement for maximum control, aut

Payments for merchants.

Payments and finance services.

Payments platform for merchants.

Peaky helps founders and finance teams stay ahead of every shift in their business.

Accounting and finance platform.

Company cards and spend management.

Pliant offers a digital B2B credit card solution designed to help businesses optimize their payment processes and expenses.

B2B SaaS and marketplace-focused seed VC.

POM provides professional debt management and invoice collection software solutions to streamline billing, payments, and follow-ups.

Freeware (closed source) for viewing and visualizing electronic invoices according to the european e-invoicing norm EN 16931-1. For data protection reasons, the software is designed exclusively for offline use.

Profluo provides AI-powered automation solutions to optimize invoice processing, simplify financial workflows, and reduce operational costs.

Audit, tax, and advisory for tech companies.

Business banking for SMEs.

Payments for merchants and platforms.

Aggregate and analyse transcripts from Local Authorities. Know what councils are planning before they procure — and build the relationships that win contracts.

Reiterate OS is an AI-powered operating system for finance teams. It sits alongside your existing tools and files and turns manual, repetitive financial processes into automated and auditable workflows. Built to handle large amounts of financial data, Reiterate OS automates everything from data preprocessing and core accounting operations to financial close and FP&A, while prioritizing accuracy and auditability.

Business banking and cards.

A financial services provider offering flexible payment solutions: Buy Now Pay Later, monthly billing, and installments for consumers and merchants.

An AI-powered platform that transforms unstructured data into standardized working papers for audit, tax, and finance professionals.

Rozes AI provides the best platform for automated financial crime risk detection and compliance monitoring using advanced data analytics and AI.

Rydoo provides a smart expense management solution that helps businesses digitize and automate their expense reporting and travel processes.

Accounting software for SMBs.

SAP is the leading enterprise application and business AI company. We stand at the intersection of business and technology, where our innovations are designed t

A leading digital investment platform offering commission-free trading in stocks, ETFs, and crypto, alongside automated robo-advisor services.

secupay is a payment service provider for online shops, platforms, and point-of-sale businesses, also offering customer loyalty programs.

London-based pre-seed fund and accelerator backing world-class founders solving real problems with technology.

SeedLegals is the one-stop platform for the legals to grow your business, raise investment and legal contracts you'll likely need. We guide, educate and empowe

Semantic Software delivers powerful and innovative ERP and retail software solutions, specializing in fully digital and automated business processes. Moreover, Semantinc Software stands as a dominant force in the Greek market, offering the modern electronic invoicing platform emblem.gr, the fully compliant Digital Work Card solution EmblemErgani, the pioneering cloud payroll service Emblem Salary, and the advanced order management and self-ordering system garsonista.gr.

Invoicing and accounting for SMBs.

Develops software and services for professional firms, accountants, labor consultants, lawyers, and businesses, with 50 years of experience in the Italian market.

Sofort: Direct payment via online banking When shopping online, select Online Bank Transfer with Sofort as the payment method. This automatically redirects you

Soldo is the proactive spend management solution that frees up businesses to accomplish more. We champion the notion of Progressive Finance, because we believe

Solvimon is the EU's billing infrastructure for companies that have outgrown Stripe. One system handles hybrid pricing, AI credits, multi-entity invoicing, and enterprise contracts — no glue code, no reconciliation spreadsheets. Built by the team behind Adyen's billing engine. Companies like Yapily, Hawk:ai, Gigs and Booking.com use it to launch pricing faster and close books on time.

Pan-European pre-seed and seed investor.

SpeedLedger makes it easier to run a small business. By automating day-to-day accounting, SpeedLedger helps more than 25,000 small business owners save time and stay organized.

Spend management platform.

Flexible accounting platform for Swedish businesses (formerly Visma Spcs). Combines bookkeeping, invoicing, and payroll with smart automation.

Spreat is disrupting the commerce industry by transforming every store into a physical marketplace

Stacks is an AI close management platform for mid-market and enterprise finance teams. It cuts close time by 70%+ by automating reconciliations, journal entries, and variance analysis. Finance teams at globally operating public and private enterprises including Future Limited, Datavant, and Epidemic Sound trust Stacks to support complex, high-volume, multi-entity and multi-currency close operations with strict control and audit requirements.

Payment solution for businesses.

Hello, we’re Starling. Banking was broken – so we decided to fix it. The vision? Fast technology, fair service and honest values. All at the tap of a phone, al

Payments and POS for SMBs.

Stripe Connect for regulatory compliance. Onboarding, Verification, Data Enrichment, Orchestration & Reporting for platforms to scale across regulations.

Swipelux is a stablecoin infrastructure provider powering fintechs, neobanks, and remittance companies with fast, low-cost cross-border payments.

Synergen provides transfer pricing automation and cash pool management software, enabling precise, automated arm's length interest rates and OECD compliance.

Tailride provides AI-powered software for automating invoice and receipt extraction from emails and web portals.

Talky Labs empower´s finance departments to operate without limits, processing a full year's worth of complex journal entries in just half a day.

Our mission at Temenos is to lead financial institutions forward by innovating on the most widely-used, and most trusted, technology solutions. Banks of all siz

Tide helps SMEs save time (and money) in the running of their businesses by not only offering business accounts and related banking services, but also a compreh

Open banking platform.

Tot is an Italian fintech building the financial operating system for SMEs and startups. We offer business accounts, smart payment cards, invoice management and expense management tools designed to simplify finance operations and support sustainable growth.

Bank payments platform.

Twikey offers smart solutions for recurring payments and e-mandates, helping businesses automate direct debits and invoice follow-ups through their own bank.

Unit4's next-generation enterprise resource planning (ERP) solutions power many of the world's mid-market organizations, bringing together the capabilities of F

Payments platform for merchants and platforms.

Upvest provides a scalable Investment API that enables businesses to build and integrate seamless investment experiences into their products.

At Valuno we're shaping the future of finance. Founded in 2016, we're a Swedish fintech company on a mission to make cryptocurrency an integral part of everyd

An intelligent procurement platform that uses AI insights and agentic workflows to help finance and procurement teams optimize SaaS and cloud spending.

Business software suite across Europe.

Payments and business banking platform.

A financial platform offering business accounts, high interest rates, and secure banking solutions for companies and self-employed individuals.

International payments and business accounts.

Wolters Kluwer (EURONEXT: WKL) is a global leader in information, software solutions, and services for professionals in healthcare; tax and accounting; financia

Payments and transactional services.

ERP and operations platform.

Open banking without regulatory complexity, third-party branding, or data access.

AI-powered spend management platform. Automates expense reports, invoice processing, and corporate card management.

Zettle by PayPal is on a mission to help small businesses succeed in a world of giants. Founded in Stockholm in 2010, the financial technology company revolutio