Zervant Invoicing and Billing Software: Get It or Pass? (June 2025)

Revenue Kiwi Editors
June 6, 2025

Introduction

Efficient invoicing and billing systems are vital for entrepreneurs and small businesses, and choosing the right platform can significantly impact your operations. Zervant, part of the Ageras group, has established itself as a leading provider of accounting, banking, and tax software. But is Zervant the right solution for you? You need to take a closer look at what Zervant offers to determine whether it’s worth your time and investment.

>>> MORE: Xero Accounting Software Review

LET’S CUT TO THE CHASE!

GET IT IF:

You’re a sole trader or small business owner looking for a straightforward invoicing solution
You need a free option to start with and plan to scale up later
You want an intuitive interface with minimal learning curve
You require features like time tracking, estimates, and mobile invoicing
You’re interested in e-invoicing capabilities
You need flexibility in payment options for your clients

DON'T GET IT IF:

You’re a large enterprise with complex invoicing needs
You require extensive accounting features beyond basic invoicing
You need advanced inventory management
You want a comprehensive all-in-one business management solution
You’re looking for extensive third-party integrations
You need advanced customization options for your invoices

THE BOTTOM LINE

Zervant offers a simple, user-friendly invoicing solution, ideal for sole traders and small businesses. You can take advantage of its tiered pricing, starting with a free plan and upgrading as your business expands. While it performs well in basic invoicing, time tracking, and e-invoicing, you may find it lacking if your business requires more advanced features or customization.

NOW, LET’S DETAIL THINGS FOR YOU.

Zervant offers a tiered pricing model with four distinct plans designed to meet your needs: Free, Starter, Pro, and Growth. You can choose the Free Plan, which costs £0 per month and allows you to manage 5 customers and send up to 5 invoices per month. This plan includes features such as sending invoices by email or PDF, creating estimates, and receiving support in 5 languages. You also get access to a mobile app, time tracking, and the option to accept online card and bank payments (with additional fees).

If you’re ready to expand, the Starter Plan is available at £8.99 per month (billed annually at £107.88). In addition to all Free Plan features, you can serve up to 30 customers, send unlimited invoices, and take advantage of 36 premium deliveries (either e-invoices or postal). This plan also lets you convert estimates to invoices, send payment reminders, and include attachments with your invoices.

The Pro Plan is priced at £15.99 per month (billed annually at £191.88). You get everything from the Starter Plan, plus unlimited customers, 120 premium deliveries, and the ability to transfer tracked time to invoices. You’ll also benefit from features like down payments, payment schedules, recurring invoices, support for multiple tradenames, and a bank connection.

The Growth Plan, at £35.99 per month (billed annually at £431.88), offers the most comprehensive package. In addition to all Pro Plan features, you’ll receive 360 premium deliveries to streamline your invoicing process.

All prices exclude VAT. If your business is VAT-registered in your country of residence, you won’t pay VAT on Zervant services. Otherwise, the Finnish VAT rate of 25.5% applies.

WHAT'S THE CATCH WITH ZERVANT?

While Zervant’s pricing structure appears straightforward, you should be aware of several potential drawbacks. The free plan is quite limited, allowing only 5 customers and 5 invoices per month, which can quickly become a constraint for any growing business. The listed prices for paid plans are based on annual billing, and if you choose monthly billing, you’ll end up paying more.

This detail isn’t immediately obvious on the pricing page and may catch you off guard. When it comes to online payments, Zervant charges additional fees. Card payments incur a 1.9% fee plus €0.25 per invoice for European cards, while bank payments come with a €0.99 fee plus VAT for each invoice.

If your business isn’t VAT-registered, you’ll also be charged Finnish VAT at 25.5%, which is higher than in many other European countries and could increase your overall costs. Pricing may vary outside countries like France, Germany, Finland, Belgium, Austria, the Netherlands, and Switzerland, and this lack of transparency could pose a challenge if you’re located elsewhere.

Paid plans include a limited number of “premium deliveries” (e-invoices or postal), and once you exceed this limit, you could face extra charges or restrictions. Lastly, for online card payments, you may encounter additional currency exchange fees, which aren’t clearly outlined upfront.

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WHAT YOU NEED TO KNOW

First, consider the plan scalability. Zervant offers a tiered structure that allows you to start small and scale as your business grows. However, be aware that the jump from the Free plan to the Starter plan is significant in both features and price. Carefully assess whether the additional features justify the cost for your business.

Next, think about customer limits. The Free plan allows you to manage five customers, while the Starter plan increases this to thirty. If your customer base is projected to exceed thirty soon, you should factor in an upgrade to the Pro plan, which accommodates unlimited customers.

Evaluate the invoice limits as well and consider premium deliveries while you factor in online payment fees. All plans allow for online payments, but the additional fees can accumulate. For card payments, expect to pay 1.9% plus €0.25 per invoice, and for bank payments, anticipate €0.99 plus VAT per invoice. Incorporate these costs into your pricing strategy if you plan to offer these payment options.

Time tracking is included in all plans, but only the Pro and Growth plans enable you to transfer tracked time directly to an invoice. If you bill by the hour, this feature can save you significant time and reduce errors.

Consider whether you need recurring invoices, as this feature is only available on the Pro and Growth plans. If you handle regular, repeat billing, it could be a major time-saver. If you operate multiple businesses or brands, you’ll need at least the Pro plan to manage them all within a single Zervant account.

The bank connection feature, available on the Pro and Growth plans, allows for easier reconciliation of payments, so think about how much time this could save you in bookkeeping. You can use the mobile app on all plans to create and send invoices on the go. This feature is particularly valuable for freelancers or businesses that operate outside a traditional office setting.

Zervant also supports e-invoicing, increasingly important for businesses dealing with the public sector. However, remember that the number of e-invoices you can send is limited by your plan’s premium delivery allowance.

Finally, you can create and send estimates and quotes on all plans, with the ability to convert these to invoices available from the Starter plan onward. Automated payment reminders start from the Starter plan and can help improve your cash flow by reducing late payments.

WHAT ARE ZERVANT'S COMPETITORS OFFERING?

To truly understand Zervant’s value proposition, compare it with its key competitors:

Xero: Xero also starts at $42 per month with its Growing plan. It offers more comprehensive accounting features and better inventory management. Additionally, it supports unlimited users on all plans, yet it has a higher starting price point and no free plan.
Invoicely: It offers a free plan with unlimited invoices and clients, with paid plans starting at $9.99 per month. Its generous free plan includes expense tracking on all plans and multi-currency support. However, its e-invoicing capabilities are not as robust as Zervant’s.
Zoho Invoice: Zoho Invoice provides a free plan for businesses with revenue up to $50,000 annually, transitioning to a paid plan that starts at $10 per month. This solution features a more generous free plan, better project management capabilities, and advanced customization options. It also integrates well with other Zoho products, but it focuses less on European e-invoicing standards.

WHAT AFFECTS ZERVANT'S PRICES?

Several factors influence Zervant’s pricing structure:

Customer Support: While all plans offer support in five languages, the quality and responsiveness of support may increase with higher-tier plans, affecting the pricing.
Processing Costs: The fees for online payments (both card and bank transfers) reflect the costs Zervant incurs from payment processors.
Development and Maintenance: Continuous improvement of the software, bug fixes, and updates all factor into the overall pricing structure.
Server Costs: As a cloud-based solution, Zervant incurs ongoing costs for hosting and securing user data, which are factored into the subscription fees.
Market Positioning: Zervant positions itself as a solution for sole traders and small businesses, which influences its pricing strategy to remain competitive in this market segment.
Geographical Variations: Zervant’s note about potential pricing differences outside certain European countries suggests that local market conditions and operational costs in different regions may affect pricing.

WHAT AFFECTS PRICES IN THE INDUSTRY OVERALL?

Several external factors influence pricing across the invoicing and accounting software industry:

Competition: The increasing number of players in the market puts pressure on companies to offer competitive pricing while still providing value.
Technological Advancements: As new technologies emerge (like AI and machine learning), companies invest in incorporating these features, which can drive up costs.
Regulatory Changes: Changes in accounting standards, tax laws, and data protection regulations (like GDPR) require ongoing updates to software, affecting development costs and, consequently, pricing.
Cloud Infrastructure Costs: As most modern solutions are cloud-based, fluctuations in cloud hosting and storage costs can impact pricing.
Cybersecurity Demands: Increasing cybersecurity threats necessitate ongoing investments in security measures, which can drive up costs across the industry.
Integration Capabilities: The growing need for software to integrate with other business tools requires ongoing development efforts, influencing pricing strategies.
Mobile Technology: The demand for mobile-friendly solutions requires additional development and maintenance, affecting overall costs.
Data Analytics: The increasing importance of data-driven decision-making pushes companies to invest in analytics capabilities, which can impact pricing.

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HOW TO GET THE BEST DEAL WITH ZERVANT?

To maximize your value when using Zervant, consider these strategies:

Start with the Free Plan: If you’re just starting out or have very basic needs, begin with the free plan to test the software and understand its capabilities.
Analyze Your Usage: Carefully track how many invoices you send, customers you have, and features you use. This will help you choose the most cost-effective plan for your needs.
Opt for Annual Billing: If you’re confident about using Zervant long-term, choose annual billing to save on the monthly cost.
Utilize All Features: Make sure you’re using all the features included in your plan to get the most value. For example, if you’re on the Starter plan or above, use the estimate-to-invoice conversion feature to save time.
Leverage the Mobile App: Available on all plans, the mobile app can help you invoice on the go, potentially saving time and improving cash flow.
Use E-invoicing: If your plan includes premium deliveries, take advantage of e-invoicing to speed up payment times and reduce paper waste.
Implement Time Tracking: Even on the free plan, use the time tracking feature to ensure you’re billing accurately for your time.
Set Up Payment Reminders: If you’re on the Starter plan or above, use the automated payment reminder feature to reduce late payments and improve cash flow.
Consider Upgrade Timing: If you’re approaching the limits of your current plan (e.g., nearing 30 customers on the Starter plan), time your upgrade strategically to maximize value.
Explore Financing Options: As part of the Ageras family, Zervant offers access to financing products. If you need help with cash flow, explore these options as they may offer better terms than traditional lenders.

CAN YOU AFFORD ZERVANT'S PRICES?

Can you assess whether you can afford Zervant by evaluating your current costs, including both money and time spent on invoicing and related tasks? How much time could Zervant potentially save you with features like recurring invoices, time tracking, and automated reminders, and what impact might this have on your administrative workload?

Have you calculated the potential revenue impact from faster invoicing and improved payment tracking, particularly regarding your cash flow? Lastly, how do the different plans compare to your needs, and have you factored in any additional costs like VAT and online payment fees to determine the best option for your business?

Affordability scenarios suggest that for freelancers billing £50 per hour, the Starter plan at £8.99 per month is likely worthwhile if it saves two hours on invoicing. Small businesses sending 50 invoices a month would find the Pro plan at £15.99, costing about £0.32 per invoice, to be a minor expense compared to their average invoice value. Although the Growth plan at £35.99 per month may appear expensive, it could prove cost-effective for growing businesses that need to manage 360 e-invoices efficiently.

FINALLY: SHOULD YOU BUY ZERVANT OR NOT?

After a thorough examination of Zervant’s features, pricing, and market position, here’s the final verdict: Yes, you should buy Zervant.

Zervant is an excellent choice for sole traders, freelancers, and small businesses who prioritize straightforward, efficient invoicing. Its user-friendly interface, scalable pricing model, and focus on core invoicing features make it a solid option for businesses that don’t need complex accounting functionalities.

Keep in mind that the best software is the one that fits your specific needs and helps your business run more efficiently. Zervant excels in its niche, but it’s up to you to determine if that niche aligns with your business requirements.

Ultimately, take advantage of Zervant’s free plan or 14-day trial of a paid plan. This hands-on experience will give you the best insight into whether Zervant is the right fit for your business. If you find it meets your needs and simplifies your invoicing process, then yes, you should buy Zervant. It could be the tool that helps you streamline your finances and focus more on growing your business.

Remember, in the world of small business, time is money. If Zervant can save you time on invoicing and financial management, it might just pay for itself many times over.