Swiss invoicing software — comparison

Quote, invoice, reminder — with QR-bill and bank reconciliation.

Swiss specifics

What is different in Switzerland

Invoicing

The Swiss market imposes requirements that an international solution usually lacks — it is built for other legal systems. Buy from abroad and you notice at the year-end close, in the VAT filing or with the first payroll declaration. These are the points that decide in this category:

QR-billMandatory standard since the payment slip was retired. Check both directions: issuing invoices with a QR code and reading incoming QR documents — the second is missing more often.
ISO 20022 / camtThe bank supplies incoming payments as a camt file and the software reconciles them against open invoices. This saves more time than any other automation. Clarify whether your bank is connected directly or only through a file import.
VAT 8.1 / 2.6 / 3.8 %The software has to carry all three Swiss rates — standard, reduced and the special rate for accommodation — and assign them correctly on documents and in the filing. Foreign programs often know only one rate per country.
DunningMulti-stage dunning runs with deadlines, fees and default interest, in the customer’s language. Without it, reminders are written by hand — the point where small firms leave the most money on the table.
Data locationSwiss data centres are not a legal requirement, but often a procurement criterion – especially for personal data and public-sector contracts.
Export and exitBefore signing up, check what an export looks like (entries, documents, master data). A solution without a usable export is a one-way street.

Criterion	Cloud all-rounder for small firmsDetails	Cheap, offline, association standardDetails	Free entry with ecosystemDetails	Invoicing with some bookkeepingDetails	Free platform with Abacus coreDetails	Complete package at a small priceDetails	Modular Swiss cloud kitDetails	Solo accounting on the phoneDetails	Cheapest Swiss cloud ledgerDetails	Minimalism for the self-employedDetails	ERP heavyweight, strongest payrollDetails	Affordable, strong payroll moduleDetails	Proven classic, installed locallyDetails	Open source, enormous scopeDetails	SME ERP for trades and retailDetails	Customisable mid-market ERPDetails	Merchandise management for tradeDetails	Lean cloud bookkeeping, open APIDetails	Modular Swiss software, cloud or localDetails	Cloud ERP with very broad scopeDetails	Buy instead of rent, purely localDetails
Cost & onboarding
List priceas stated by the vendorbars: 0 to CHF 119	CHF 35–119	free–CHF 15	from CHF 26	free–CHF 45	free–CHF 49	CHF 64	CHF 45–55	free–CHF 39	CHF 5–7	CHF 25–50	via partner only	in calculator only	via partner only	no prices in francs	via partner only	via partner only	via partner only	in calculator only	on request	via partner only	purchase price only
Pricing model	Subscription	Subscription or licence	Subscription	Subscription	Subscription	Subscription or licence	Subscription	Subscription	Subscription	Subscription	via partner	Subscription or licence	Subscription or licence	Subscription	via partner	via partner	Subscription or licence	Subscription	Subscription or licence	via partner	Licence
Getting started	self-service	self-service	self-service	self-service	self-service	self-service	self-service	self-service	self-service	self-service	partner/project needed	self-service	partner/project needed	partner/project needed	partner/project needed	partner/project needed	partner/project needed	self-service	self-service	partner/project needed	self-service
Deployment	Cloud	Desktop/Server + Cloud	Cloud	Cloud	Cloud	Desktop/Server + hosted	Cloud	Cloud	Cloud	Cloud	Cloud + Desktop/Server	Desktop/Server + hosted	Desktop/Server + hosted	Cloud + Desktop/Server	Desktop/Server + hosted	Desktop/Server + hosted	Desktop/Server + Cloud	Cloud	Cloud + Desktop/Server	Cloud	Desktop/Server
Free version	–	✓	–	✓	✓	–	–	✓	–	–	–	–	–	✓	–	–	–	✓	–	–	–
Payroll, VAT & law
Swiss VAT filing	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Multiple currencies	✓	✓	–	✓	–	✓	–	–	–	–	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	–
Payments
QR-bill	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Bank reconciliation (camt)	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Scope & extensions
Open API	✓	–	✓	✓	✓	✓	✓	–	–	–	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	–
Mobile app	✓	✓	✓	✓	✓	–	✓	✓	–	✓	✓	–	–	✓	✓	–	✓	–	–	–	–
Collaboration & vendor
Languages	DE · FR · IT · EN	DE · FR · IT · EN	DE · FR · IT	DE · FR · IT · EN	DE · FR · IT	DE · FR · IT	DE · FR · EN	DE · FR · EN	DE	DE · FR · IT · EN	DE · FR · IT · EN	DE · FR · IT	DE · FR · IT	DE · FR · IT · EN	DE · FR	DE · FR	DE	DE · FR · IT · EN	DE	DE · FR · EN	DE
Vendor	bexio AG (Mobiliar Group)	Banana.ch SA	ePost Service AG (Swiss Post)	smallinvoice AG	Swiss21.org AG (Abacus, Glarotech, SmartWe)	FIDUCIAL WINBIZ SA	Atlanto AG	Magic Heidi	Pfeffersack	Milkee SA	Abacus Research AG	Epsitec SA	Infoniqa Schweiz AG (formerly Sage Switzerland)	Odoo SA (with Swiss partners)	Forterro Schweiz Proffix AG	SelectLine Software AG (Swiss edition)	blue office ag	CashCtrl GmbH	Comatic AG	Forterro Schweiz AG	ShakeHands Software Ltd
Headquarters	Rapperswil-Jona SG	Lugano TI	St. Gallen	Zug	St. Gallen	Sierre VS	St. Gallen	Switzerland	Switzerland	Switzerland	Wittenbach SG	Yverdon-les-Bains VD	Root LU	Belgium	Wangs SG	Switzerland	Hochdorf LU	Switzerland	Sursee LU	Altendorf SZ	Switzerland
Fit by profile
Sole proprietor / freelance
Small business 2–9
SME 10–49
Working with an accountant
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