Bookkeeping and invoicing software for companies that keep their own books, from quotes and invoices through bank reconciliation to the yearly return. Every tool below is measured against the same criteria, in the same order.
Corporate cards, expenses and accounts payable in one place, with a free tier and a two-way sync into the accounting system rather than a ledger of its own.
Strengths
Free plan with cards, expenses, accounts payable and accounting sync at no software cost
Cards, expense management and bill pay in one system rather than three
Real-time sync with NetSuite, QuickBooks, Xero, Sage Intacct, Workday and Oracle
Public developer API with webhooks, and an official MCP server for AI assistants
1099 automation and filing included in Bill Pay
Limitations
No customer invoicing or accounts receivable at all
Not a general ledger; a separate accounting system is still needed
Plus adds a platform fee based on team size on top of the per-user price
Advanced ERP integrations, multi-entity support and audit logging need Plus or Enterprise
German bookkeeping and invoicing software built around the handover to the tax firm, from quote to VAT return.
Strengths
Bookkeeping data goes to the tax firm through the DATEV data centre, which is the standard route in Germany and removes the export-and-email step
E-invoicing in ZUGFeRD 2.1 and XRechnung 3.X to the legal standard EN 16931 is in the base product
Booking proposals come from OCR on digitised documents and from bank and PayPal or Amazon statements, with the booking linked to its document
Free 30-day trial version of the compact edition
Limitations
DATEV ties the use of its products to collaboration with a DATEV member, a tax adviser or lawyer, so it cannot be bought as a standalone subscription
The compact editions leave out digital document booking, electronic bank statement booking, the Controllingreport, the dunning workflow and the ABC analysis
Working at several workstations requires the multi-workstation ITU variant
DATEV Unternehmen online, the piece that digitises incoming invoices and runs cash books, is a separate order
German market only in practice: the product is built around German charts of accounts, GoBD and the German tax filing route
All-in-one business management for freelancers and agencies, with invoicing, payments, expense and income tracking and two-way QuickBooks and Xero sync.
Strengths
All-in-one invoicing, payments, proposals, contracts, CRM and projects for freelancers and agencies
Two-way sync with QuickBooks Online and Xero keeps accounting records accurate
Recurring billing, multiple currencies and a client portal
MCP server lets AI assistants such as Claude, ChatGPT and Gemini act on your data
Limitations
Invoicing and payments require the Essentials plan, not Basic
Accounting relies on the QuickBooks or Xero integration rather than a built-in ledger
The Xero integration and expense markup are reserved for the Elite plan
Accounts payable, accounts receivable and spend automation for small and mid-sized businesses, syncing with the accounting system rather than replacing it.
Strengths
Automates accounts payable and receivable with approval workflows
Two-way sync with the accounting platform a business already uses
Separate Spend & Expense product with corporate cards is free to use
v3 REST API with webhooks on the higher plans
Limitations
Not a general ledger; a separate accounting system is still needed
API access is limited to the Corporate and Enterprise plans
