Billino
Billino is an EU-hosted invoicing tool for freelancers and small businesses, with a generous free plan and a paid Plus tier for power users. It automatically applies the right VAT rules for your setup (Kleinunternehmer, GmbH, UG, reverse charge, exports), supports e-invoicing (Factur-X/ZUGFeRD), and provides DATEV/CSV exports for accountants. Currently covers Germany, Austria, and Cyprus, with more countries coming. The free plan covers unlimited invoices and exports; Billino Plus adds read receipts, multi-user access, analytics, and an invoicing API.
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ERPLight
ERPLight is a lightweight Swiss invoicing and quoting web app for freelancers and small businesses. Create quotes, orders and invoices with a Swiss QR-bill in seconds, no accounting knowledge required. QR-bills work with every Swiss bank.
Plans: Starter CHF 0 (free forever, unlimited documents, cloud storage included), Pro CHF 14.90/month (CHF 178.80/year), Business CHF 29.90/month.
Pro adds your own logo, customer database, expenses and receipts, ZIP export for your fiduciary, payment reminders, email sending and time tracking. Business adds bank reconciliation (camt.053), recurring invoices, bulk templates, instalment plans, EUR invoices abroad, postal letter sending, an item catalogue and multiple sender profiles.
Not an accounting suite: no double-entry bookkeeping, VAT returns or payroll. Web app (also in the mobile browser), servers in Europe (nDSG/GDPR), email support. Based in Hägendorf, Switzerland, since 2024.
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Clozo
Clozo is an EU-first billing tool for freelancers: send a professional proposal with a legally-binding e-signature, collect a deposit, and get paid in one link via Stripe (card/iDEAL/Bancontact) or SEPA. It validates client EU VAT live (VIES), applies cross-border reverse-charge automatically, and generates compliant e-invoices in one click — ZUGFeRD, Factur-X, Peppol UBL, FacturaE, ebInterface, FatturaPA. Plus recurring billing, time tracking, expenses with DATEV export, and GDPR data export. Built for EU freelancers and micro-studios who want proposals, signatures, invoices, payments and expenses in one place instead of four separate tools.
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Facturwise
Facturwise is an invoicing platform for EU freelancers and small businesses with ZUGFeRD and Factur-X e-invoicing compliance built into every plan — including free.
Germany mandates e-invoicing from 2027, France from September 2026. Most tools charge extra for compliance or don't support both standards. Facturwise generates fully compliant ZUGFeRD 2.4 and Factur-X 1.0.8 invoices automatically — no plugins, no configuration, no extra cost.
Every invoice is a hybrid PDF/A-3 document with structured CII XML embedded inside — human-readable for your client, machine-readable for their accounting software.
Beyond compliance: multilingual invoices in 6 languages, 30 currencies, SEPA QR codes for zero-fee bank transfers, automated recurring billing, payment reminders, expense tracking, client management, quotes, credit notes, and a financial dashboard.
Start free, no credit card required.
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