One e-invoice, ready across Germany, Austria & Switzerland.
B2B e-invoicing is going mandatory in Germany (receiving since 2025, issuing from 2027) — and Austria and Switzerland accept the same standard. Every Citofact invoice is a ZUGFeRD / Factur-X file (EN 16931), generated automatically and ready across the DACH region (incl. CHF). France and Belgium are on the way — and every invoice stays invisible to your client, with 0% markup.
On a €5,000 invoice
- Invoice
- €5,000.00
- Platform cut
€500.00not charged€0.00- You keep
- €5,000.00
One-click Google sign-up. Send your first invoice with just your bank details — add Stripe later if you also want card payments. No credit card required.
| Description | Qty | Total |
|---|---|---|
| Web Development Services | 1 | €2,500.00 |
| Brand Identity Refresh | 1 | €2,500.00 |
| Subtotal | €5,000.00 | |
| Total | €5,000.00 | |
Bank transfer · Card · Apple Pay · SEPA
This is exactly what your client receives — your logo, your company, your bank details. No mention of Citofact.
E-invoicing
E-invoicing compliance, already built in.
Germany's B2B e-invoicing mandate is here — businesses must receive structured e-invoices since 2025 and issue them from 2027 — and Austria and Switzerland accept the very same standard. Every Citofact invoice is built to EN 16931 as a ZUGFeRD / Factur-X file: ready across Germany, Austria and Switzerland today (Swiss francs included). France and Belgium are on our roadmap.
ZUGFeRD & Factur-X
One PDF/A-3 file built to EN 16931 — the ZUGFeRD / Factur-X standard Germany requires and Austria & Switzerland accept — readable by both your client and their accounting software.
EN 16931 standard
Built to the European e-invoicing norm (ZUGFeRD 2.x, Comfort profile) — the standard every EU mandate is based on.
German specifics
§19 UStG small-business note, VAT ID & tax number, SEPA transfer details — handled automatically.
General information, not legal advice.
Invisible by design
Your client never sees Citofact.
The invoice carries your brand and your legal identity. The money goes straight to your own bank or Stripe account. Citofact sits in the background — never appears to your client, and never touches a cent.
Your brand, never ours
Your logo, colors, company name, tax IDs and bank details on every invoice, email, and payment page. No Citofact logo, ever.
Your account, your money
Clients pay into your own bank account by transfer, or your connected Stripe for cards. We take 0% and never hold your funds.
We're never in the room
Replies go to you, the sender is you. Your client never learns Citofact exists.
How it works
Send your first invoice in four steps
From a cold sign-up to your first invoice sent — usually under ten minutes.
- 1
Sign up in seconds
One click with Google, add your company details. Under a minute — no credit card.
- 2
Choose how you get paid
Add your bank details for fee-free transfers — and optionally connect your own Stripe to take cards too. Either way, clients pay you directly, with no middleman in the money path.
- 3
Build a branded invoice
Type it into the live preview. It's already a compliant ZUGFeRD e-invoice with your logo, identity, and bank details.
- 4
Send it — get paid
Your client opens a branded email and pays by bank transfer or card (Apple Pay, Google Pay, SEPA). The invoice is marked paid — and we stay invisible.
What's included
Everything you need to bill compliantly
Mandate-ready e-invoices
Every invoice is a compliant ZUGFeRD / EN 16931 e-invoice — on every plan, free included.
White-label branding
Your logo, accent color, company identity and reply-to. Clients see your brand, not ours.
Keep every cent
We never take a cut of your invoices. Paid by bank transfer, you keep every cent — no processing fee at all.
Pay any way
Bank transfer for zero fees, or card, Apple Pay, Google Pay and SEPA via Stripe when you enable it. Your client picks.
30-second builder
A live split-pane editor: watch the invoice take shape as you type. Invite your team with roles to bill alongside you.
Straight to your account
Payments land directly in your own bank or Stripe account. Card payments reconcile automatically; transfers are one click to mark paid.
Pricing
Stop paying for a middleman.
On a €5,000 invoice, here's what each platform takes off the top — before payment processing.
| Platform | Platform markup | Taken from you | You keep |
|---|---|---|---|
| Upwork | 10% contract fee | €500 | €4,500 |
| Gumroad | 10% platform fee | €500 | €4,500 |
| Citofact | 0% | €0 | €5,000 |
Card payments carry Stripe's standard processing fees (around 1.5% + €0.25 for EU cards, varies by card and region) on every platform above — paid to Stripe, not Citofact. Prefer zero fees? Clients can pay by bank transfer instead — no processing fee at all. We add no platform markup on your invoices, full stop.
Citofact is free to use while it's in active development. Paid plans are coming — Founding Members who join now lock in a permanent discount at launch, with plenty of notice before any charge. The 0% platform markup above never changes.
Compliant, invisible, yours.
Send your first invoice today. Free while we're in development — Founding Members lock in a permanent discount when paid plans launch.
No credit card required.