Invoicing software for cross-border EU business: how to choose, and how the options compare

Most invoicing tools are built for one country. If your customers are spread across the EU, the questions that matter are different. This page sets out the criteria first and the products second, and says where each kind of tool is the better choice, including where that is not us.

What to look for

1. VAT treatment: does the tool decide or suggest reverse charge, exempt intra-Community supply, export or domestic VAT, and does it show the legal basis, or do you pick a tax rate by hand?
2. VAT number validation: is the customer's number checked against VIES, and is the evidence kept? The zero rate on intra-Community goods depends on a valid number.
3. Mandatory wording: are the required mentions (such as "Reverse charge") added automatically, in the customer's language?
4. The buyer's country: does anything check what the customer's Member State requires, or only your own?
5. Numbering and corrections: a gapless legal sequence, issued invoices that cannot be edited, corrections by credit note.
6. E-invoicing: can it produce EN 16931 files, and does it handle the national mandate you are under (VERI*FACTU in Spain, SdI in Italy, KSeF in Poland and so on)?
7. What else you need from the same tool: bookkeeping, tax returns, bank reconciliation, inventory, payroll.
8. Languages for your team and for your customers' documents, and the price at your invoice volume.

Three kinds of tool

National accounting suites

Products such as Holded and Quipu in Spain are built around one country's bookkeeping, tax forms and mandates, and most Member States have an equivalent. Holded describes itself as management software for SMEs with invoicing, accounting, treasury, inventory, CRM, projects, payroll and POS; Quipu as invoicing software for freelancers, companies and advisory firms with treasury, bank reconciliation and automatically generated tax forms. Both state that they are adapted to VERI*FACTU. Neither home page mentions intra-Community VAT, reverse charge or VIES (read 17 September 2026), so ask them how cross-border invoices are handled before relying on it.

Free global invoicing tools

Zoho Invoice describes itself as free invoice software for small businesses, with quotes, recurring invoices, time and expense tracking, payment reminders and a customer portal. Its pricing page states a limit of 500 invoices a year and two users, and its product page states VERI*FACTU compliance for Spain. Its listed country editions include Germany and the UK but not most EU Member States, and the pages we read do not mention reverse charge or VIES (read 17 September 2026).

EUFactura

EUFactura starts from the cross-border case: VAT treatment suggested from sourced rules, VIES validation with stored evidence, mandatory mentions in all 24 official EU languages, checks for the seller's and the buyer's country, immutable numbering, PDF and UBL output. It is not accounting software, it is not VERI*FACTU software, and it does not connect to Peppol or to national tax platforms: it hands each month over to your accountant.

Prices at a glance

• Holded: five plans from EUR 15 to EUR 199 a month (250 invoices a year and one user on the lowest, unlimited invoices on the highest), a 14-day trial and no permanent free plan (read 17 September 2026).
• Quipu: Starter EUR 17, Solution EUR 30 and Premium EUR 59 a month at regular price, with an introductory discount advertised (read 17 September 2026).
• Zoho Invoice: free, up to 500 invoices a year and two users (read 17 September 2026).
• EUFactura: free for one company and 5 invoices a month; EUR 9, EUR 29 and EUR 129 a month for Solo, Business and Scale.

Which to choose

• Choose a national accounting suite if you want invoicing, books and tax returns in one place for one country, or if you are a Spanish business that needs VERI*FACTU-adapted software now.
• Choose a free global tool if your invoices are simple, your volume is low, and you are comfortable setting the VAT treatment yourself.
• Choose EUFactura if getting the cross-border invoice right is the hard part: reverse charge, VIES, wording in the customer's language, the other country's rules.
• Using two is common and reasonable: issue cross-border invoices in EUFactura and hand the data to your accountant's suite through the exports, the XML files or accountant access.

Facts about other products come from their own public pages as read on 17 September 2026 and may have changed since. If something here is out of date, write to hello@eufactura.eu and we will correct it.