Visma Netvisor

Netvisor is a cloud financial management system built for the Finnish market by Visma Solutions Oy in Lappeenranta. It covers bookkeeping with automation, sales and purchase invoicing, Maventa e-invoicing, receivables tracking, payroll and time tracking, travel and expense claims, and inventory through Netvisor Varasto by Rackbeat. A Controller layer adds reporting, budgeting and cash flow forecasting. Visma says it has more than 45,000 customers and over 800 partner accounting firms, so it suits Finnish companies whose books are handled or reviewed by an accounting office. Pricing is a monthly package fee, quoted excluding VAT, that rises with the customer's turnover band. The packages are Starter, Basic, Core and Professional, and Light is sold through accounting partners. The lowest band starts at 25 euros a month. Basic and Core add per-transaction charges, such as 2.06 euros per sales or purchase invoice. Starter instead includes 1,000 common transactions and payroll for one person at a fixed fee. Payroll and expense claims cost 2.30 to 6.50 euros per person per month, and inventory starts at 70 euros a month. Integrations include MyCashflow e-commerce, with Shopify and WooCommerce announced, Marketplace services such as Kassavirta Plus and the Intrum risk indicator, and an API whose full version requires Professional or higher. Data is hosted on AWS in Germany and Sweden. The main limitation is that costs are hard to predict, because they depend on turnover band and transaction volume. The product is also built for Finland, with Finnish tax and payroll rules, so it is a poor fit outside that market.