Accounting · head to head
Netvisor vs Veem
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.; Veem per-transaction fees can be higher than dedicated wire transfer services for large volumes
- They diverge on capability: Netvisor covers Finnish general ledger, Veem covers International payments.
- Prices and features above were last checked on 30 August 2026.
Where they differ
Only the attributes on which Netvisor and Veem 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 Veem
- International payments
- Multi-currency
- Invoice creation
- Payment tracking
- Accounting sync
- QuickBooks
- Xero
- NetSuite
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 Veem
- A Finnish employer needing payroll that handles collective agreement terms and reports to the incomes register on timenot Veem
- A business receiving and sending structured e-invoices with Finnish counterparties that require themnot Veem
- A Finnish accounting practice standardising clients on one system with a shared role model rather than one instance per clientnot Veem
Veem
- International vendor paymentsnot Netvisor
- Cross-border transactionsnot 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.
Veem
- Per-transaction fees can be higher than dedicated wire transfer services for large volumes
- No free tier - even basic sending incurs transaction fees
- Premium plan pricing at $14.99/month may not offset savings on transaction fees
- Limited banking partnerships compared to larger financial platforms
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
Veem
$14.99/monthNo published plan breakdown. See the Veem review.
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 Veem if
- You need international payments.
- You work on Web, iOS, Android.
- You also want multi-currency.
Questions people ask
- Is Netvisor or Veem better?
- Neither clearly leads. Netvisor starts at Free and Veem at $14.99/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Netvisor or Veem?
- Netvisor has a free tier; the other does not. Paid plans start at Free for Netvisor and $14.99/month for Veem.
- Does Netvisor or Veem run on more platforms?
- Netvisor runs on Web. Veem runs on Web, iOS, Android.
- Can I use Netvisor for free?
- Yes. Netvisor has a free tier, so you can try it without paying. Veem starts at $14.99/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 Veem is typically brought in for.
- What can Netvisor do that Veem cannot?
- Netvisor covers Finnish general ledger, Value added tax reporting, Bank connections, Electronic invoicing. Veem covers International payments, Multi-currency, Invoice creation, Payment tracking.
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.
Veem: What payment methods does Veem support?
Veem supports ACH transfers, checks, wallet transfers, and international wires. Payment methods vary by destination country and user preference.
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.
Veem: Is there a free tier?
No free tier. Veem charges per-transaction fees based on payment method and destination, with optional Premium Plan at $14.99/month offering enhanced features.
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.
Veem: What integrations does Veem have?
Veem integrates with QuickBooks, Xero, QuickBooks Online, NetSuite, Zapier, Plaid, and PopBookings for automated accounting and workflow integration.
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.
Veem: How does Veem handle exchange rates?
Veem uses claimed competitive exchange rates and provides transparent pricing. Transactions are routed through different payment rails (credit cards, checks, cryptocurrency) based on the destination.
SourceNetvisor: 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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