Finco is a Tunisian invoicing and commercial management tool with a free plan and electronic invoicing presented as state-approved. Swifto is a Tunisian ERP that also covers accounting, payroll, CRM, manufacturing, fleet management and mobile field sales. The facts and public pricing, as of 7 September 2026.
Both solutions are Tunisian and online, but they do not serve the same need. Finco focuses on invoicing and commercial management, with two plans at 0 TND and a Pro tier at 49 TND incl. tax per month, unlimited users. Mind the basis of comparison: that price is published tax included, i.e. roughly 41 TND excl. tax if a 19% VAT rate is applied (our calculation), whereas Swifto prices are quoted excluding tax. Swifto is a full ERP: on top of invoicing and stock it adds general accounting, CNSS/IRPP/CSS payroll, CRM, manufacturing orders, fleet management and mobile field sales, from 59.9 TND excl. tax per month for five users. The decision therefore rests on management scope and on the number of users, not on the headline price alone. Facts checked on 7 September 2026.
Finco is a serious invoicing product, clear about its pricing and strong on tax compliance. The question is not its quality, but how much management you need. Here is what each publisher states.
Every cell reflects what the publisher states on its pages. “Not stated” means the information was not found on 7 September 2026, not that the product lacks it.
| Criterion (Tunisian SME) | Swifto | Finco |
|---|---|---|
| Public entry price | 59.9 TND excl. tax/month (Premium) | 49 TND incl. tax/month (Pro), i.e. ≈ 41 TND excl. tax (calculation) |
| Users included | 5, then 10 TND excl. tax/user | Unlimited |
| Permanent free plan | No (14-day demo) | Yes (sole trader; 20 invoices/month on Discovery) |
| Invoices, quotes, delivery and credit notes | Yes | Yes |
| El Fatoora / TTN electronic invoicing | Yes | Yes, advertised as approved, included from the free plan |
| Cash flow and banks | Yes (unlimited accounts on Diamant) | Yes (dashboards) |
| Multi-warehouse stock | Yes | Yes (unlimited warehouses beyond Discovery) |
| Batch and expiry-date stock | Yes | Not stated |
| General accounting | 49 TND excl. tax/month option | Not offered |
| CNSS / IRPP / CSS payroll | Included in Diamant | Not offered |
| CRM and sales cycle | 25 TND excl. tax/month option | Not offered |
| Mobile field sales | 10 TND excl. tax/month per seller | Not offered |
| Point of sale | 10 TND excl. tax/month per till | Not detailed on the site |
| Manufacturing orders | Yes (Sur mesure plan) | Not offered |
| Fleet management | Included in Diamant | Not offered |
| Mobile applications | Yes, with offline mode | Yes (Google Play); offline not stated |
| AI assistant | Swifto IA, 19 TND excl. tax/month | “Artificial intelligence” advertised, not detailed |
| Multi-company | 2 on Sur mesure, then 49 TND excl. tax/month | Not stated |
| Website languages | French, English, Arabic | French, English |
Basis of comparison: the other side's Pro price is published incl. tax while Swifto prices are excl. tax; the “≈ 41 TND excl. tax” figure is a calculation using a 19% VAT rate, not a published price. Comparison made in good faith on 7 September 2026 from the pages listed in the sources; offers change.
Every statement comes from one of these public pages. No reviews, ratings or private data were used.
There is no absolute right answer: there is a scope, a number of users and a budget.
You are a sole trader, a freelancer or a small structure: you issue invoices, track purchases and cash, want to comply with electronic invoicing without any upfront budget and with many users. The Sole Trader plan at 0 TND and the Pro tier cover exactly that need.
You keep general accounts, you pay employees, you trace stock by batch or expiry date, you have sellers on the road, a workshop or a vehicle fleet. Swifto brings those modules together with a single publisher, from 59.9 TND excl. tax per month.
Test both: the Swifto demo runs for 14 days with no card, on your own data, and the free plan on the other side lets you issue real invoices with no commitment. Write down your five non-negotiable needs for the next twelve months, then compare prices on the same basis.
Rather than a table, a demonstration: we open Swifto on your invoices, your stock and your employees. 14-day demo, no credit card.