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Build vs. buy: e-invoicing

E-invoicing solution comparison for software vendors

European software vendors typically choose one of three models to implement e-invoicing: build it in-house, connect through a basic gateway, or embed a partner API that handles compliance, routing, and scale for you.

Three ways to add e-invoicing to your software product

If you’re building software for European customers, there are three common approaches to e-invoicing integration. Each comes with different trade-offs in speed, control, and long-term cost.

1

Build your own e-invoicing solution

You design, build, operate, and maintain everything internally: formats, compliance logic, connections, and updates.

2

Use a basic gateway provider

You send invoices through a pass-through service that handles delivery, but leaves most compliance, monitoring, and error handling to you.

3

Embed an e-invoicing partner API

You integrate once with a specialised partner that manages regulatory changes, routing, and operational reliability behind the scenes.

Five decision factors that matter before you choose

Before committing to an e-invoicing model, European software platforms should evaluate these five factors carefully.

1. Time to market

How quickly can you launch and adapt when requirements change?

 

2. Compliance & regulatory upkeep

Who tracks new EU mandates, local variations, and format changes?

3. Multi-country readiness

Can your solution expand beyond one country without re-engineering?

4. Operational overhead

Who handles monitoring, routing errors, updates, and incidents?

5. Customer experience

How seamless is onboarding, reliability, and support inside your product?

One more thing...

What looks simple in one market can become complex and fast, especially when you scale locally or cross borders.

Build vs. buy: choosing the right e-invoicing model

How you implement e-invoicing today affects your product roadmap, maintenance effort, and expansion potential tomorrow.

Criteria

Build in-house

Basic gateway provider

Embedded partner API

Criteria

Time to market

Time to market

Slow
Medium
Fast

Compliance management

Compliance management

Your responsibility
Shared
Fully managed

Multi-country support

Multi-country support

High effort
Limited
Built-in

Ongoing maintenance

Ongoing maintenance

High
Medium
Low

Operational risk

Operational risk

High
Medium
Low

Scalability

Scalability

Complex
Moderate
Designed to scale

Internal expertise required

Internal expertise required

High
Medium
Low

Change management effort

Change management effort

High
Medium
Low

Cost predictability

Cost predictability

Low
Medium
High

Dependency risk

Dependency risk

Internal key-person risk
Mixed
External partner dependency

Customer-facing complexity

Customer-facing complexity

High
Medium
Low

Future document expansion

Future document expansion

Custom work
Limited
Designed to extend

Best for

Best for

Large platforms with deep DevOps or compliance teams
Narrow or single-market use cases
SaaS vendors that want to scale with minimal maintenance load
 

Build in-house

Basic gateway provider

Embedded partner API

FAQ: E-invoicing solutions for European software vendors

Common questions about adding e-invoicing to your software product. Answered clearly and without jargon.

Most software vendors choose one of three models: build e-invoicing in-house, use a basic gateway for delivery, or embed a partner API that manages compliance, routing, and operations. The best fit depends on your time-to-market needs, country coverage, and how much ongoing maintenance you want to own.

A gateway typically focuses on sending documents through a network, while you still handle much of the compliance logic, monitoring, and exceptions. An embedded API approach usually goes further by managing regulatory updates, routing complexity, and operational reliability behind the integration.

Building can make sense if you only need one market, have in-house compliance expertise, and are prepared to maintain it as long-term infrastructure. It’s less ideal when you expect frequent regulatory change, multi-country expansion, or want to minimise operational overhead.

Requirements rarely scale linearly across borders. New markets often mean different formats, local rules, network requirements, and exception handling. Many teams find that multi-country readiness becomes the biggest driver behind choosing a partner-based approach.

If you build in-house, your team owns compliance tracking and updates. With a basic gateway, responsibility is often shared or split depending on scope. With an embedded partner API, regulatory change management is typically handled by the partner as part of the service.

Prioritise multi-country coverage, developer-friendly integration and testing, reliable identifier resolution and routing, proven regulatory change handling, and clear SLAs and pricing. Your partner effectively becomes part of your infrastructure, so predictability matters.

Start by mapping your target countries, compliance requirements, and desired customer experience, then compare how each model affects time-to-market and ongoing maintenance. If you want a faster evaluation, a short technical fit discussion can clarify what’s realistic for your roadmap.

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What most teams underestimate about building e-invoicing on their own

Building e-invoicing in Europe often looks manageable at first: one format, one network, one market.

The real cost appears later, especially when regulations change, volumes grow, and new countries come into scope. What started as a feature becomes infrastructure, with ongoing compliance and operational responsibility attached.

That’s why many software vendors eventually rethink their initial approach.

What to look for in an embedded e-invoicing partner API

If you decide to embed e-invoicing, your partner becomes part of your infrastructure. Choose accordingly.

icon-check-00914E (1)-1Coverage across multiple EU markets and frameworks

 

icon-check-00914E (1)-1Full document scope: invoices today, other trade documents tomorrow

 

icon-check-00914E (1)-1Strong onboarding and reliable identifier resolution

 

icon-check-00914E (1)-1Developer-friendly APIs, sandbox environments, and documentation

icon-check-00914E (1)-1A proven track record of handling regulatory change without breaking integrations

 

icon-check-00914E (1)-1Clear SLAs and predictable commercial models

 

Our pro tip: Always go with infrastructure you don’t have to maintain.