The best alternatives to SumUp in 2026

The business account for independent workers in France

• Business account with French IBAN and Visa Business card from €6/month excl. VAT
• Quotes, invoices and automated Urssaf filing (French social contributions) from the Simple plan
• Accounting export and receipt scanning

Business bank account and financial management solution for freelancers and companies

• Free business account (with a French IBAN in the French offer)
• Built-in invoicing from the free plan
• Cashback of up to 3% on spending

The direct debit solution for collecting payments from your clients without a bank card

• Payments by bank direct debit (SEPA)
• Ideal for recurring payments
• Very low fees compared to bank cards

Flat-fee portage salarial platform (French umbrella employment): employee status, full social protection and simplified admin for freelancers in France.

• Portage salarial, invoicing and social protection all in one (unemployment, pension, health cover)
• Subscription capped at €249 excl. VAT/month, no commission on revenue
• No commitment, no set-up or exit fees

The all-in-one platform to sell digital products, with worldwide VAT handled for you (Merchant of Record)

• Merchant of Record: VAT and sales taxes worldwide are collected and filed for you
• No monthly subscription: you only pay 5% + $0.50 per sale
• Subscriptions, license keys, discount codes and no-code checkout included

The 100% mobile, free business account for auto-entrepreneurs and freelancers, with cashback and zero fees abroad

• International business account
• Sub-accounts (Spaces) to organize your cash flow
• Virtual and physical cards

The Merchant of Record platform that collects payments, invoices and handles worldwide VAT for you, for software, SaaS and apps

• Merchant of Record: VAT, sales taxes and regulatory compliance handled for you in 300+ markets
• One all-inclusive fee: 5% + $0.50 per transaction, no monthly fees and no migration fees
• Subscriptions, localized checkout, fraud protection and buyer support included

All-in-one business account for freelancers and SMEs: account, card, invoicing and built-in accounting tools.

• Business account, invoicing and accounting in one place
• Intuitive French interface
• Accounting integration with more than 50 partner firms

Multi-currency business bank account for freelancers and companies

• Multi-currency account, ideal for international freelancers
• Attractive exchange rates
• Virtual cards for online payments

The business account for companies and independent workers 💫

• Useful free plan: business account and unlimited invoicing at €0
• Electronic invoicing included for free (Plateforme Agréée, an accredited platform under the French e-invoicing reform)
• Customer service based in France, available 7 days a week

The reference online payment infrastructure: cards, SEPA direct debit, no-code payment links, subscriptions and invoices, with no monthly subscription

• No setup fee and no subscription: 1.5% + €0.25 per payment with a standard European card
• Payment links and Checkout page without code, included in the base price
• SEPA direct debit at €0.35 per transaction, handy for subscriptions and large amounts

Full-service company formation and business management for independent entrepreneurs

• Company formation billed at €0 (excluding legal fees), with a dedicated advisor
• Firm registered with the Ordre des experts-comptables (the French chartered accountants' body): annual accounts (bilan) and tax return included
• Articles of association within 24 hours and Kbis (the French company registration extract) in 10 days on average for a single-owner company (according to Swapn)

The multi-currency business account for freelancers who work internationally

• Low-fee international transfers
• Multi-currency account (50+ currencies)
• Real exchange rate with no hidden markup