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Accounting · head to head

Basware vs Qonto

Basware logo

Basware

Accounting

Invoice automation and e-invoicing compliance across a large number of national mandates

From
On request
Rated
-
Full reviewWebsite
Qonto logo

Qonto

Accounting

French neobank and finance management platform for freelancers, SMEs and businesses

From
€9/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Basware the e-invoicing compliance breadth that justifies the price is worthless to a company operating in a single country, where cheaper AP automation tools will do the same work.; Qonto pricing in EUR only, not USD
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Basware and Qonto actually diverge.

Attributes where Basware and Qonto differ
AttributeBaswareQonto
Starting priceOn request€9/month
Pricing modelquotesubscription
PlatformsWeb, iOS, AndroidWeb

Identical on both: free tier (No), user rating (Not yet rated), category (Accounting).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Basware

  • Invoice capture
  • Matching
  • Approval workflow
  • E-invoicing compliance
  • Supplier network
  • Payment execution
  • Spend analytics
  • ERP integration

Only in Qonto

Nothing recorded that Basware does not also cover.

What people use each for

The jobs each tool is most often brought in to do.

Basware

  • A multinational needing compliant electronic invoicing across Italy, Poland, France and Mexico without building each mandate itselfnot Qonto
  • A shared service centre processing hundreds of thousands of invoices a year that needs touchless processing rates measured and improvednot Qonto
  • A group standardising accounts payable across subsidiaries running different ERP systemsnot Qonto
  • A finance function trying to capture early payment discounts that are currently lost to slow approval cyclesnot Qonto

Qonto

  • Business bankingnot Basware
  • Team paymentsnot Basware
  • Cash flow managementnot Basware
  • Multi-currency transfersnot Basware
  • Freelancer paymentsnot Basware

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Basware

  • The e-invoicing compliance breadth that justifies the price is worthless to a company operating in a single country, where cheaper AP automation tools will do the same work.
  • Implementation is a substantial integration project involving ERP connectors, supplier onboarding and country-by-country compliance configuration, and it is priced and timed accordingly.
  • The user interface is dated next to newer accounts payable products, and approvers outside finance find it unintuitive, which slows the very cycle times the system is bought to improve.
  • Supplier onboarding onto the network is the hidden effort: the touchless processing rate depends on how many suppliers actually send electronic invoices, and that is a change management programme, not a software setting.
  • Growth by acquisition, including Glantus, has left overlapping analytics capability and integration work still in progress, so buyers should check which components share a data model today.

Qonto

  • Pricing in EUR only, not USD
  • Basic tier limited to 30 transfers per month
  • Add-ons for invoice automation and project tracking cost EUR 12-39/month extra
  • Business tier minimum commitment for small team accounts
  • Business plan minimum pricing EUR 49/month vs self-employed EUR 9/month

Pricing, plan by plan

Basware

On request
  • Basware$undefined/year
    • Invoice automation, matching and approval
    • E-invoicing compliance across national mandates
    • Supplier network connectivity

Qonto

€9/month
  • Basic (Self-Employed)$9/month
    • 30 transfers
    • 1 physical + 2 virtual cards
    • Account remuneration 5% for 2 months
  • Smart (Self-Employed)$19/month
    • 100 transfers
    • 2 physical + 50 virtual cards
    • Account remuneration
  • Premium (Self-Employed)$39/month
    • 200 transfers
    • 2 physical + 50 virtual + 50 Instant cards
  • Essential (Business)$49/month
    • 250 transfers
    • 5 physical + 50 virtual cards
    • Multiple sub-accounts

Which should you pick?

Choose Basware if

  • You need invoice capture.
  • You work on Web, iOS, Android.
  • You also want matching.
Basware review

Choose Qonto if

Nothing in the data separates Qonto from Basware on the points above - pick on price and on how each one feels to use.

Qonto review

Questions people ask

Is Basware or Qonto better?
Neither clearly leads. Basware starts at On request and Qonto at €9/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Basware or Qonto?
Basware starts at On request and Qonto at €9/month.
Does Basware or Qonto run on more platforms?
Basware runs on Web, iOS, Android. Qonto runs on Web.
What is Basware best used for?
Basware is most often used for a multinational needing compliant electronic invoicing across italy, poland, france and mexico without building each mandate itself, a shared service centre processing hundreds of thousands of invoices a year that needs touchless processing rates measured and improved, a group standardising accounts payable across subsidiaries running different erp systems, a finance function trying to capture early payment discounts that are currently lost to slow approval cycles. Of those, a multinational needing compliant electronic invoicing across italy, poland, france and mexico without building each mandate itself and a shared service centre processing hundreds of thousands of invoices a year that needs touchless processing rates measured and improved are not what Qonto is typically brought in for.
What can Basware do that Qonto cannot?
Basware covers Invoice capture, Matching, Approval workflow, E-invoicing compliance.

Answered from the vendors’ own pages

Basware: Should we buy Basware if we only operate in one country?

Probably not. Its main advantage is multi-country e-invoicing compliance. In a single jurisdiction, cheaper AP automation gives you the same result.

Qonto: How much does Qonto cost?

Qonto's self-employed plans range from EUR 9/month (Basic) to EUR 39/month (Premium). Business plans range from EUR 49/month (Essential) to EUR 199/month (Enterprise).

Source
Basware: Does it handle mandatory e-invoicing regimes?

Yes, and that is the core reason to choose it. It covers a wide set of national mandates as a service rather than an integration project you run yourself.

Qonto: What is included in Qonto's Basic plan?

The Basic plan costs EUR 9/month and includes 30 monthly transfers, 1 physical card and 2 virtual cards, plus account remuneration at 5% for the first 2 months.

Source
Basware: What drives the price?

Invoice volume, number of countries and modules. It is quoted, and implementation with ERP connectors and supplier onboarding is separate.

Qonto: What is the difference between self-employed and business plans?

Self-employed plans (Basic to Premium) are for individuals and cost EUR 9-39/month. Business plans (Essential to Enterprise) offer more transfers and cards for teams, ranging from EUR 49-199/month.

Source
Basware: What determines the return?

The share of invoices arriving electronically. Touchless rates depend on supplier adoption, so budget for a supplier onboarding programme, not just the software.

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