Accounting · head to head
Airbase vs Netvisor
Airbase
Accounting
Spend management combining corporate cards, bill payment and expense claims, now part of Paylocity
- From
- $29/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: Airbase card issuing and bill payment are built around United States entities and United States bank accounts, so a group with subsidiaries abroad keeps running local card and payment processes alongside and does not get the single ledger of spend that justified the purchase.; 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: Airbase covers Corporate cards, Netvisor covers Finnish general ledger.
- Prices and features above were last checked on 30 August 2026.
Where they differ
Only the attributes on which Airbase and Netvisor actually diverge.
Identical on both: pricing model (subscription), 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 Airbase
- Corporate cards
- Virtual cards per vendor
- Bill payment
- Expense reimbursement
- Unified approval policy
- Purchase intake and procurement
- Automated coding
- Receipt collection
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.
Airbase
- A company that has outgrown one shared company card and needs per person and per subscription cards with real limitsnot Netvisor
- A finance team where supplier invoices arrive in an inbox and approval is whoever replies, with no record afterwardsnot Netvisor
- A controller trying to close the month without rebuilding card and expense coding from statements every timenot Netvisor
- An organisation that wants spend approved before it is committed rather than discovered when the invoice arrivesnot Netvisor
Netvisor
- A Finnish company whose accounting firm works in Netvisor and wants the client approving purchase invoices in the same systemnot Airbase
- A Finnish employer needing payroll that handles collective agreement terms and reports to the incomes register on timenot Airbase
- A business receiving and sending structured e-invoices with Finnish counterparties that require themnot Airbase
- A Finnish accounting practice standardising clients on one system with a shared role model rather than one instance per clientnot Airbase
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Airbase
- Card issuing and bill payment are built around United States entities and United States bank accounts, so a group with subsidiaries abroad keeps running local card and payment processes alongside and does not get the single ledger of spend that justified the purchase.
- The value depends on nearly all spend flowing through the platform, which makes partial adoption almost worthless and means the rollout is a change management exercise across every budget holder rather than a finance department deployment.
- Paylocity's acquisition in 2024 reorients the roadmap towards a human capital management suite, so expense reimbursement is likely to be well served while procurement and the more finance specific features compete for attention with payroll and HR priorities.
- Pricing combines a platform fee with tiering on features and users, and part of the economics rests on interchange rebates from card spend, so a company that puts most of its spend on transfers rather than cards pays the fee without earning the offset.
- The general ledger sync is a mapping you own, so a chart of accounts change, a new department dimension or a ledger migration means reworking the coding rules, and a bad mapping quietly posts correct approvals to the wrong accounts.
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
Airbase
$29/month- StandardFree
- Corporate cards
- Expense reports
- Bill pay
- Premium$10/month
- Advanced approvals
- NetSuite sync
- Procurement
- Enterprise$undefined/month
- Custom workflows
- API access
- Dedicated support
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 Airbase if
- You need corporate cards.
- You work on Web, Ios, Android.
- You also want virtual cards per vendor.
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 Airbase or Netvisor better?
- Neither clearly leads. Airbase starts at $29/month and Netvisor at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Airbase or Netvisor?
- Netvisor has a free tier; the other does not. Paid plans start at $29/month for Airbase and Free for Netvisor.
- Does Airbase or Netvisor run on more platforms?
- Airbase 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. Airbase starts at $29/month.
- What is Airbase best used for?
- Airbase is most often used for a company that has outgrown one shared company card and needs per person and per subscription cards with real limits, a finance team where supplier invoices arrive in an inbox and approval is whoever replies, with no record afterwards, a controller trying to close the month without rebuilding card and expense coding from statements every time, an organisation that wants spend approved before it is committed rather than discovered when the invoice arrives. Of those, a company that has outgrown one shared company card and needs per person and per subscription cards with real limits and a finance team where supplier invoices arrive in an inbox and approval is whoever replies, with no record afterwards are not what Netvisor is typically brought in for.
- What can Airbase do that Netvisor cannot?
- Airbase covers Corporate cards, Virtual cards per vendor, Bill payment, Expense reimbursement. Netvisor covers Finnish general ledger, Value added tax reporting, Bank connections, Electronic invoicing.
Answered from the vendors’ own pages
Airbase: Does it work for companies outside the United States?
Partially. Some international spend and reimbursement is supported, but card issuing and the payment rails are strongest for United States entities. Confirm coverage for each country you operate in before assuming it replaces local processes.
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.
Airbase: Does Airbase replace our accounting system?
No. It manages spend and pushes coded transactions into the ledger. QuickBooks, NetSuite or whatever else you use stays.
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.
Airbase: What changed after the Paylocity acquisition?
Ownership and roadmap direction. The product continues, now positioned alongside Paylocity's payroll and HR products. If procurement is your main reason to buy, ask directly about investment in that module.
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.
Airbase: How is it priced?
A platform subscription with tiers, plus usage and user dimensions, partly offset by rebates on card spend. Because the rebate depends on card volume, model your own mix of card versus transfer spend before accepting a payback figure.
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.
Airbase: Can we use it for accounts payable only?
You can, but the approval consistency argument weakens considerably. Most of the reported benefit comes from cards, bills and reimbursements sharing one policy and one coding process.
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.
Airbase: Will our auditors accept the approval records?
The per transaction record of approver, receipt and coding is generally what auditors want to see for spend testing. Agree the sampling approach with them early, particularly around any spend that still happens outside the platform.
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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