Cheapest Invoicing Service Comparison 2025 – Prices, Hidden Fees, and the Best Choice for Light Entrepreneurs

Table of Contents

1. Introduction: After the comparisons, Bisse is often the choice
2. Invoicing service comparison 2025 – prices and hidden fees
3. What makes an invoicing service reliable?
4. Why is comparing invoicing services important?
5. What makes up the price of an invoicing service?
6. Watch out for hidden fees – what is an extra protection fee?
7. Price vs. quality – what do you get for your money?
8. Why Bisse.fi is the best choice in 2025
9. Example calculation: How much do you save with the right choice?
10. Checklist for comparing invoicing services
11. Summary: Choose wisely, choose Bisse.fi

Introduction: After the comparisons, Bisse is often the choice

For many, light entrepreneurship in 2025 is a conscious way to work. More people regularly sell their expertise and want invoicing, payroll, and bureaucracy to run without extra hassle.

That is when many end up choosing Bisse.fi.

People rarely arrive at Bisse by accident. It happens after they have compared invoicing services. Once they have reviewed percentages, insurance, add-on fees, and real user experiences, they start valuing clarity, speed, and a solid end-to-end service. Bisse users highlight transparent pricing, included features that others charge extra for, daily support, and on-time payroll.

This makes Bisse less of an “experiment” and more of a deliberate choice once a light entrepreneur knows what they want. Bisse.fi is one of the most affordable invoicing services in the market, yet it matches Finland’s largest players in reliability and service quality.

💡 In many other invoicing services, instant payouts and customer support are paid extras. With Bisse, you get both with no additional fees. Support is reachable every day from 9–23, including weekends and holidays.

Clear pricing, a completed tax audit, oversight by the Financial Supervisory Authority, and a strong financial foundation ensure payroll is on time so you can focus on your work.

When you choose Bisse, you choose an affordable, stable partner that truly supports entrepreneurs.

Invoicing service comparison 2025 – prices and hidden fees

The table below brings together invoicing services that have operated for years and are most commonly used by light entrepreneurs in 2025. We focus on real total costs with a percentage-based service fee and a €1000 invoice, not just the advertised service fee.

Note:

• “Extra protection”, “insurance fee”, and “safety fee” all mean a separate mandatory insurance or protection fee that is not always highlighted on landing pages. Sometimes it is hidden in the payroll calculator or mentioned offhand on the pricing page.
• The statutory health insurance fee and withholding tax are the same for all services and are not included in the comparison.

What makes an invoicing service reliable?

A reliable invoicing service has a proven history and operating model – not just a nice website or a low percentage.

In practice, reliability means the service has:

• Operated for years with the same business ID and brand
• Payroll and official notifications consistently in order
• Survived official scrutiny
  • for example, a completed tax audit is a strong signal that processes and filings are correct

An even stronger indicator of trust is when the provider has:

• A payment institution or payment intermediary status under the Finnish Financial Supervisory Authority (FIN-FSA)
  (registration, license, or supervised status depending on the model)

That means stricter requirements for handling and safeguarding client funds.

This is not just bureaucracy. Finland has seen invoicing services shut down, only to later reveal issues in filings or practices.
In the worst cases, users have had to fix the mess themselves and received back taxes, late-payment interest, or other penalties.

So when choosing a reliable invoicing service, look for evidence first:

• history
• audits
• supervisory oversight

not just marketing promises.

Why is comparing invoicing services important?

Choosing an invoicing service is one of the first and most important decisions a light entrepreneur makes. It is not just a “necessary evil”; it directly determines how much of your invoice ends up in your bank account and how quickly you get paid.

Many new light entrepreneurs pick the first service they see without comparing. That is understandable: the excitement is high and you want to start working. But a tiny difference in service fees can add up to a significant amount over a year.

Think of it this way: If you invoice €40,000 per year, a one percent difference in service fees is €400. That buys a lot of lunches or new equipment.

Comparing is tricky because services do not present prices the same way. Some use percentages, others fixed fees, and some hide surcharges in fine print. You must understand what you are actually paying.

It is also not always clear what the service fee includes. Can you reach support when you actually need it, or is that an extra? Do you get your pay as soon as the client pays, or do you wait for the invoice due date and extra handling days unless you buy an instant payout? Is foreign invoicing included? What about handling travel expenses?

Benefits of comparing, in brief:

• Save money: Find the best price–quality balance.
• Avoid surprises: Know exactly what you pay for and why.
• Get better service: Price is not the only metric; support speed and ease of use matter.
• Security: Ensure statutory obligations are handled and the service is supervised.

At Bisse.fi, we believe in transparency. We want to open up invoicing pricing models so you can make the best decision.

What makes up the price of an invoicing service?

When you look for the cheapest invoicing service for 2026, you will likely see the term service fee. It is usually a percentage of your VAT-free invoice. Typically, it ranges from 2% to 5%.

But that is just the tip of the iceberg. Total costs can include many parts.

Common cost items:

1. Service fee: The advertised percentage (e.g., 3%).
2. Add-on fees: Charges for payroll (withdrawal fee, instant payout). Expense handling fees (e.g., Eezy +1% on travel expenses).
3. Insurance fees: Accident and liability insurance, often around 3%.
4. Health insurance fee: A statutory fee (~1.87%) deducted from everyone.
5. Withholding tax: Your tax-card rate that goes to the government, not the service.

It is important to separate costs that go to the provider from statutory, tax-like payments. You cannot avoid the latter by switching services, but you can influence the former.

Bisse.fi is designed for clarity: no guessing what is left on the bottom line. Our aim is to be the fairest partner on the market.

Watch out for hidden fees – what is an extra protection fee?

This is arguably the most important section. As noted earlier, comparing invoicing services can be challenging because some fees are hidden or named ambiguously.

One of the biggest “hidden costs” is various extra protection fees or insurance add-ons.

How does an extra protection fee work?

Imagine this:

• Service A advertises an attractive 2% service fee.
• Service B (like Bisse.fi) is transparent about its pricing.

After joining Service A, you might notice on your first payslip that, besides the service fee, you have been charged a separate insurance or protection fee.

Warning: These add-ons can increase your total costs by up to +3%.

That means the advertised 2% is actually 5%. These fees often cover liability and accident insurance. At Bisse.fi, we keep the cost structure as clear and affordable as possible without complex extras.

Are these fees optional?

Unfortunately, often not. As noted earlier: “These costs are not voluntary for the light entrepreneur; they are automatically deducted in payroll.”

That is why the “cheapest” percentage is not always the cheapest total package. Always check:

• Do you pay mandatory add-ons?
• Is there a fee to withdraw pay?
• Is instant payout charged separately?
• Is foreign invoicing an extra?
• Is there a minimum fee?

Price vs. quality – what do you get for your money?

Price matters, but it should not be the only metric. Picture finishing a big project and your client pays, but you wait days for your money because the service is slow or waits for the invoice due date unless you pay extra for instant payout. Or you need help with your tax card, but support replies a week later.

The cheapest service can become expensive if it costs you time and nerves.

What a quality invoicing service offers:

1. Fast payroll: Money to your account as soon as the client pays.
2. Easy interface: Creating an invoice should take a minute, also on mobile.
3. Expert support: Help with taxes, YEL, and expense reimbursements.
4. Reliability: Guidance on correct VAT rates and accurate filings to the tax authority.

In 2025, tech has advanced quickly. Bisse.fi uses modern automation, offering a fast service and excellent experience without a high price tag. Here, quality and affordability meet.

Why Bisse.fi is the best choice in 2025

We have covered hidden fees, insurance costs, and quality requirements. Now, which solution is best and most cost-effective? Our answer: Bisse.fi.

We built our service based on entrepreneurs’ wishes. We wanted to remove opacity from the industry and provide an honest, Finnish, and relaxed partner.

5 reasons to choose Bisse.fi:

1. No hidden fees: No surprise “extra protection fees” that double costs. Pricing is transparent.
2. Market-leading price: We keep your money in your pocket by optimizing processes without sacrificing quality.
3. Lightning-fast payroll: Cash flow is king; when payment arrives, your pay is sent without delay.
4. Modern and simple: Works smoothly on phone, tablet, and desktop. Create invoices even on the bus.
5. Real support every day: You do not talk to just robots. We are here to help you succeed every day of the year.

Bisse.fi is more than an invoicing service; it is a community and a tool enabling a freer work life. We handle the bureaucracy so you can focus on what you love.

Example calculation: How much do you save with the right choice?

Let us make a concrete calculation.

Scenario:
Sales rep Matti invoices €2000 per month (VAT 0%).

Option A: “Cheap” service with hidden costs

• Advertised service fee: 2%
• Hidden insurance/protection fee: 3%
• Total cost: 5% = €100

Option B: Bisse.fi (transparent pricing example)

• Advertised service fee: 2.9%
• Hidden fees: 0%
• Service fee is €42 lower than the competitor

Your savings can be tens of euros per month just on service fees.

Note: The statutory health insurance fee and withholding tax are deducted from both, but they are the same for all services.

Yearly differences add up:

• If you save €40 per month on service fees → €480 per year.

What would you do with almost €500? Invest in marketing? Buy a new tablet? Take a well-earned break? By choosing Bisse.fi, you make sure you are not paying for thin air.

Checklist for comparing invoicing services

When making your final decision, use this list to avoid buying a pig in a poke.

1. Check the total percentage: Do not just look at the big number on the homepage. Search the pricing for “insurance fee”, “protection fee”, or “handling fee”.
2. Ask about insurance: Are accident and liability insurance included or charged separately?
3. Test support: Send a chat or email. How fast do they respond?
4. Check commitment: Is there a fixed-term contract? (With Bisse.fi, you are as free as a bird – no lock-in.)
5. Read reviews: Do others say payroll is on time? Any tax office issues?
6. YEL insurance: If you exceed the YEL income threshold, does the service help you obtain the insurance?

If a service seems to hide its costs or makes the pricing page hard to find, that is usually a bad sign. A fair provider publishes prices openly.

Summary: Choose wisely, choose bisse.fi

2025 is a great year to become a light entrepreneur. Freedom, flexibility, and the chance for extra income are within reach. Do not let outdated or fee-heavy invoicing services ruin the experience.

As we have shown, the cheapest invoicing service is not always the one with the smallest advertised percentage if mandatory extras are added on top. A smart entrepreneur looks at the whole picture.

Bisse.fi offers you:

• Fair and transparent pricing.
• A modern platform without bureaucracy.
• A secure backbone for your business.
• More money in your account.

Do not pay for nothing. Join the ranks of satisfied light entrepreneurs and make Bisse.fi your partner on the road to success. Registration is free and non-binding – why not try it today?

Start light entrepreneurship with Bisse.fi and focus on what matters – doing the work and enjoying it!