Accounting · head to head
Circula vs Netvisor
Circula
Accounting
Expense, travel and employee benefit management for German speaking finance teams
- From
- €15/month
- Rated
- -
Netvisor
Accounting
Finnish cloud accounting and payroll with pricing built from a base fee plus per transaction charges
- From
- Free
- Rated
- -
The short version
- Only Netvisor has a free tier, so it costs nothing to try first.
- Each has a real cost: Circula the module pricing stacks: expenses at fifteen euro per licence plus ninety nine euro for cards plus a hundred and forty nine euro for accounts payable means a fifty person company pays well over a thousand euro a month before add ons.; Netvisor pricing is a base fee plus a charge per sales invoice, per purchase invoice, per payslip and per other transaction, so a company with high document volumes pays a bill that scales with trading activity and cannot be budgeted as a fixed monthly cost.
- They diverge on capability: Circula covers German per diem engine, Netvisor covers Finnish general ledger.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Circula and Netvisor actually diverge.
Identical on both: 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 Circula
- German per diem engine
- Receipt capture and OCR
- Corporate credit cards
- Employee benefits
- Accounts payable
- Mileage and travel
- DATEV and ERP export
- Approval workflows
Only in Netvisor
- Finnish general ledger
- Value added tax reporting
- Bank connections
- Electronic invoicing
- Purchase invoice workflow
- Sales invoicing
- Payroll
- Incomes register reporting
What people use each for
The jobs each tool is most often brought in to do.
Circula
- A German company that must apply statutory per diem rates and meal deductions correctly to avoid payroll tax exposurenot Netvisor
- A finance team wanting card spend, expense claims and benefits in one DATEV exportnot Netvisor
- An employer offering the tax free monthly benefit allowance and needing auditable records of itnot Netvisor
- A mid sized business replacing spreadsheet mileage claims with rule enforced distance calculationsnot Netvisor
Netvisor
- A Finnish company whose accounting firm works in Netvisor and wants the client approving purchase invoices in the same systemnot Circula
- A Finnish employer needing payroll that handles collective agreement terms and reports to the incomes register on timenot Circula
- A business receiving and sending structured e-invoices with Finnish counterparties that require themnot Circula
- A Finnish accounting practice standardising clients on one system with a shared role model rather than one instance per clientnot Circula
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Circula
- The module pricing stacks: expenses at fifteen euro per licence plus ninety nine euro for cards plus a hundred and forty nine euro for accounts payable means a fifty person company pays well over a thousand euro a month before add ons.
- A minimum of ten licences excludes small teams, and the flexible licensing model for occasional claimants makes monthly cost harder to forecast than a flat per seat price.
- Strength is in German tax rules, so companies with significant operations outside the DACH region gain little from the feature that justifies the price.
- The accounts payable module includes only a hundred invoices per month, so invoice heavy businesses face metered overage on top of the platform fee.
- Card issuing carries a per card transaction ceiling and depends on partner issuing, so high value procurement spend can hit limits that a bank issued corporate card would not.
Netvisor
- Pricing is a base fee plus a charge per sales invoice, per purchase invoice, per payslip and per other transaction, so a company with high document volumes pays a bill that scales with trading activity and cannot be budgeted as a fixed monthly cost.
- It serves Finland, so the tax and payroll logic is useless to entities filing elsewhere, and a Nordic group ends up running a different system in each country even where they belong to the same corporate family.
- The interface, help material and support operate in Finnish, so a foreign owned subsidiary needs a Finnish speaking bookkeeper or accounting firm to operate it and cannot supervise it directly from head office.
- Finnish payroll requires collective agreement terms to be configured correctly, and getting holiday pay, supplements and shift rules right is specialist work usually done by a partner, so payroll implementation is a paid project rather than a setup wizard.
- Because most deployments come through an accounting firm, the practical service you receive depends on that firm's competence with the product, and changing accountant can mean changing system or inheriting a configuration nobody documented.
Pricing, plan by plan
Circula
€15/month- Employee and Travel Expenses$15/month
- Per licence, billed annually
- Minimum 10 licences
- OCR receipt capture
- Credit Cards$99/month
- Platform fee, unlimited cards
- Per card spend limits
- Transaction limit of EUR 750,000 per card
- Accounts Payable$149/month
- Platform fee
- Includes 100 invoices per month
- Supplier invoice capture and approval
- Benefits$1/month
- Per licence
- Tax free benefit allowances
- Mobility and meal benefits
Netvisor
Free- Starter$25/month
- Basic accounting, 1000 transactions, invoicing, payroll for 1 person
- Basic$25/month
- Basic accounting plus invoicing, 2.06 euros per invoice item, unlimited users, email support
- Core$25/month
- All Basic features, invoices included in monthly cost
- Professional$25/month
- All Core features, broadest software interface, budgeting, reporting, forecasting, purchase and sales orders
Which should you pick?
Choose Circula if
- You need german per diem engine.
- You work on Web, iOS, Android.
- You also want receipt capture and ocr.
Choose Netvisor if
- You need finnish general ledger.
- You want to start without paying.
- You also want value added tax reporting.
Questions people ask
- Is Circula or Netvisor better?
- Neither clearly leads. Circula starts at €15/month and Netvisor at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Circula or Netvisor?
- Netvisor has a free tier; the other does not. Paid plans start at €15/month for Circula and Free for Netvisor.
- Does Circula or Netvisor run on more platforms?
- Circula runs on Web, iOS, Android. Netvisor runs on Web.
- Can I use Netvisor for free?
- Yes. Netvisor has a free tier, so you can try it without paying. Circula starts at €15/month.
- What is Circula best used for?
- Circula is most often used for a german company that must apply statutory per diem rates and meal deductions correctly to avoid payroll tax exposure, a finance team wanting card spend, expense claims and benefits in one datev export, an employer offering the tax free monthly benefit allowance and needing auditable records of it, a mid sized business replacing spreadsheet mileage claims with rule enforced distance calculations. Of those, a german company that must apply statutory per diem rates and meal deductions correctly to avoid payroll tax exposure and a finance team wanting card spend, expense claims and benefits in one datev export are not what Netvisor is typically brought in for.
- What can Circula do that Netvisor cannot?
- Circula covers German per diem engine, Receipt capture and OCR, Corporate credit cards, Employee benefits. Netvisor covers Finnish general ledger, Value added tax reporting, Bank connections, Electronic invoicing.
Answered from the vendors’ own pages
Circula: Does Circula calculate German per diems automatically?
Yes, by destination country and trip duration, including meal and accommodation deductions, which is the main reason DACH finance teams buy it.
Netvisor: Is Netvisor usable outside Finland?
Not as a compliance system. The value is the Finnish tax, banking, e-invoicing and payroll logic. Companies filing elsewhere should look at the local product in the Visma range or another local vendor.
Circula: What does it actually cost for fifty employees?
Roughly seven hundred and fifty euro a month for expense licences alone at the fifteen euro rate, before the ninety nine euro card platform fee and any accounts payable module.
Netvisor: Why is the pricing structured per transaction?
It reflects a Finnish market convention where the accounting firm's fee also scales with document volume. It means a low volume company pays very little and a high volume one pays a great deal, so estimate your annual invoice and payslip counts before comparing headline prices.
Circula: Is there a minimum commitment?
Yes. A minimum of ten licences and annual billing on the published rates.
Netvisor: Can my accounting firm work in it with me?
Yes, that is the intended model. The practice and the client share one instance with different roles, so the firm does the bookkeeping while you approve purchase invoices and issue sales invoices.
Netvisor: Does it handle payroll for collective agreements?
It supports Finnish collective agreement based payroll, but configuring the specific agreement terms correctly is expert work normally done during a paid implementation. Do not assume payroll is switched on the same week as accounting.
Netvisor: What about the incomes register?
Reporting earnings to the national incomes register within the statutory deadline is built in, which is one of the main reasons Finnish employers use a local product rather than an international one.
Netvisor: Is it a full ERP?
It includes inventory and fixed assets alongside the ledger, which covers a good deal of a small distributor's needs, but it is a financial management system rather than a manufacturing or full supply chain ERP.
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