Accounting · head to head
Netvisor vs Payoneer
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: 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.; Payoneer an annual account fee of $29.95 USD applies if the account receives less than $6,000 USD in any 12 consecutive months
- They diverge on capability: Netvisor covers Finnish general ledger, Payoneer covers Receive payments.
- Prices and features above were last checked on 30 August 2026.
Where they differ
Only the attributes on which Netvisor and Payoneer 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 Netvisor
- Finnish general ledger
- Value added tax reporting
- Bank connections
- Electronic invoicing
- Purchase invoice workflow
- Sales invoicing
- Payroll
- Incomes register reporting
Only in Payoneer
- Receive payments
- Multi-currency accounts
- Working capital
- Mass payouts
- Marketplace integrations
- Amazon
- Fiverr
- Upwork
What people use each for
The jobs each tool is most often brought in to do.
Netvisor
- A Finnish company whose accounting firm works in Netvisor and wants the client approving purchase invoices in the same systemnot Payoneer
- A Finnish employer needing payroll that handles collective agreement terms and reports to the incomes register on timenot Payoneer
- A business receiving and sending structured e-invoices with Finnish counterparties that require themnot Payoneer
- A Finnish accounting practice standardising clients on one system with a shared role model rather than one instance per clientnot Payoneer
Payoneer
- Freelancer payment collection from Upwork, Fiverr, and global marketplacesnot Netvisor
- Multi-currency account management with 70+ currencies supportednot Netvisor
- International wire transfers to 190+ countries and territoriesnot Netvisor
- Business contractor payments and global workforce managementnot Netvisor
- Marketplace mass payouts for seller platforms and gig economynot Netvisor
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
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.
Payoneer
- An annual account fee of $29.95 USD applies if the account receives less than $6,000 USD in any 12 consecutive months
- The Payoneer card carries a $29.95 USD annual fee and $12.95 USD for a replacement
- Converting between Payoneer balances in different currencies costs 0.50%
- Receiving into a non local currency receiving account costs 1%, minimum $1.00 USD
- Receiving by credit card costs up to 3.99% plus $0.49 USD
- Withdrawing to a bank in the recipient's local currency costs 1.2% to 4%
- ATM withdrawals cost $3.15 USD plus up to 1.8%, rising to 3.5% when currency is converted
- Card purchases requiring conversion cost up to 3.5%
Pricing, plan by plan
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
Payoneer
$29/month- StandardFree
- Receive payments
- Multi-currency
- Marketplace connections
Which should you pick?
Choose Netvisor if
- You need finnish general ledger.
- You want to start without paying.
- You also want value added tax reporting.
Choose Payoneer if
- You need receive payments.
- You work on Web, Ios, Android.
- You also want multi-currency accounts.
Questions people ask
- Is Netvisor or Payoneer better?
- Neither clearly leads. Netvisor starts at Free and Payoneer at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Netvisor or Payoneer?
- Netvisor has a free tier; the other does not. Paid plans start at Free for Netvisor and $29/month for Payoneer.
- Does Netvisor or Payoneer run on more platforms?
- Netvisor runs on Web. Payoneer runs on Web, Ios, Android.
- Can I use Netvisor for free?
- Yes. Netvisor has a free tier, so you can try it without paying. Payoneer starts at $29/month.
- What is Netvisor best used for?
- Netvisor is most often used for a finnish company whose accounting firm works in netvisor and wants the client approving purchase invoices in the same system, a finnish employer needing payroll that handles collective agreement terms and reports to the incomes register on time, a business receiving and sending structured e-invoices with finnish counterparties that require them, a finnish accounting practice standardising clients on one system with a shared role model rather than one instance per client. Of those, a finnish company whose accounting firm works in netvisor and wants the client approving purchase invoices in the same system and a finnish employer needing payroll that handles collective agreement terms and reports to the incomes register on time are not what Payoneer is typically brought in for.
- What can Netvisor do that Payoneer cannot?
- Netvisor covers Finnish general ledger, Value added tax reporting, Bank connections, Electronic invoicing. Payoneer covers Receive payments, Multi-currency accounts, Working capital, Mass payouts.
Answered from the vendors’ own pages
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.
Payoneer: What are Payoneer's withdrawal fees?
Payoneer states its mission is to simplify international payments, but specific withdrawal fees are not published on the homepage. Fee details are accessed via the pricing section.
SourceNetvisor: 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.
Payoneer: How much does Payoneer charge for currency conversion?
Payoneer manages multi-currency transactions but does not display conversion rates or fee percentages on the main website.
SourceNetvisor: 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.
Payoneer: Is there a monthly fee to keep a Payoneer account?
Payoneer does not list account maintenance fees on its homepage. Specific pricing for account types (freelancer, business, marketplace) requires accessing the pricing page.
SourceNetvisor: 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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