QuickBooks Online
benchmark · US
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— Not assessed — Not assessed — Not assessed
German DACH-focused SMB accounting / invoicing SaaS (Offenburg, est. 2013); now a Cegid Company under a Silver Lake-controlled French parent.
Public DPA: Yes
Sub-processors: Yes
Open source: No
DE
Germany
Sovereignty
A single roll-up of ownership and CLOUD Act exposure.
EU-Sovereign
EU/EEA/Switzerland-owned and -operated, with no identified CLOUD Act exposure.
EU-Based
EU-operated, with at most minor or transient US exposure.
EU-Hosted
This listing
EU hosting available, but a US parent or hyperscaler sub-processor creates material exposure.
US-Linked
Operated by a US-incorporated entity, directly subject to US jurisdiction.
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Freemium
€11.90/mo
CLOUD Act exposure
How exposed customer data is to US authorities under the CLOUD Act (Clarifying Lawful Overseas Use of Data Act).
None
EU operator, no US parent, no US sub-processors of note.
Minor
A transient US sub-processor (CDN, maps); data at rest stays in the EU.
Material
This listing
US parent, or a core sub-processor is a US-owned hyperscaler.
Direct
The operator itself is US-incorporated.
UK-public accounting incumbent (FTSE 100, Newcastle, est. 1981); Sage Accounting cloud product for SMB.
Public DPA: Yes
Sub-processors: Yes
Open source: No
Sovereignty
A single roll-up of ownership and CLOUD Act exposure.
EU-Sovereign
EU/EEA/Switzerland-owned and -operated, with no identified CLOUD Act exposure.
EU-Based
EU-operated, with at most minor or transient US exposure.
EU-Hosted
This listing
EU hosting available, but a US parent or hyperscaler sub-processor creates material exposure.
US-Linked
Operated by a US-incorporated entity, directly subject to US jurisdiction.
ISO/IEC 27001
Paid
€16/mo
CLOUD Act exposure
How exposed customer data is to US authorities under the CLOUD Act (Clarifying Lawful Overseas Use of Data Act).
None
EU operator, no US parent, no US sub-processors of note.
Minor
A transient US sub-processor (CDN, maps); data at rest stays in the EU.
Material
This listing
US parent, or a core sub-processor is a US-owned hyperscaler.
Direct
The operator itself is US-incorporated.
Nordic ERP + accounting group (Oslo, 1996); 170+ company portfolio, 2.4M customers, Hg-majority + TPG co-invested.
Public DPA: No
Sub-processors: Yes
Open source: No
NL
Netherlands
Sovereignty
A single roll-up of ownership and CLOUD Act exposure.
EU-Sovereign
EU/EEA/Switzerland-owned and -operated, with no identified CLOUD Act exposure.
EU-Based
EU-operated, with at most minor or transient US exposure.
EU-Hosted
This listing
EU hosting available, but a US parent or hyperscaler sub-processor creates material exposure.
US-Linked
Operated by a US-incorporated entity, directly subject to US jurisdiction.
ISO/IEC 27001
Paid
CLOUD Act exposure
How exposed customer data is to US authorities under the CLOUD Act (Clarifying Lawful Overseas Use of Data Act).
None
EU operator, no US parent, no US sub-processors of note.
Minor
A transient US sub-processor (CDN, maps); data at rest stays in the EU.
Material
This listing
US parent, or a core sub-processor is a US-owned hyperscaler.
Direct
The operator itself is US-incorporated.
French unicorn accounting + financial-management platform for SMEs and accountants; $4.25B valuation at the January 2026 Series E, heavily US-VC-funded.
Public DPA: No
Sub-processors: Yes
Open source: No
IE
Ireland
Sovereignty
A single roll-up of ownership and CLOUD Act exposure.
EU-Sovereign
EU/EEA/Switzerland-owned and -operated, with no identified CLOUD Act exposure.
EU-Based
EU-operated, with at most minor or transient US exposure.
EU-Hosted
This listing
EU hosting available, but a US parent or hyperscaler sub-processor creates material exposure.
US-Linked
Operated by a US-incorporated entity, directly subject to US jurisdiction.
ISO/IEC 27001
Freemium
€7/mo
CLOUD Act exposure
How exposed customer data is to US authorities under the CLOUD Act (Clarifying Lawful Overseas Use of Data Act).
None
EU operator, no US parent, no US sub-processors of note.
Minor
A transient US sub-processor (CDN, maps); data at rest stays in the EU.
Material
This listing
US parent, or a core sub-processor is a US-owned hyperscaler.
Direct
The operator itself is US-incorporated.
Lexware Office: cloud accounting from Haufe Group (German family-owned), DSGVO + GoBD + TÜV, 400K+ DACH customers.
Public DPA: Yes
Sub-processors: Yes
Open source: No
Frankfurt · DE
Germany
Sovereignty
A single roll-up of ownership and CLOUD Act exposure.
EU-Sovereign
EU/EEA/Switzerland-owned and -operated, with no identified CLOUD Act exposure.
EU-Based
EU-operated, with at most minor or transient US exposure.
EU-Hosted
This listing
EU hosting available, but a US parent or hyperscaler sub-processor creates material exposure.
US-Linked
Operated by a US-incorporated entity, directly subject to US jurisdiction.
—
Paid
€7.90/mo
CLOUD Act exposure
How exposed customer data is to US authorities under the CLOUD Act (Clarifying Lawful Overseas Use of Data Act).
None
EU operator, no US parent, no US sub-processors of note.
Minor
A transient US sub-processor (CDN, maps); data at rest stays in the EU.
Material
This listing
US parent, or a core sub-processor is a US-owned hyperscaler.
Direct
The operator itself is US-incorporated.
Norwegian cloud accounting for sole traders and small companies; founder-owned, Norway-hosted, flat monthly pricing.
Public DPA: Yes
Sub-processors: Yes
Open source: No
NO
Norway
Sovereignty
A single roll-up of ownership and CLOUD Act exposure.
EU-Sovereign
EU/EEA/Switzerland-owned and -operated, with no identified CLOUD Act exposure.
EU-Based
EU-operated, with at most minor or transient US exposure.
EU-Hosted
This listing
EU hosting available, but a US parent or hyperscaler sub-processor creates material exposure.
US-Linked
Operated by a US-incorporated entity, directly subject to US jurisdiction.
—
Paid
€20/mo
CLOUD Act exposure
How exposed customer data is to US authorities under the CLOUD Act (Clarifying Lawful Overseas Use of Data Act).
None
EU operator, no US parent, no US sub-processors of note.
Minor
A transient US sub-processor (CDN, maps); data at rest stays in the EU.
Material
This listing
US parent, or a core sub-processor is a US-owned hyperscaler.
Direct
The operator itself is US-incorporated.
Norwegian cloud accounting/ERP for SMBs & accounting firms (Bodø, est. 1998); 75% Visma-owned, runs on Microsoft Azure EU.
Public DPA: Yes
Sub-processors: Yes
Open source: No
NL
Netherlands
Sovereignty
A single roll-up of ownership and CLOUD Act exposure.
EU-Sovereign
EU/EEA/Switzerland-owned and -operated, with no identified CLOUD Act exposure.
EU-Based
EU-operated, with at most minor or transient US exposure.
EU-Hosted
This listing
EU hosting available, but a US parent or hyperscaler sub-processor creates material exposure.
US-Linked
Operated by a US-incorporated entity, directly subject to US jurisdiction.
ISO/IEC 27001
Paid
€30/mo
CLOUD Act exposure
How exposed customer data is to US authorities under the CLOUD Act (Clarifying Lawful Overseas Use of Data Act).
None
EU operator, no US parent, no US sub-processors of note.
Minor
A transient US sub-processor (CDN, maps); data at rest stays in the EU.
Material
This listing
US parent, or a core sub-processor is a US-owned hyperscaler.
Direct
The operator itself is US-incorporated.
Norwegian free-invoicing-first accounting SaaS (founded 2009); 165K+ users, Norwegian-owned (founders + Must Invest), but runs entirely on AWS.
Public DPA: Yes
Sub-processors: Yes
Open source: No
IE
Ireland
Sovereignty
A single roll-up of ownership and CLOUD Act exposure.
EU-Sovereign
EU/EEA/Switzerland-owned and -operated, with no identified CLOUD Act exposure.
EU-Based
EU-operated, with at most minor or transient US exposure.
EU-Hosted
This listing
EU hosting available, but a US parent or hyperscaler sub-processor creates material exposure.
US-Linked
Operated by a US-incorporated entity, directly subject to US jurisdiction.
—
Freemium
€9/mo
CLOUD Act exposure
How exposed customer data is to US authorities under the CLOUD Act (Clarifying Lawful Overseas Use of Data Act).
None
EU operator, no US parent, no US sub-processors of note.
Minor
A transient US sub-processor (CDN, maps); data at rest stays in the EU.
Material
This listing
US parent, or a core sub-processor is a US-owned hyperscaler.
Direct
The operator itself is US-incorporated.
Swiss AI bookkeeping for SMEs and fiduciaries (Navor Sàrl, Lausanne, 2025); Swiss data residency claimed, no public DPA or sub-processor list.
Public DPA: No
Sub-processors: No
Open source: No
CH
Switzerland
Sovereignty
A single roll-up of ownership and CLOUD Act exposure.
EU-Sovereign
EU/EEA/Switzerland-owned and -operated, with no identified CLOUD Act exposure.
EU-Based
EU-operated, with at most minor or transient US exposure.
EU-Hosted
This listing
EU hosting available, but a US parent or hyperscaler sub-processor creates material exposure.
US-Linked
Operated by a US-incorporated entity, directly subject to US jurisdiction.
—
Paid
CHF 59.90/mo
CLOUD Act exposure
How exposed customer data is to US authorities under the CLOUD Act (Clarifying Lawful Overseas Use of Data Act).
None
EU operator, no US parent, no US sub-processors of note.
Minor
A transient US sub-processor (CDN, maps); data at rest stays in the EU.
Material
This listing
US parent, or a core sub-processor is a US-owned hyperscaler.
Direct
The operator itself is US-incorporated.
