Snaply is a free invoicing tool for EU freelancers and small businesses. Every invoice is Factur-X and ZUGFeRD compliant by default — no setup required. Includes quotes, credit notes, expense tracking, client management, recurring billing and automated payment reminders. SEPA QR codes let clients pay instantly via bank transfer. With e-invoicing mandates coming in France and Germany, you are covered from day one. Free to start, no transaction fees, no credit card needed.