Hero
5.6/10Hero (HeroPay) is a French business account and payment institution offering free pro accounts, cards, supplier invoice financing and interest-bearing treasury for SMEs and freelancers.
Data last updated November 2026 · Our methodology
Overview
Hero, sold under the HeroPay brand, is a French fintech run by Coruscant SAS. It is a licensed payment institution supervised by the ACPR. Its core product is an online business account with a French IBAN, which Hero says takes about five minutes to open. Around the account it offers physical and virtual Visa cards, instant SEPA transfers, sub-accounts, team expense tracking, receipt upload and accountant access. Its main differentiator is short-term financing for B2B supplier invoices from European suppliers billed in euros. The financing limit grows as the account is used and can be raised further by connecting external bank accounts through open banking. Hero also pays interest on deposits and offers card payment processing for online merchants. There are three no-commitment plans, all quoted excluding VAT. Hero X is free, with one virtual card and 5 instant transfers. Hero Go costs 9 euros a month and allows up to 1,000 euros of financing. Hero Pro costs 39 euros a month, with up to 50,000 euros of financing, two physical cards and unlimited virtual cards. Financing is always subject to an eligibility check. On integrations, Sellsy can generate Hero payment links on its invoices and match the payments back to them automatically. Hero suits French small businesses, freelancers and SMEs that want a low-cost account with built-in working-capital credit. Its main limitation is that it is a banking and payments layer, not an accounting system. It has no general ledger, no full invoicing suite, and limited accounting exports, so most companies will still need separate bookkeeping software.
Our Rating
Who Hero is best for
Best software for Small BusinessGood fit
Hero offers a free business account and supplier invoice financing aimed at French SMEs.
The free Hero X plan suits freelancers, though competitors calculate micro-entrepreneur charges and Hero does not.
Less suited
Hero handles capital deposits and company creation, and offers working-capital credit.
Hero is a small-business bank account with limited team seats and no ERP features.
Pros & Cons
Pros
- The free Hero X plan has no monthly fee and no commitment.
- Built-in financing for B2B supplier invoices lets SMEs defer supplier payments, with limits that grow as the account is used.
- Deposits earn interest, with an introductory 5% rate for the first two months on paid plans.
- The Sellsy integration generates payment links on invoices and reconciles payments automatically.
- Hero is an ACPR-licensed payment institution and keeps client funds in segregated accounts.
Cons
- Hero is not accounting software: it has no general ledger and no full invoicing suite.
- A competitor comparison says Hero lacks customizable accounting exports and cheque or cash deposits.
- Financing is never guaranteed and is limited to euro invoices from European suppliers.
- Few third-party integrations are listed and independent reviews are scarce.
- Team member access is limited compared with some rival business accounts.
Key Features
Hero Pricing
Hero X
- No financing
- 1 virtual card
- Free business account
- No interest on deposits
- 5 instant SEPA transfers
- Optional Visa Platinum physical card
Hero Go
- 20 instant SEPA transfers
- Price excludes VAT, no commitment
- 1 physical card and 5 virtual cards
- Financing up to 1,000 EUR, subject to eligibility
- Interest on deposits (5% for the first two months)
Hero Pro
- 60 instant SEPA transfers
- Price excludes VAT, no commitment
- 2 physical cards and unlimited virtual cards
- Financing up to 50,000 EUR, subject to eligibility
- 1.85% interest on deposits (5% for the first two months)
Frequently Asked Questions
Yes. Hero X costs 0 euros a month. It includes one virtual card and 5 instant SEPA transfers, but no financing and no interest on deposits.
No. Hero lists all of its plans without commitment, and prices exclude VAT.
Hero finances B2B invoices from European or SEPA-zone suppliers billed in euros. Fees are shown before each financing, and limits depend on eligibility and how much you use the account.
Hero is the trade name of Coruscant SAS, a payment institution supervised by the ACPR. Customer funds are held in segregated fiduciary accounts.
Yes. Hero has a Sellsy integration that creates payment links for Sellsy invoices and matches payments to them through the API.
Yes. Shine's comparison page lists accountant access and receipt uploads among Hero's features.
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Ranked near Hero in Finance Software
See Hero in the listHero is #294 in Finance Software by our score.
