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All-in-one software for Swiss SMEs: one system or several programs? (2026)

One system for the whole business or several, one per area? The big Swiss comparison of 18 all-in-one solutions — with current prices, strengths and limits.

Full comparison

Published
Data as of
August 2026
Reading time
6 minutes

The essentials

  1. The decision falls before the program comparison: one continuous system saves seams and costs freedom of choice per area. Several programs cost seams and give that freedom back.
  2. For 11 of the 18 solutions no price is stated — in this market that is the rule and not the exception: 8 sell exclusively through distribution partners.
  3. 7 vendors state an entry price publicly, in the middle CHF 35.– a month, the highest published at CHF 65.–. For an all-in-one solution the entry price says the least: implementation regularly costs a multiple of it.
  4. All 18 solutions offer an open interface. For all-in-one solutions that is no longer a selection criterion but the condition on which they are sellable.
  5. 10 of the 18 handle payroll in full including the electronic filings. That is the criterion on which an all-in-one solution stands or falls for a Swiss business.
Rather filter for yourself? All 18 solutions with 26 criteria in one table Filter by profile and features, set a budget, read the columns side by side. This article gives the bearings — the table is the tool. To the comparison table

Five criteria in the order in which they shorten the list

For an all-in-one solution what decides is not the feature scope but the fit of the weakest module and the question of who supports the whole.

  1. How many areas need the same data?

    If sales, stock and accounting share the same item master, that argues for one system. If the areas work independently, nothing does — and an all-in-one solution would be buying what two specialist programs do better.

  2. How strong is your weakest area?

    An all-in-one solution is only as good as its weakest module. If that very area is your core business, the specialist program wins — even if the all-in-one solution leads on every other row.

  3. Payroll

    10 of the 18 solutions handle payroll in full including the electronic filings, 4 in a limited way. In an all-in-one solution that is not an add-on module but the reason to take it at all: payroll is the area where a seam costs the most.

  4. Who supports the implementation?

    8 of the 18 vendors sell exclusively through distribution partners. That is not a disadvantage but a decision about a partner and not only about a program — and the partner also sets the price.

  5. Price and implementation costs

    7 vendors state an entry price publicly, in the middle CHF 35.– a month. For an all-in-one solution that is the smaller figure: setup, data migration and training fall once and appear in no price list. Demand both figures in the same quotation.

What you have to budget

The 7 published entry prices, by band. The bands are fixed and not calculated from this data — that is the only way to compare the category with another.

free (entry at 0)
2
under CHF 30
1
CHF 30 to 59
2
CHF 60 and above
2
Distribution of the 7 published entry prices across 18 solutions, in francs per month, excluding VAT, as of July 2026. The 11 solutions without a published price are not included — they are not a zero but a request for a quotation.

The 18 solutions, one per row

Alphabetically ordered and expressly not a ranking. Where no price appears, the cell says why — for all-in-one solutions that is the normal case.

All-in-one solutions for Swiss businesses, alphabetically ordered. List price per month in francs, excluding VAT and without implementation costs, as of July 2026.
SolutionList pricePricing modelGetting startedDeploymentPayroll (Swissdec)
Abacusvia partner onlyvia partnerpartner/project neededCloud + Desktop/Server✓
Accountovia partner onlyvia partnerpartner/project neededCloud✓
AtlantoCHF 45–55 per monthSubscriptionself-serviceCloudlimited
bexioCHF 35–119 per monthSubscriptionself-serviceCloud✓
blue officevia partner onlySubscription or licencepartner/project neededDesktop/Server + Cloud–
Comaticon requestSubscription or licenceself-serviceCloud + Desktop/Serverlimited
Dynamics 365 Business CentralCHF 65–89 per monthSubscriptionpartner/project neededCloud + Desktop/Serverlimited
Infoniqa ONE 50via partner onlySubscription or licencepartner/project neededDesktop/Server + hosted✓
KLARAfrom CHF 26 per monthSubscriptionself-serviceCloud✓
myfactoryvia partner onlyvia partnerpartner/project neededCloud✓
Odoono prices in francsSubscriptionpartner/project neededCloud + Desktop/Serverlimited
Opacc ERPon requestSubscription or licencepartner/project neededCloud + Desktop/Server–
PROFFIX Px5via partner onlyvia partnerpartner/project neededDesktop/Server + hosted✓
Run my AccountsCHF 0–290 per monthServiceself-serviceCloud✓
SAP Business Onevia partner onlyvia partnerpartner/project neededCloud + Desktop/Server–
SelectLinevia partner onlyvia partnerpartner/project neededDesktop/Server + hosted✓
smallinvoiceCHF 0–45 per monthSubscriptionself-serviceCloud–
WinBIZCHF 64 per monthSubscription or licenceself-serviceDesktop/Server + hosted✓
All 26 surveyed criteria per solution in the comparison table

Which solutions come into question for which case

The same 18 solutions, grouped by the characteristics that decide the choice.

Suitable for small businesses 11

Recorded fit of at least 2 out of 3. For all-in-one solutions this is the group that makes the difference — many are built for mid-sized companies.

Accounto, Atlanto, bexio, blue office, Comatic, Infoniqa ONE 50, KLARA, Odoo, Run my Accounts, smallinvoice, WinBIZ

With full payroll 10

Abacus, Accounto, bexio, Infoniqa ONE 50, KLARA, myfactory, PROFFIX Px5, Run my Accounts, SelectLine, WinBIZ

Browser only 7

Accounto, Atlanto, bexio, KLARA, myfactory, Run my Accounts, smallinvoice

Installable on your own machine 11

Abacus, blue office, Comatic, Dynamics 365 Business Central, Infoniqa ONE 50, Odoo, Opacc ERP, PROFFIX Px5, SAP Business One, SelectLine, WinBIZ

Without a published price 11

Here the comparison starts with a project conversation. Budget that time.

Abacus, Accounto, blue office, Comatic, Infoniqa ONE 50, myfactory, Odoo, Opacc ERP, PROFFIX Px5, SAP Business One, SelectLine

The 18 solutions in detail

Each solution with its positioning, price and limits, alphabetically. Prices and characteristics are recorded values with a verification date; strengths and limits are our assessment from vendor documentation and trial accounts.

Abacus

ERP heavyweight, strongest payroll

The heavyweight: a Swiss ERP with the country’s most complete payroll and HR coverage – but always with a partner and a project budget.

Price
Abacus does not publish prices. Quoted through a sales partner, depending on modules, user count and the implementation project. — As of August 2026
For whom
Growing SMEs from around 20 employees, businesses with complex payroll (hourly wages, collective agreements, construction) and accounting firms.
Vendor
Abacus Research AG
Headquarters
Wittenbach SG
Deployment
Cloud · Desktop/Server
Payroll (Swissdec)
complete, with electronic filings

Strengths

  • Payroll and HR are effectively the Swiss benchmark (CLA, Swissdec, time management)
  • Scales from SME to upper mid-market
  • Industry editions (construction, fiduciary, healthcare, public sector)
  • Very high conformity with Swiss law and audit requirements

Limits

  • No self-service: implementation, training and support run through partners
  • Opaque pricing, total cost only clear after a quote
  • Clearly oversized for sole traders and associations

All surveyed data on Abacus

Accounto

Automated, through your accountant

An automation platform for accounting firms: documents are posted by machine, the SME only supplies and reviews.

Price
normally obtained through the accounting firm; price negotiated there — As of August 2026
For whom
SMEs whose accounting firm runs Accounto – and accountants who want to automate routine work.
Vendor
Accounto AG
Headquarters
Zürich
Deployment
Cloud
Payroll (Swissdec)
complete, with electronic filings

Strengths

  • High degree of automation in document processing
  • Clear division of labour between SME and accountant
  • Continuously current figures instead of year-end crunch
  • Built for Swiss requirements

Limits

  • Not freely available to end customers
  • Financial accounting only – no orders, no inventory
  • Dependent on your choice of accounting firm

All surveyed data on Accounto

Atlanto

Modular Swiss cloud kit

Swiss cloud building blocks from St. Gallen: invoicing and accounting as the core, time tracking and contact management bookable separately.

Price
Sales and Accounting CHF 44.90/mo · Time Management CHF 10/mo · Contact Manager CHF 0; 30-day trial — As of August 2026
For whom
Small businesses with their first employees that want accounting, time tracking and customer management in one account.
Vendor
Atlanto AG
Headquarters
St. Gallen
Deployment
Cloud
Payroll (Swissdec)
limited, filings by hand

Strengths

  • Clear per-module pricing – you pay only for what you use
  • Contact management with sales funnel included free
  • Time tracking and absences wired straight into invoicing
  • App market for extensions, Swiss hosting

Limits

  • Payroll part not Swissdec-certified – no electronic wage declaration
  • No inventory module, no multi-currency
  • The core module is mandatory: nothing starts below CHF 45

All surveyed data on Atlanto

bexio

Cloud all-rounder for small firms

The most widely used cloud standard among small Swiss businesses: quotes, invoices, banking and accounting in one place, with the largest network of accounting firms.

Price
from approx. CHF 39/mo. (Starter); Pro plans approx. CHF 65–115/mo., payroll and further modules extra — As of August 2026
For whom
Trades, agencies and service firms with 1–20 employees that work online and let their accounting firm look over their shoulder.
Vendor
bexio AG
Headquarters
Rapperswil-Jona SG
Deployment
Cloud
Payroll (Swissdec)
complete, with electronic filings

Strengths

  • Very short learning curve, tidy interface
  • Automatic bank reconciliation with most Swiss banks
  • Large accountant network – almost every firm knows it
  • Over 300 integrations and apps (POS, time tracking, shop)

Limits

  • Cost accounting, inventory and production only rudimentary
  • Cost rises quickly with user count and extra modules
  • No offline operation, no desktop edition

All surveyed data on bexio

blue office

Merchandise management for trade

Lucerne ERP centred on merchandise management and order processing – accounting here is the end of a trading chain, not the starting point.

Price
blue office publishes no prices. Base versions, add-on modules and special packages through specialist dealers; purchase or subscription. — As of August 2026
For whom
Trade, craft and manufacturing businesses with stock that run quote, order, inventory and books in one system.
Vendor
blue office ag
Headquarters
Hochdorf LU
Deployment
Desktop/Server · Cloud
Payroll (Swissdec)
not available

Strengths

  • Mature merchandise management with inventory and multi-currency
  • Mobile capture via blue office go
  • Marketplace of add-ins for extension
  • Purchase possible instead of subscription, run in-house

Limits

  • No payroll of its own – a separate solution is needed
  • Prices only through specialist dealers
  • German only, rollout as a project

All surveyed data on blue office

Comatic

Modular Swiss software, cloud or local

Modular Swiss business software from Sursee: accounting, invoicing, inventory and time tracking combinable individually, either in the cloud or bought outright.

Price
Comatic publishes no prices. Module and seat pricing on quote only; cloud without setup fee and cancellable monthly. — As of August 2026
For whom
Small and mid-sized trade and retail businesses that want exactly the modules they need and value the choice between subscription and purchase.
Vendor
Comatic AG
Headquarters
Sursee LU
Deployment
Cloud · Desktop/Server
Payroll (Swissdec)
limited, filings by hand

Strengths

  • Very fine-grained modules – no package jumps
  • Cloud and local installation from the same codebase
  • Complete merchandise management with inventory and multi-currency
  • Direct vendor contact without a reseller chain

Limits

  • Prices on request only – no comparison before the sales call
  • Payroll part not Swissdec-certified
  • German only, no mobile app

All surveyed data on Comatic

Dynamics 365 Business Central

Microsoft ERP with Swiss localisation

Microsoft’s mid-market ERP with Swiss localisation and a dense partner network – the only large vendor that publishes its list prices in francs.

Price
Essentials CHF 64.80, Premium CHF 89.10, Team Members CHF 6.50 – per user per month billed annually, excl. VAT. Partner rollout charged separately. — As of August 2026
For whom
SMEs and larger companies already working in the Microsoft world that need accounting, trade and production integrated.
Vendor
Microsoft
Headquarters
USA
Deployment
Cloud · Desktop/Server
Payroll (Swissdec)
limited, filings by hand

Strengths

  • List prices published in francs – you can budget before the first call
  • Seamlessly integrated with Microsoft 365, Teams and Power BI
  • Complete merchandise management and production
  • Very many Swiss partners, all four national languages

Limits

  • Swiss payroll only via a certified add-on (e.g. SwissSalary)
  • Per-user pricing adds up quickly, plus partner rollout
  • Few accountants work with it routinely; data location depends on region

All surveyed data on Dynamics 365 Business Central

Infoniqa ONE 50

Proven classic, installed locally

The proven classic from the Sage 50 era: very solid bookkeeping and payroll, traditional to operate, often introduced by the accounting firm.

Price
from approx. CHF 49/mo., or licence from approx. CHF 700 plus maintenance; modules sold separately — As of August 2026
For whom
Established small businesses and SMEs that want the tried and tested, local installation and a strong payroll module.
Vendor
Infoniqa Schweiz AG
Headquarters
Root LU
Deployment
Desktop/Server · hosted
Payroll (Swissdec)
complete, with electronic filings

Strengths

  • Mature payroll (Swissdec) and deep bookkeeping functions
  • Familiar to many accounting firms from the Sage years
  • Local installation possible – data stays in-house
  • Modular structure: pay only for what you use

Limits

  • Interface feels dated next to cloud vendors
  • Cloud is only hosting of the desktop application, not cloud-native
  • No real mobile app; setup usually via partner

All surveyed data on Infoniqa ONE 50

KLARA

Free entry with ecosystem

Free entry with a connected ecosystem (payroll, insurance, POS) – the easiest way to start, at the price of vendor lock-in.

Price
free base; paid plans and modules from approx. CHF 15–60/mo. depending on scope — As of August 2026
For whom
Founders, sole traders and small businesses that want to start without prior knowledge and without an upfront investment.
Vendor
ePost Service AG
Headquarters
St. Gallen
Deployment
Cloud
Payroll (Swissdec)
complete, with electronic filings

Strengths

  • Free start, payroll included for small teams
  • Document capture by photo, strongly guided workflow
  • Connected services: HR, insurance, POS, shop
  • Swissdec-compliant wage declaration even at small scale

Limits

  • Limited accounting depth – little room for special cases
  • The business model lives off partner offerings (check the tie-in)
  • No foreign currency accounting

All surveyed data on KLARA

myfactory

Cloud ERP with very broad scope

Swiss cloud ERP with a very broad module range – accounting, payroll, inventory, CRM, production and shop from one source, hosted in Switzerland.

Price
The vendor publishes no prices – quoted only through a sales partner
For whom
Retail, manufacturing and service businesses up to around 100 employees that want to cover as much as possible in a single system.
Vendor
Forterro Schweiz AG
Headquarters
Altendorf SZ
Deployment
Cloud
Payroll (Swissdec)
complete, with electronic filings

Strengths

  • Very broad feature set, modules added as needed
  • Fully browser-based and hosted in Switzerland
  • Swissdec-certified payroll (HRM.Swiss)
  • Inventory and production at ERP level

Limits

  • Prices for the main packages only on request
  • Implementation is a partner project, not a sign-up
  • Oversized for sole traders and associations

All surveyed data on myfactory

Odoo

Open source, enormous scope

Open-source ERP with an enormous feature set and Swiss localisation via partners – powerful, but not a finished Swiss product.

Price
from approx. CHF 25/user/mo. (Standard); open-source edition free, partner implementation separate — As of August 2026
For whom
Growing, technically confident businesses that want CRM, shop, projects and inventory integrated anyway.
Vendor
Odoo SA
Headquarters
Belgium
Deployment
Cloud · Desktop/Server
Payroll (Swissdec)
limited, filings by hand

Strengths

  • Enormous, integrated feature set from one source
  • Open source – no vendor lock-in, everything adaptable
  • Scales from a few users to mid-market
  • QR-bill and Swiss charts of accounts via the localisation

Limits

  • Swiss payroll is not Swissdec standard – a partner module is required
  • Few accounting firms work with it routinely
  • Customisation and upgrade costs are often underestimated; data mostly in the EU

All surveyed data on Odoo

Opacc ERP

Swiss ERP for the upper mid-market

Self-developed Swiss ERP platform from Rothenburg for the upper mid-market: sales, procurement, production, service and accounting on one shared base.

Price
Opacc publishes no prices. Quote directly from the vendor, depending on applications, user count and rollout project. — As of August 2026
For whom
Trade and manufacturing businesses from around 50 employees, with multi-warehouse, batches, bills of material and service operations.
Vendor
Opacc Software AG
Headquarters
Rothenburg LU
Deployment
Cloud · Desktop/Server
Payroll (Swissdec)
not available

Strengths

  • One shared platform (OXAS) for ERP, CRM and shop
  • Financial, fixed-asset and cost accounting with integrated MIS
  • Production with bills of material, routings and production orders
  • Swiss development, own cloud centre in Lucerne

Limits

  • No payroll of its own – a third-party connection is needed
  • Prices on request only, rollout a multi-month project
  • Clearly oversized for small businesses and associations

All surveyed data on Opacc ERP

PROFFIX Px5

SME ERP for trades and retail

Swiss SME ERP focused on trades, retail and service – accounting is part of a larger whole.

Price
PROFFIX does not publish prices. Quoted by the partner, depending on modules, user count and setup. — As of August 2026
For whom
Trade and retail businesses with 5–100 employees that want orders, inventory, service and accounting in one system.
Vendor
Forterro Schweiz Proffix AG
Headquarters
Wangs SG
Deployment
Desktop/Server · hosted
Payroll (Swissdec)
complete, with electronic filings

Strengths

  • Strong order, inventory and service handling
  • Modular expansion up to a full ERP
  • Swiss development and support, dense partner network
  • Either on your own premises or hosted

Limits

  • Implementation is a project, not a sign-up
  • Prices only obtainable via a partner quote
  • Unsuitable for solo self-employed

All surveyed data on PROFFIX Px5

Run my Accounts

Bookkeeping fully outsourced

Not software for doing your own bookkeeping, but outsourced accounting with online access – you supply documents, the provider does the posting.

Price
service from approx. CHF 220–400/mo. depending on document volume, software included — As of August 2026
For whom
Small businesses and SMEs that deliberately do not want to do their own bookkeeping and want a predictable monthly price.
Vendor
Run my Accounts AG
Headquarters
Stäfa ZH
Deployment
Cloud
Payroll (Swissdec)
complete, with electronic filings

Strengths

  • The books are actually kept, not merely made possible
  • Up-to-date figures every month with no internal effort
  • Fixed-price model, payroll can be added
  • No software know-how required

Limits

  • Considerably more expensive than software alone
  • Little control over day-to-day posting
  • No order or inventory module, no ERP ambition

All surveyed data on Run my Accounts

SAP Business One

SAP for the mid-market

SAP’s mid-market offering, in Switzerland available exclusively through partners – not a derivative of S/4HANA but a product of its own.

Price
SAP publishes no prices for Switzerland. Licence and rollout through the partner; cloud or self-hosted. — As of August 2026
For whom
Trade and manufacturing businesses from around 30 employees, with international sites or group-level SAP requirements.
Vendor
SAP
Headquarters
Germany
Deployment
Cloud · Desktop/Server
Payroll (Swissdec)
not available

Strengths

  • Established worldwide, group integration and multi-company capability
  • Complete merchandise management, production and consolidation
  • Large ecosystem of extensions and add-ons
  • All four national languages, cloud or self-hosted

Limits

  • Swiss payroll only via add-on (e.g. SwissSalary)
  • No published prices, rollout as a project
  • Unsuitable for small businesses and associations

All surveyed data on SAP Business One

SelectLine

Customisable mid-market ERP

Customisable mid-market ERP with its own Swiss edition – flexible, but reseller-dependent.

Price
No published prices – sold through resellers. Subscription or perpetual licence, depending on modules and user count. — As of August 2026
For whom
Retail and manufacturing businesses with 5–100 employees, individual processes and an IT partner behind them.
Vendor
SelectLine Software AG
Headquarters
Switzerland
Deployment
Desktop/Server · hosted
Payroll (Swissdec)
complete, with electronic filings

Strengths

  • Extensively customisable (forms, reports, processes)
  • Complete merchandise management and order handling
  • Cheaper than comparable ERP systems
  • Purchase possible instead of subscription

Limits

  • German product base – Swiss specifics via the Swiss edition
  • Quality depends heavily on the reseller
  • No modern cloud experience, no mobile app

All surveyed data on SelectLine

smallinvoice

Invoicing with some bookkeeping

Strong on quotes, invoices and time tracking – accounting here is a side dish, not the main course.

Price
from approx. CHF 19/mo.; accounting functions depend on the plan — As of August 2026
For whom
Service providers and freelancers whose daily work is invoicing and who leave the books to their accountant.
Vendor
smallinvoice AG
Headquarters
Zug
Deployment
Cloud
Payroll (Swissdec)
not available

Strengths

  • Very polished multilingual documents including QR-bill
  • Time tracking and project billing built in
  • Affordable and set up in minutes
  • Solid API and exports for your accountant

Limits

  • No payroll
  • Financial accounting below the level of a full solution
  • Too thin for businesses with inventory or production

All surveyed data on smallinvoice

WinBIZ

Complete package at a small price

Affordable Swiss all-in-one package: bookkeeping, invoicing, inventory and payroll in the same program, mainly used in French-speaking Switzerland.

Price
from approx. CHF 35/mo. (cloud) or perpetual licence from approx. CHF 500 — As of August 2026
For whom
Small businesses and SMEs that want a lot of functionality for little money and can live with classic software.
Vendor
FIDUCIAL WINBIZ SA
Headquarters
Sierre VS
Deployment
Desktop/Server · hosted
Payroll (Swissdec)
complete, with electronic filings

Strengths

  • Broad feature set at a small price
  • Payroll with Swissdec declaration included
  • Offline operation and perpetual licence possible
  • Also suitable for retail with inventory management

Limits

  • Classic operation and looks
  • Smaller support network in German-speaking Switzerland than in the Romandie
  • Fewer third-party integrations

All surveyed data on WinBIZ

The calculation nobody makes

An all-in-one solution is usually set against the sum of the individual prices, and the sum almost always wins. The calculation is incomplete: it counts the licences and not the seams.

Every seam between two programs is a place where data stalls, gets entered twice or drifts apart. All 18 all-in-one solutions compared offer an open interface — that solves the technical part and not the organisational one: who notices when a transfer stops running, and who sets it up again?

The second missing figure is the implementation. It falls once, appears in no price list, and for an all-in-one solution regularly exceeds the first annual subscription. Demand it as a separate item, not as an estimate in a subordinate clause.

Moving from separate programs to an all-in-one solution

This is not a software change but a project. What gets consolidated are not programs but master data: items, customers, suppliers, accounts. Where the same customer is named three slightly different ways in three programs, the effort is decided — and that can be checked before the project by exporting the three lists and comparing them.

The timing is the change of financial year, and the order puts accounting last. Whoever starts with accounting has no counterpart for anything else; whoever starts with sales and stock can still run accounting in parallel.

And reckon with parallel operation. Three months of two systems costs more than planned and less than abandoning the project halfway.

Frequently asked questions

What does an all-in-one solution cost for a Swiss SME?

7 of the 18 vendors compared publish an entry price, in the middle CHF 35.– a month, the highest published CHF 65.–, excluding VAT and without implementation. For 11 solutions there is no published price — 8 sell only through partners.

From what size does an all-in-one solution pay off?

It is not the number of employees that decides but the number of areas that need the same data. A five-person trade business with stock and service jobs benefits more than a fifteen-person agency that only runs projects and invoices.

Can I start with one module and extend later?

With most yes, and the comparison table carries «modules selectable» as a row of its own with the three recorded cases: individually selectable, tiers with add-on modules, and fixed tiers. Clarify the price of the extension first, not only its possibility.

What is the most frequent reason such projects fail?

Not the software. It is inconsistent master data and a project without anyone in the business who is allowed to decide. Both can be checked before the selection and rarely are.

Where the figures come from

Every figure in this text is calculated at build time from the verified survey and not typed in.

Prices
Vendor information from price lists, product pages and trial accounts, each value with a verification date. Implementation costs are NOT surveyed — they depend on the project and the partner. As of July 2026.
Feature information
Vendor documentation. What a vendor does not state itself appears as «not surveyed» and not as a no.
Interests
The operator makes none of the solutions compared, is not a distribution partner of any vendor, and maintains no paid placements.

Once the architecture is decided, the comparison table is the faster tool: there you filter the 18 solutions by modules, operating model and fit — and see all 26 recorded details per solution.

All 18 providers in the comparison table: Complete system

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