Articles on Invoicing & VAT
Invoices for every charge, VAT on online sales, and VeriFactu: what the Spanish tax authority expects when you sell online.
14 articles
Verifactu and stablecoins: 6 payments stories of the week
Possible Spanish tax agency letters over Verifactu and e-invoice mismatches, USDC settlement in LatAm and what the ECB published.
Coast, cash VAT and AI payments: 5 news stories of the week
What is known about Coast's funding round, why cash payment for renovations could raise VAT to 21% and what TEAC's new criterion on seizures changes.
Stablecoin cards: 4 updates on global payments and taxes
Learn how stablecoin cards, unified payment APIs, the expected Verifactu delay to 2028, and operational savings impact European digital businesses.
B2B invoicing deadlines, offline card payments and stablecoin orchestration
We review the divergence between VeriFactu and B2B e-invoicing, Mastercard's offline payment mandate, and new corporate stablecoin rails.
Credit access via open banking, invoice fraud protection, and the ECB's policy diagnosis
We examine open banking's role in tackling credit exclusion, Basware's purchase of Trustpair, and monetary challenges outlined by the European Central Bank.
Mid-cycle plan changes: proration, immediate charges, and invoice transparency
We explore the mechanics of subscription proration, the operational trade-offs between instant and deferred billing, and how to display charges clearly.
Cross-border alias payments via Bizum, transfers to digital wallets, and VAT balance scrutiny
Swift links systems like Bizum for international alias-based transfers, BNY introduces payments to digital wallets, and the Supreme Court confirms historic VAT audits.
Cash flow against late payments, new open payment networks, and the ECB agenda
We cover Duqu's funding round targeting unpaid invoices, Atum's open payments launch by a former Visa executive, and the ECB's updates on cash and digital money.
Stablecoin settlement arrives on card networks as P2P options expand
Mastercard and SoFi test blockchain settlement for card programmes, while Moov enables direct-to-card P2P payments. We also cover rising bank deposit yields and fiscal debates impacting businesses.
Amending an invoice after a refund: corrective invoices, deadlines, and already declared VAT
Refunding customer funds does not automatically cancel the original invoice or the VAT already remitted. Here is how corrective invoices work, statutory deadlines, and tax adjustments.
Free versus paid trial periods: technical impact on conversion, payment failures, and churn
Choosing between a free or paid trial alters sign-up rates, card processing workflows, payment failure frequency, and exposure to dispute costs.
The hidden cost of failed payments: return fees, retries, and lost customers
When a recurring transaction fails or a customer disputes a charge, the problem goes far beyond unpaid invoices. Direct processing fees, operational overhead, and involuntary churn multiply the true financial impact.
Simplified vs full invoice in online sales: legal thresholds and required data
Knowing when an online store can issue a simplified invoice and when it must collect full fiscal details is essential for conversion and tax compliance. We examine Spanish regulations and their technical impact on the checkout flow.
Invoicing subscriptions in Spain: VAT, renewals, and VeriFactu
A subscription is not a charge that repeats: it is a charge and an invoice that repeat. Who bears the VAT, what happens when the card expires, and what the verifiable invoicing rules demand all change the design from day one.