Swiver is an online invoicing and commercial management tool for Tunisian small businesses. Swifto is a Tunisian ERP that also covers accounting, payroll, CRM, manufacturing, fleet management and mobile field sales. Here are the facts, with public pricing, checked on 7 September 2026.
Swiver and Swifto are both Tunisian online solutions, but they do not cover the same scope. Swiver focuses on invoicing and commercial management: quotes, invoices, purchases, cash flow, point of sale and TTN-certified electronic invoicing, from 450 TND excl. tax per year for one user (Economic plan) and 600 TND excl. tax per year for three users (Premium plan). 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 depends less on the headline price than on how many users you need and which modules you will need twelve months from now. Facts checked on both publishers' public pages on 7 September 2026.
Swiver is a solid, widely adopted invoicing product. The question is not its quality, but how much management your business needs. Here is what each publisher states on its own website.
Every cell reflects what the publisher states on its own pages. “Not stated” means the information was not found on the site consulted on 7 September 2026, not that the product lacks it.
| Criterion (Tunisian SME) | Swifto | Swiver |
|---|---|---|
| Public entry price | 59.9 TND excl. tax/month (Premium) | 450 TND excl. tax/year (Economic) |
| Users included at entry price | 5 | 1 (3 on the Premium plan) |
| Cost per user on the highlighted plan (calculation) | ≈ 12 TND excl. tax/month | ≈ 16.7 TND excl. tax/month |
| Permanent free plan | No (14-day demo, no card) | No (14-day free plan) |
| Invoices, quotes, delivery notes | Yes | Yes |
| El Fatoora / TTN electronic invoicing | Yes | Yes (TTN-certified platform) |
| Purchases, suppliers and expenses | Yes | Yes |
| Cash flow and bank accounts | Yes | Yes |
| Multi-warehouse stock | Yes | Yes |
| Batch and expiry-date stock | Yes | Not stated |
| General accounting | 49 TND excl. tax/month option | Not stated in the plans |
| CNSS / IRPP / CSS payroll and leave | Included in Diamant | Simulator only |
| CRM and sales cycle | 25 TND excl. tax/month option | Not offered |
| Mobile field sales and rounds | 10 TND excl. tax/month per seller | Not offered |
| Point of sale | 10 TND excl. tax/month per till | Included in every plan |
| Manufacturing orders | Yes (Sur mesure plan) | Not offered |
| Fleet management | Included in Diamant | Not offered |
| Mobile applications | Yes, with offline mode | Android app announced |
| AI assistant | Swifto IA, 19 TND excl. tax/month | Not stated |
| Website languages | French, English, Arabic | French, Arabic |
Comparison made in good faith on 7 September 2026 from the public pages listed in the sources. Offers change: check with each publisher before deciding. “Per user” figures are our calculations from public prices.
Every statement on this page comes from one of these public pages. No reviews, ratings or private data were used.
There is no absolute right answer. There is a management scope, a number of users and a budget.
You are a sole trader, a professional or a small structure: you issue invoices, track purchases and cash, take payments at the counter and want to comply with electronic invoicing — with one to three users and a tight annual budget. The Economic plan at 450 TND excl. tax/year covers that need.
You have several users, employees to pay, stock to trace by batch or expiry date, sales reps or drivers on the road, a production workshop or a vehicle fleet. Swifto brings those modules together with a single publisher, with 5 users from 59.9 TND excl. tax/month.
Test both before signing. Swifto offers a 14-day demo with no credit card, on your own data; Swiver advertises a 14-day free plan and a 90-day refund. First list your five non-negotiable needs for the next twelve months, then check them one by one in each tool.
Rather than a table, a demonstration: we open Swifto on your invoices, your stock and your employees, and you see live what a full ERP changes. 14-day demo, no credit card.