inFakt Review & Migration Guide 2026

Who Is This Review For?

If you run a business in Poland - or are considering one - and you're researching accounting and invoicing tools, inFakt is almost certainly on your shortlist. With over 500,000 registered users, it's one of the most recognised names in Polish business software. This review gives you an honest look at what inFakt does well, where it falls short, and when a different tool might serve you better.

What Is inFakt?

inFakt is a Polish cloud-based accounting and invoicing platform aimed at sole traders (jednoosobowa działalność gospodarcza) and small businesses. Founded in 2010, it was acquired by Visma Group, a major Nordic software company with operations across Europe. That acquisition brought financial stability and professional development resources - you're not dealing with a small startup.

The platform offers:

• Online invoicing - create, send, and manage sales invoices
• KSeF integration - full compliance with Poland's mandatory e-invoicing system (KSeF is Poland's mandatory e-invoicing system, required for most businesses from April 2026)
• JPK tax files - automated generation of JPK (Jednolity Plik Kontrolny, or Standard Audit File), which Polish tax authorities require businesses to submit electronically
• KPiR bookkeeping - a simplified ledger (Ksiega Przychodow i Rozchodow) used by most Polish sole traders instead of full double-entry accounting
• Online accounting service - a team of human accountants available on higher-tier plans
• Mobile app - iOS and Android, for invoicing and expense capture on the go
• Expense tracking - scan receipts, log costs, attach to transactions

In short, inFakt covers the core accounting needs of a Polish small business owner who wants to spend minimal time on paperwork.

inFakt Pricing (2026)

inFakt offers three main tiers. Pricing is in Polish zloty (PLN):

Plan	Price (PLN/month)	What's included
Free	0 PLN	Up to 3 invoices/month, basic income tracking, KSeF sending (limited), mobile app
Simple	~39–49 PLN/month	Unlimited invoices, full KSeF, JPK files, KPiR ledger, basic integrations
With Accountant	~119–250 PLN/month	Everything in Simple + dedicated accountant handles your tax declarations, VAT, social insurance (ZUS)

The "With Accountant" plan is popular among sole traders who want to outsource all tax compliance - you do the invoicing, a qualified accountant at inFakt handles the rest. For many one-person businesses in Poland, this beats hiring a traditional accounting office.

What inFakt Gets Right

1. Genuinely Simple to Use

This is inFakt's strongest card. The interface is clean, well-translated into plain Polish, and the invoice creation flow takes under two minutes. New business owners - often with zero accounting background - consistently praise how approachable it is. There's a reason it has 500,000+ users: it removes friction.

2. KSeF-Ready

KSeF (Poland's mandatory e-invoicing system) is the biggest change in Polish business administration in a decade. inFakt has invested heavily in KSeF compliance. Invoices send directly to the government system, you receive a KSeF number, and the whole flow is mostly automated. For a tool at this price point, the KSeF implementation is solid.

3. JPK File Generation

Polish businesses must submit JPK (Standard Audit File) files to the tax authority monthly. inFakt generates these automatically based on your transactions. For non-accountants, this removes a genuinely complex task. International business owners new to Poland will appreciate that they don't need to understand the underlying format - it just works.

4. The Accountant Option

The "With Accountant" plan gives you a real human accountant who monitors your declarations, flags tax deadlines, and handles ZUS (Polish social insurance) contributions. This is a competitive service. Traditional accounting offices in Poland charge similar or higher rates for the same scope, without the convenience of a connected invoicing platform.

5. Mobile App Quality

The iOS and Android apps are well-maintained. You can issue invoices, photograph receipts, and check payment status from your phone. For service providers and contractors who work on the move, this matters. The app has consistent ratings above 4.0 in both app stores.

6. Visma Group Backing

Being part of a large European software group means inFakt is unlikely to shut down, has resources to maintain KSeF compliance as regulations evolve, and follows professional data security standards. For business software you rely on daily, stability matters.

inFakt Limitations: What Users Complain About

1. No Automated Payment Reminders

This is the most commonly cited limitation in Polish user forums and review sites. inFakt lets you issue invoices and see which ones are overdue - but it does not automatically send payment reminders to your clients. You have to do that manually: find the unpaid invoice, write an email, send it, track the response, follow up again. For a business with 20+ invoices per month, this is significant manual overhead.

There is no reminder escalation - no way to automatically send a polite nudge at day 3, a firmer reminder at day 14, and a formal demand at day 30. You manage all of this yourself.

2. Collections Via a Separate Partner (Kaczmarski Inkasso)

If an invoice remains unpaid and you want to escalate beyond reminders, inFakt works with Kaczmarski Inkasso, a traditional debt collection agency. This is hard collections - an outside firm takes over the process, often on a commission basis. There is no soft, automated payment recovery built into the platform itself. The jump from "overdue invoice" to "debt collection agency" skips the middle ground entirely.

This matters because most late payments in Poland are not from clients who refuse to pay - they are from clients who forgot, are disorganised, or are waiting for their own clients to pay them. A gentle automated reminder resolves the majority of these cases without damaging the business relationship. inFakt has no tool for this.

3. No Integration Between Invoicing and Collections

Even with the Kaczmarski Inkasso partnership, there is no real integration. You don't see a unified view of invoice status, reminder history, and recovery progress in one place. The invoicing system and the collections process are entirely separate workflows.

4. Limited Customisation for Growing Businesses

inFakt is optimised for sole traders on simplified accounting. If your business grows - you hire employees, move to full bookkeeping, need CRM integration, or want complex invoice automation - you may find the platform's ceiling. Some users report switching to more capable tools as their businesses scale.

5. Customer Support Variability

Reviews on Opineo, Google, and Trustpilot show a pattern: most users are satisfied, but wait times for support increase during peak tax periods (March-April, November). The accountant plan users generally report better response times than self-service plan users.

What Polish Users Actually Say

Aggregating reviews from Polish platforms (Opineo, Google Reviews, App Store):

• "Simple and intuitive - I was invoicing in under an hour on day one." - common praise from freelancers and service providers
• "The accountant saved me during my first VAT audit. Worth every zloty." - satisfied "With Accountant" plan user
• "I have to chase my own unpaid invoices manually. For a paid tool, this should be automated." - recurring criticism, especially from B2B service businesses
• "KSeF integration worked from day one. No issues at all." - positive feedback post-KSeF launch
• "Support is slow in April. Twice had to wait 3 days for a response." - noted limitation during busy periods

The overall sentiment is positive for the core use case - simple invoicing for a Polish sole trader - and more mixed when users need anything beyond that baseline.

inFakt vs Terminovo: When Does Each Make Sense?

This is a Terminovo blog, so it's only fair to be transparent about the comparison. inFakt and Terminovo serve overlapping but distinct needs.

Feature	inFakt	Terminovo
KSeF e-invoicing	Yes	Yes (free)
JPK tax file generation	Yes	No (invoicing-focused)
Human accountant option	Yes (paid tier)	No
Automated payment reminders	No	Yes (core feature)
Reminder escalation sequences	No	Yes
Soft payment recovery automation	No	Yes
Hard collections integration	Via partner (Kaczmarski)	Separate process
Unified invoicing + recovery view	No	Yes
Mobile app	Yes	Yes
Starting price	0 PLN (3 invoices/month)	0 PLN (free KSeF invoicing)
Paid plans from	~39 PLN/month	49 PLN/month

Choose inFakt If:

• You want a full accounting solution - KSeF invoicing, JPK files, KPiR ledger - in a single tool
• You want a human accountant included in your monthly subscription
• You are a sole trader or very small business with straightforward accounting needs
• Your clients mostly pay on time and late payments are a rare exception, not a pattern
• You are new to running a business in Poland and want a well-established, easy-to-use starting point

Choose Terminovo If:

• You issue B2B invoices and regularly have clients who pay late
• You want payment reminders to go out automatically - without you doing anything manually
• You want to see, in one place, which invoices are outstanding and what reminder has already been sent
• You already have an accountant (or accounting office) and just need invoicing + payment recovery in one tool
• You want free KSeF e-invoicing with automated payment recovery built in from day one

Can You Use Both?

In some cases, yes. Some businesses use inFakt for full accounting and tax compliance - especially on the "With Accountant" plan - and use Terminovo separately for payment recovery. However, the lack of integration between the two systems means you manage two separate tools. If your primary pain point is unpaid invoices, it's worth asking whether you need inFakt's full accounting stack, or whether Terminovo's free KSeF invoicing covers your invoicing needs while solving the payment recovery problem at the same time.

The Bottom Line

inFakt is a well-built, reliable product for what it does. Its 500,000+ user base is not accidental - the platform genuinely makes accounting accessible for Polish sole traders. KSeF compliance is solid, the accountant option is competitively priced, and the mobile app is among the better ones in the Polish market.

The gap is payment recovery. inFakt sees invoicing as its job. What happens after the invoice is sent - chasing late payments, sending reminders, escalating when needed - is left to you. For businesses where B2B clients paying late is a regular occurrence rather than an edge case, that gap is expensive. Late payments cost Polish SMEs billions of zloty each year, not because clients are dishonest, but because a timely, professional reminder was never sent.

If that problem sounds familiar, Terminovo's automated payment recovery is worth a look alongside - or instead of - inFakt. Free KSeF invoicing is included. You can start without a subscription and see what automated reminders do for your cash flow.

Read the Terminovo vs inFakt comparison or explore inFakt alternatives.