KipBill vs SumUp Invoices: The Complete Comparison for Freelancers & Small Business (2026)

If you are searching for a Debitoor alternative, you have probably already discovered that Debitoor no longer exists. The popular invoicing tool was acquired by SumUp in 2022, and all Debitoor users were migrated to SumUp Invoices. The product has changed significantly since then.

SumUp started as a card reader company, and that DNA shows in their invoicing product. It is designed primarily to fit into their payments ecosystem — card readers, online payments, point of sale. If you already use a SumUp card reader in your shop, their invoicing module makes sense as an add-on.

But if you are a freelancer, consultant, or small business that needs standalone professional invoicing — creating invoices with withholding tax, managing teams, generating financial reports, collecting payments online, tracking expenses, and managing clients internationally — SumUp Invoices has serious limitations. And hidden costs.

KipBill is not a simple invoicing tool. It is a complete invoicing and financial management platform with multi-user support, accounting reports, online payments without percentage-based fees, withholding tax, recurring invoices, client portal, REST API, and an AI assistant with 45+ tools. Let us compare them honestly.

Pricing: The Hidden 2.9% Fee

SumUp Invoices is technically free to create invoices. Sounds great until you read the fine print.

Every time a client pays your SumUp invoice online, SumUp takes 2.9% + 15 cents. On a €1,000 invoice, that is €29.15. On €10,000 of monthly invoicing, you are losing nearly €300 per month in fees.

For premium features (recurring invoices, reminders, multi-user), SumUp Facturas Plus costs ~€10/month on top of those fees.

KipBill's pricing — with zero platform transaction fees:

Plan	Price	What You Get
Free	€0/month	Unlimited invoices, unlimited quotes, credit notes, 5 clients, 3 templates, withholding tax, AI assistant (10 messages), receipt scanning
Starter	€3/month	50 clients, 8 templates, unlimited emails, auto-reminders, recurring invoices, bulk email, 30 AI messages
Pro	€5/month	Unlimited everything, 25 templates, REST API, e-signatures, multi-user, Stripe payments, client portal, custom domain, 100 AI messages
Business	€12/month	Everything in Pro + advanced AI, teams up to 100 users, 200+ AI messages

KipBill never takes a percentage of your payments. A freelancer invoicing €5,000/month through SumUp would lose €145/month in fees — far more than KipBill Pro's €5/month.

The Real Cost of SumUp: Detailed Calculation

For a freelancer invoicing €5,000/month with online payments:

With SumUp (online collection):

Monthly fees: €5,000 x 2.9% + €0.15 x ~5 invoices = €145.75/month
Annual cost: €1,749/year in fees alone
With Plus (€10/month): €1,869/year

With KipBill Pro:

Monthly subscription: €5/month = €60/year
KipBill fees: €0
Stripe charges its own standard rates (~1.5% + €0.25 in Europe), but that is the payment processor, not KipBill

Difference: over €1,700/year saved with KipBill.

Full Feature Comparison: KipBill vs SumUp

Feature	KipBill	SumUp Invoices
Unlimited invoices	Free	Free (but 2.9% on payments)
Unlimited quotes	Free	Basic
Credit notes	Yes	Limited
Recurring invoices	Starter (€3/mo)	Plus (~€10/mo)
Auto-reminders	Starter	Plus
Withholding tax (IRPF)	Free	No
Multiple tax rates per line	Yes	Limited
Bulk email	Starter	No
WhatsApp sharing	Yes	No
E-signatures	Pro (€5/mo)	No
Multi-user	Up to 100	Plus
3 roles (Admin, Editor, Viewer)	Yes	No
Multiple businesses	Yes	No
P&L report	Yes	No
Tax report	Yes	No
Income report	Yes	Basic
Aging report	Yes	No
AI expense tracking	Yes (line-by-line)	Manual
Product library with inventory	Yes	Basic
Vendor management	Yes	No
Online payments	Stripe (0% KipBill fee)	2.9% + 15c
Partial payments	Yes	No
Client portal	Yes (self-service)	No
Client groups	Yes	No
AI assistant (45+ tools)	Yes	No
Voice commands (12 languages)	Yes	No
REST API	Pro	No
Custom SMTP	Yes	No
12 languages	Yes	~5
30+ currencies	Yes	Limited
25 industry templates	Yes	Basic

Multi-User with Professional Roles

KipBill supports up to 100 users with three roles: Admin, Editor, and Viewer. Your accountant can access directly as a viewer, download reports, and review your finances in real time.

SumUp offers limited multi-user only on Plus (~€10/month + transaction fees).

Financial Reports

KipBill includes P&L, tax report by rate, income report, and aging report. All exportable to CSV. SumUp offers basic sales reports only.

AI Assistant: 45+ Tools

KipBill includes an AI assistant with 45+ tools: voice and chat invoice creation in 12 languages, receipt scanning with per-item tax detection, file upload (Excel, CSV) parsing, and business queries. SumUp has no AI capabilities.

Online Payments: 0% vs 2.9%

KipBill integrates Stripe Connect (Pro plan, €5/month) with payment buttons on invoices, payment links, partial payments, and multiple payment methods. KipBill charges zero commission — you only pay Stripe's standard rates.

SumUp charges 2.9% + 15c on every online payment. That is their primary revenue source.

Client Portal

KipBill offers a self-service client portal with custom domain where clients view invoices, download PDFs, pay online, and accept quotes. SumUp does not offer a client portal.

Product Library, Inventory, and Vendors

KipBill includes a product/service catalog with pricing, tax rates, and stock tracking, vendor management, and client groups with shared defaults. SumUp has basic catalog only.

REST API and Customization

KipBill Pro includes a complete REST API, custom SMTP, custom portal domain, email open tracking, and custom number prefixes. SumUp offers none of these.

The Debitoor Migration Problem

Many former Debitoor users were unhappy with the migration to SumUp. Debitoor was clean and focused. SumUp is designed to push users toward payment processing.

If you loved Debitoor, KipBill is the closest spiritual successor — but with far more capabilities: multi-user, P&L reports, client portal, API, and AI-powered everything.

What SumUp Does Better

In-person payment processing — card readers and terminals for physical shops
Point of sale (POS) — complete retail system
Hardware ecosystem — readers, terminals, cash registers
Brand recognition — widely known in European retail

If your primary business is a physical shop where customers pay in person, and invoicing is secondary, SumUp's ecosystem makes sense.

Who Should Choose What

Choose SumUp if:

You already use a SumUp card reader
You run a physical shop with in-person payments as priority
You accept losing 2.9% + 15c per online payment

Choose KipBill if:

You need professional standalone invoicing (not a card reader add-on)
You need withholding tax (IRPF) support
You need multi-user with roles (accountant as viewer)
You want P&L, tax, and income reports
You do not want to lose 2.9% per payment
You want AI-powered invoicing (45+ tools, voice and chat)
You need Stripe payments without platform fees
You want a client portal with custom domain
You need recurring invoices and auto-reminders
You work internationally (12 languages, 30+ currencies)
You need a REST API
You want e-signatures, inventory, and vendor management

The Bottom Line

SumUp Invoices is a payment processing company that added invoicing. KipBill is a complete invoicing and financial management platform.

SumUp's "free" invoicing comes with a 2.9% tax on every online payment. For a business invoicing €5,000/month, that is over €1,700/year in hidden fees. KipBill Pro costs €60/year with zero platform fees.

Add multi-user with roles, P&L and tax reports, withholding tax, Stripe payments, client portal, REST API, recurring invoices, e-signatures, 45+ AI tools, 25 templates, 12 languages, and 30+ currencies — and the choice is clear.

Try KipBill free — no credit card, no transaction fees →