FAQ
Questions, answered straight.
What Billingz does, what it deliberately does not do, and how the plans work and how to get in. If your question is not here, ask us directly.
The product
What does “covered for 60 days” actually calculate?
Runway is your cash after the VAT you hold and the income tax you set aside, divided by what goes out each day. Money you are owed counts only once it arrives, so hope does not inflate the number. For example: €4,200 in the account, €1,200 of it VAT and tax, so €3,000 is yours to run on. At €1,500 a month going out, that covers 60 days: Calm. It is a rule-based calculation from your own recorded data, recomputed as your numbers change. A signal about your position, not a prediction and not financial advice.
Does Billingz replace my accountant?
No, and it doesn't try to. Billingz is not accounting or bookkeeping software. It gives you the operational picture between accountant visits, and produces accountant-ready reports so those visits get shorter. Your accountant stays; the surprises go.
Where is my data stored?
In the European Union, on AWS in Frankfurt. Data is encrypted in transit and at rest, and card payments are processed by Stripe, so card details never touch Billingz systems. The full list of providers is public on our subprocessors page.
Do I need to understand VAT rules to send a correct invoice?
You don't need to memorise field lists. Billingz gives you every field your country's invoice needs and prompts for what your country requires: the rates and tax treatment are yours to choose, and responsibility for what you enter stays with you. Billingz does not connect to tax authorities. It processes your income and expenses, including invoices created elsewhere, and reporting to your tax institutions remains yours.
Guide: How to make an invoice that gets paidWhat happens in a month where I don't invoice anyone?
Nothing breaks and nothing punishes you. Your expenses, runway and signals keep working, and a quiet month is exactly when the “how long am I safe” answer matters most. On Free, the 3-invoice allowance simply resets next month.
Can I use Billingz outside the EU?
Yes. Invoicing rules are documented for 42 markets: every EU country, the UK, Switzerland, Norway, Iceland, the whole Western Balkans including North Macedonia, Moldova, Ukraine, the United States, Australia and New Zealand. Each market gets documents in the local language and format, plus an international version in English for cross-border work. EU rules come first, and coverage deepens with each release.
Guide: Do EU freelancers charge VAT on cross-border invoices?I'm a freelancer, not a company. Is Billingz for me?
Freelancers are exactly who Billingz is built for. When you start, you choose whether you work in your own name or through a company, and the documents follow: a sole professional's invoice carries your name and tax number, no company registry lines, and where your country applies withholding for individuals, the invoice shows it. You can switch to a company profile later without losing anything.
I'm not VAT registered. Can I still send invoices?
Yes. Tell Billingz you are not registered and your invoices simply carry no VAT: no rate column, no VAT total, no VAT number. Where your country requires a legal wording for that (Germany's small business rule, France's franchise note, and others), Billingz inserts the standard sentence for you, and you can edit it or turn it off. In countries where showing VAT while unregistered is an offence, the safest invoice is exactly the one Billingz produces: silent about VAT.
Guide: VAT registration thresholds across EuropeWill Billingz warn me before I have to register for VAT?
Not yet. Billingz shows your invoiced turnover period by period, so you can see how close you are; a signal as you approach your country's registration threshold is on the way. The guide below lists the thresholds country by country. Either way, the decision and the registration stay with you.
Guide: VAT registration thresholds across EuropeCan my clients pay by QR code or card link?
Both. Invoices carry a payment QR generated from your bank details, for euro transfers: the SEPA QR that banking apps across Europe understand. Prefer cards? Paste a payment link from Stripe, Revolut, PayPal or any provider and it prints beside your bank details, so the client chooses.
Does Billingz file my invoices with government e-invoicing systems?
Not today, and we say so plainly. In countries where invoices legally live in a government system (Italy, Serbia, Poland, and a growing list), Billingz is where you prepare the document and keep your numbers; issuing happens through the official channel. Billingz does not import invoices issued elsewhere: where a state system issues the invoice, you issue it there and copy the official number onto the Billingz invoice. Money from elsewhere goes in under “I got paid”, so your runway and signals stay complete. Direct connections are on the roadmap as mandates mature.
Guide: The e-invoicing wave across Europe, mappedWhat is “Cash Clarity”?
Your bank balance is misleading. VAT, reserves, and committed amounts aren't yours to spend. Cash Clarity separates these so you see only your real free cash. Available from Control upward.
Is Billingz accounting software?
No. Billingz is not a full accounting or bookkeeping system. It's a SaaS for invoices, expenses, and operational visibility. It works alongside your accountant, not instead of one.
What happens to my data if I stop using Billingz?
Your content stays yours. You can export it, and you can request deletion at any time. Account deletion is scheduled 30 days ahead, then everything is erased; backups are kept for 35 days. The one exception is what the law requires us to keep: invoicing records are retained under Bulgarian accounting rules, then deleted. The full detail is in the Privacy Policy.
Is there a mobile app?
Not at launch. Billingz starts on the web and works in your phone's browser, so you can send an invoice from your desk and check your runway from your pocket. Apps for iOS and Android come after launch.
Pricing and tiers
Why four tiers, not one or two?
Because running a business has stages, and a single tier would either overwhelm a beginner or starve an operator. Each tier maps to a real outcome: Start → Operate → Understand → Anticipate.
What's the difference between Core and Control?
Core lets you operate - unlimited invoices, expenses, reminders, reports. Control lets you understand - Cash Clarity, collections, payment speed, cost trends. Core runs the business; Control explains it.
Do the prices include VAT?
No. All listed prices are net prices - VAT is not included. VAT is applied on top according to the rules of your country and your VAT status. Business customers with a valid VAT ID may fall under reverse charge, depending on jurisdiction.
Can I really start for free?
Yes. Free is meant for trying the workflow. 3 invoices a month is enough to feel the system. When activity grows, the path to Core is obvious.
Why is SafeGuard the most expensive?
Because its job is to warn you before something goes wrong: Ahead, the next 60 days day by day with a warning before cash runs short, a risk level on every open invoice, a tax safety net that shows whether your tax money is still there, and an alert when a supplier's bank account changes, the usual shape of invoice fraud.
Can I move between tiers?
Yes. Each tier inherits everything below it. Upgrade when activity grows or when you want more visibility; nothing breaks if you do.
Getting in
When does Billingz launch?
Billingz opens to everyone on 3 November 2026. Until then it opens by invitation, in small groups, so every early user gets a reply from a person. Join the waiting list and we write when it is your turn.
Why can't I create an account straight away?
Because until 3 November Billingz opens by invitation, in small groups, so every early user gets a reply from a person. Join the waiting list, email only, and we write when it is your turn. From 3 November anyone can create an account.
Answers are short by design. For the working methods behind them, invoicing, VAT, expenses and tax reserves, read the guides.
Something we didn’t cover? Ask us directly · every message is read by a person.