Procountor vs. Finctra: Do You Need an ERP or a Financial Co-pilot?
Is Procountor too complex for your small business? We compare the industry giant against Finctra to see which platform offers the right balance of power, usability, and price for Finnish SMEs.
Jul 24, 2025
Built for Accountants vs. Built for Entrepreneurs
In Finland and Nordic countries, Procountor is a titan. It is a robust, feature-rich electronic financial management software used by thousands of accounting firms. If you ask a traditional accountant what software to use, they will likely say Procountor because they are trained on it.
But you are the one running the business, not just filing the taxes.
The Core Distinction:
Procountor is Accounting Software. It allows for complex double-entry bookkeeping, fixed asset depreciation, and massive payrolls. It is designed for finance professionals who speak the language of "debits and credits."
Finctra is a Business Operating System. It is designed for business owners. We hide the accounting complexity behind a clean interface, focusing on what matters to you: Cash Flow, Invoicing, and Growth.
Usability: The Click Tax
Time is your most valuable asset. The biggest complaint about legacy enterprise software is the "Click Tax"—the sheer number of clicks and menus required to do a simple task.
The Procountor Experience: A powerful but dense interface with hundreds of menu options. Tasks often require navigating multiple screens and understanding specific accounting terminology. It has a steep learning curve.
The Finctra Experience: Zero training required. We use a modern, "consumer-grade" interface. Creating an invoice or checking your profit margins takes seconds, not minutes. It works as intuitively as your favorite mobile app.
The Hidden Cost of Transaction Fees
Legacy platforms often have complex pricing structures that punish growth. You might pay a base fee, but then pay extra for every invoice sent, every bill received, and every payslip generated.
Procountor Pricing: Typically involves a monthly fee (often €80+) plus transaction fees. As you grow and send more invoices, your bill grows with you.
Finctra Pricing: We believe in predictable costs.
Starter: €29/mo flat.
Growth: €49/mo flat.
Transaction Fees: None for PDF/Email invoicing. No surprises at the end of the month.
Features You Actually Use
Many SMEs pay for Procountor features they never touch (like complex group consolidation or international subsidiary management) while missing the features they do need.
What SMEs Actually Need (Finctra Focus):
Inventory Management: Built-in and linked to sales (Procountor often requires paid add-ons for this).
CRM: Built-in to manage client relationships (Not a core feature of Procountor).
Speed: Fast mobile access for receipts and invoices.
The Verdict: If you are paying for an aircraft carrier but just need a speedboat, you are overpaying.
Conclusion: Making the Right Choice
Stick with Procountor if:
You have 50+ employees and complex in-house payroll needs.
You have an internal CFO or accountant who demands specific ERP features.
You require complex double-entry adjustments daily.
Switch to Finctra if:
You have 1–50 employees and want agility.
You want to manage your own Invoicing, Inventory, and CRM in one place.
You find your current software confusing, slow, or "ugly."
You want to cut your software costs by 50% or more without losing control.
Don't let complex software slow you down. Start your free trial with Finctra today.
Competitor information is based on publicly available data as of July 2025. Features and pricing are subject to change.
