KipBill vs SumUp Invoices: The Honest 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 owner who needs standalone invoicing — creating professional invoices, sending quotes, tracking expenses, and managing clients — SumUp Invoices has some serious limitations. And some hidden costs that are not obvious until you start processing payments.

KipBill was built specifically for invoicing. No card readers required. No transaction fees. Let's compare them honestly.

Pricing: The Hidden 2.9% Fee

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

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

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

KipBill's pricing — with zero transaction fees:

Plan	Price	What You Get
Free	€0/month	Unlimited invoices, unlimited quotes, 5 clients, 3 templates, AI assistant (10 messages), receipt scanning
Starter	€3/month	50 clients, 8 templates, unlimited emails, auto-reminders, 30 AI messages
Pro	€5/month	Unlimited everything, 25 templates, API, e-signatures, multi-user, 100 AI messages
Business	€12/month	Everything in Pro + advanced AI assistant, team management, 200+ AI messages

KipBill never takes a percentage of your payments. You keep 100% of what your clients pay you. A freelancer invoicing €5,000/month through SumUp's payment links would lose €145/month in fees — far more than KipBill Pro's €5/month.

AI Assistant: Create Invoices by Voice in Seconds

This is the biggest gap between the two platforms. SumUp has no AI assistant. No voice commands. No conversational invoice creation.

KipBill includes an AI assistant that understands natural language in 12 languages. You can:

Create invoices by voice: "Create an invoice for John, consulting services €2,000, 20% VAT" — done in seconds
Create invoices by chat: Type what you need in plain language
Scan receipts with AI: Take a photo of any receipt — the AI extracts every line item, calculates tax, and creates the expense automatically
Ask questions: "How much did I invoice this quarter?" "What invoices are overdue?"

With SumUp, you fill in forms manually. Every field, every time. For a freelancer who creates 20 invoices a month, this adds up to hours of unnecessary data entry.

Receipt Scanning: AI Line-Item Extraction vs Nothing

SumUp Invoices offers basic expense tracking — you can log expenses manually or upload photos of receipts. But there is no intelligent scanning that extracts data from those receipts. You still type everything yourself.

KipBill's receipt scanner uses AI to extract:

Every individual line item with description, quantity, and unit price
Different tax rates per item (critical for receipts with mixed VAT rates)
The tax breakdown section at the bottom for accurate totals
Currency detection — EUR, USD, GBP, and more

Scan a restaurant receipt with 12 items across two tax rates, and KipBill extracts each item with its correct tax rate, matching the exact totals from the receipt. With SumUp, you would type all of that manually.

Templates: 25 Professional Designs vs Basic Options

SumUp offers a handful of basic invoice templates. They are functional but generic — they all look essentially the same with minor color variations.

KipBill offers 25 professionally designed templates tailored to specific industries:

Photography — clean portfolio-style layout
Construction — structured for progress billing and materials
Legal — formatted for billable hours and retainers
Restaurant — designed for catering and food service
Dental, Veterinary, Fitness — each adapted to their billing patterns

Every template is available in all 12 languages and adapts automatically to your client's locale.

International Capabilities

SumUp operates in many countries, but their invoicing tool supports approximately 5 languages. Their focus is on the payments ecosystem (card readers, POS), not on multilingual invoicing.

KipBill was built international from day one:

Feature	KipBill	SumUp Invoices
Languages	12 (EN, ES, FR, DE, IT, PT, NL, PL, JA, KO, ZH, AR)	~5
Currencies	30+	Limited
Invoice templates	25 industry-specific	Basic
AI assistant	12 languages	None
Transaction fees	0%	2.9% + 15c

If you work with international clients — billing in USD, GBP, or JPY — KipBill handles this natively. Your invoices, quotes, and client portal adapt to each client's language and currency automatically.

The Debitoor Migration Problem

Many former Debitoor users were unhappy with the migration to SumUp. Debitoor was a clean, focused invoicing tool. SumUp Invoices is a different product with a different philosophy — it is designed to push users toward SumUp's payment processing, where the real revenue comes from.

If you loved Debitoor for its simplicity and focus on invoicing, KipBill is the closest spiritual successor:

Standalone invoicing — no hardware ecosystem required
Clean, focused interface — does invoicing well, without ERP complexity
Fair pricing — no hidden transaction fees eating into your revenue
Modern AI features — something Debitoor never had but would have loved

Quotes & Proposals

Both platforms support quotes. However:

KipBill: Quotes are free for all users. Create unlimited quotes, send by email, and convert to invoice with one click.
SumUp: Basic quotes available, but advanced features require SumUp Facturas Plus (~€10/month) plus transaction fees on resulting invoices.

What SumUp Does Better

Let's be honest. SumUp has strengths that KipBill does not match:

Integrated payment processing — if you want clients to pay directly through the invoice with a card, SumUp makes this seamless (at 2.9% + 15c)
Card readers — if you have a physical shop or do markets, SumUp's card readers are excellent
Point of sale — SumUp offers a POS system for retail
Payment links — easy to create and share (but with transaction fees)
Brand recognition — SumUp is widely known in European retail

If your primary business is a physical shop where customers pay in person, and invoicing is secondary, SumUp's integrated ecosystem makes sense. The card reader plus invoicing combo is convenient.

But if invoicing is your primary need — you send invoices to clients who pay via bank transfer, and you need professional documents, multiple templates, expense tracking, and AI assistance — KipBill is the better tool.

Who Should Choose What

Choose SumUp Invoices if:

You already use a SumUp card reader and want everything in one ecosystem
You run a physical retail shop where in-person payments are primary
You are comfortable losing 2.9% + 15c on every online payment
You need integrated card payment processing on invoices

Choose KipBill if:

You primarily need invoicing, quotes, and expense tracking
You want AI-powered invoice creation by voice or chat
You do not want to lose 2.9% of every payment to transaction fees
You work with international clients (multiple languages and currencies)
You want 25 professional templates instead of basic designs
You are a former Debitoor user looking for a focused invoicing tool
You are a freelancer, consultant, or service business

The Bottom Line

SumUp Invoices is a payment processing company that added invoicing. KipBill is an invoicing company — period. That difference in focus shows in every feature.

SumUp's "free" invoicing comes with a 2.9% tax on every payment your clients make online. For a business invoicing €5,000/month, that is €1,740/year in hidden fees. KipBill Pro costs €60/year with zero transaction fees. The math is clear.

Add the AI assistant, 25 templates, receipt scanning with line-item extraction, and support for 12 languages, and the choice becomes obvious for anyone who needs standalone invoicing.

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