The verdict in three sentences
A business process automation project for an SME costs between 12,000 and 45,000 EUR (ex. VAT) in 2026, with a 6-to-12-week timeline depending on the number of connectors. The real trigger is not the price but the admin time recovered: 15 to 25 hours a week on invoice capture and follow-ups. The structural decision sits between a monthly iPaaS (Make, n8n, Zapier) for simple flows and custom development once the business logic becomes specific.
How much automation costs in 2026
The budget mostly depends on the number of systems to connect (accounting, CRM, bank, email) and the level of supervision expected. Here are the 2026 orders of magnitude seen in the French market.
| Scope | Timeline | Budget (ex. VAT) | Weekly gain |
|---|---|---|---|
| Automated customer follow-ups | 2-3 weeks | 12,000-18,000 EUR | 5-8 h |
| Supplier invoice capture (OCR) | 4-6 weeks | 18,000-28,000 EUR | 8-12 h |
| Synced accounting + CRM chain | 6-9 weeks | 25,000-38,000 EUR | 12-18 h |
| Multi-process automation | 8-12 weeks | 35,000-45,000 EUR | 18-25 h |
On top of these amounts, supervision (flow monitoring, failure alerts) is billed at 400 to 1,200 EUR/month, essential as soon as a flow touches billing.
Monthly iPaaS or custom development
Integration platforms (iPaaS) let you start fast with little heavy code. Custom becomes profitable when business rules are numerous or volumes explode.
| Criterion | iPaaS (Make, n8n, Zapier) | Custom development |
|---|---|---|
| Setup cost | 0-3,000 EUR | 12,000-45,000 EUR |
| Recurring cost | 20-500 EUR/month | 400-1,200 EUR/month (maintenance) |
| Time to go live | 1-3 weeks | 6-12 weeks |
| Complex business logic | Limited | Unlimited |
| Cost per volume tier | Rises fast (per task) | Stable |
| Code ownership | No | Yes |
Simple rule: under 5,000 operations/month with standard rules, iPaaS wins; beyond that, or with edge cases, custom regains the advantage over 24 months.
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Mini case study
Julien, CFO of a Paris trading SME (34 employees), processes 900 supplier invoices and 400 customer follow-ups a month. Two accountants spend about 20 h/week at a loaded cost of 32 EUR/h, i.e. 2,560 EUR/month. He invests 26,000 EUR (ex. VAT) in OCR + follow-up automation (6-week timeline) plus 700 EUR/month of supervision. The automation removes 15 h/week, i.e. 1,920 EUR/month saved; net of supervision, the net gain is 1,220 EUR/month. Build payback in ~21 months, but from month one the team refocuses on collections, improving days-sales-outstanding by 8 days.
FAQ
What is the minimum budget to start? Count on 12,000 EUR (ex. VAT) for a well-scoped first process (follow-ups or invoice OCR). Below that, a simple iPaaS subscription at 20-100 EUR/month is enough to test value before investing.
How long before I see a return? The time saving is immediate, but financial payback on the build lands between 9 and 24 months depending on volume. High-volume projects (over 800 invoices/month) often drop below 12 months.
Do we have to replace our accounting software? No. Automation plugs into your existing stack via connectors or APIs. You keep Sage, Cegid, Pennylane or EBP and add an orchestration layer on top.
Who maintains the automations over time? A supervision contract of 400 to 1,200 EUR/month covers monitoring, error handling and minor changes. It is the line item never to cut: an unmonitored flow that breaks costs more than its maintenance.
iPaaS or custom to begin? Start on iPaaS to validate the process, then switch to custom when volumes or rules justify the investment. Many SMEs keep a hybrid model for the long run.
Let's scope your project. Tell us the 2 or 3 most time-consuming processes, your monthly volume and current tools, with an indicative budget of 12,000 to 45,000 EUR (ex. VAT). Detailed quote within 48 h. WhatsApp +221 77 596 93 33.
Mohamed Bah
Fondateur, Kolonell
Passionate about digital and entrepreneurship in Africa, Mohamed has been helping Sénégalese businesses with their digital transformation since 2020. Founder of Kolonell, he believes every SME deserves a professional and accessible online présence.
