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FREE INVOICING WITH KSEF
Free Invoicing Software with KSeF — Start with 3 Free Invoices a Month
Terminovo is invoicing software that combines KSeF integration with automated payment recovery. Start with 3 invoices a month at no cost, no credit card required. Need more? The Invoices Only plan gives you 75 invoices for PLN 29/mo. And when a client pays late, Terminovo sends the reminder for you.
No credit card. 3 free invoices a month, no time limit.
app.terminovo.pl
Terminovo vs Other KSeF Invoicing Software 2026
Terminovo does not compete on free invoice limits — it competes on what happens after you hit send. Here is how invoicing with built-in payment recovery compares.
| Feature | TerminovoRecommended | Aplikacja Podatnika (MF) | iFirma (Free) | wFirma (Free) |
|---|---|---|---|---|
| KSeF integration | Limited | Limited | ||
| Automated payment reminders | From PLN 49/mo | |||
| Online payment link | ||||
| Escalation & formal demands | From PLN 119/mo | |||
| Invoices per month | 3 free / 75 for PLN 29 | Unlimited | 5 | 5 |
| Interest calculator | ||||
| Multi-language (PL/EN) | Partial | |||
| Mobile app | Responsive | |||
| Multi-company support | Paid |
Why Start with Terminovo?
Start free, no card needed
Sign up in 2 minutes with no credit card required. The free plan gives you 3 invoices a month at no cost, with no obligation and no expiry.
Growing? Move to Invoices Only
When 3 invoices a month is not enough, the Invoices Only plan (PLN 29/mo) gives you 75 — with no data loss and no need to switch tools.
Invoicing that chases its own payments
From the Starter plan (PLN 49/mo), Terminovo automatically reminds clients who are late paying. That is what sets us apart from a plain invoicing tool.
Cheap invoicing software — what does it really cost?
Search for cheap invoicing software and you'll often find deals where the low headline price grows once you add KSeF, a higher invoice limit, or payment reminders. Terminovo works differently: you start at PLN 0 (3 invoices/month, KSeF included), and when you need more, you pay PLN 29/month for 75 invoices — no extra fee for KSeF integration.
Only if you want the software to chase overdue payments for you does another tier apply: automated reminders from PLN 49/month. That's a transparent price ladder — PLN 0, PLN 29, PLN 49 — not a single "cheap" price that turns out to be incomplete.
See the full pricingFree Invoicing with KSeF — Ready from Day One
KSeF (Krajowy System e-Faktur) is Poland's mandatory e-invoicing system, which will be required for all businesses. Terminovo supports KSeF integration from the free plan — issue and receive up to 3 fully KSeF-compliant invoices a month at no cost, with no external tools to configure. Need more? The Invoices Only plan gives you full KSeF sync and 75 invoices for PLN 29/mo.
- Automatic invoice submission to KSeF upon issuance
- FA(2) schema validation before sending — zero rejections
- KSeF numbers shown on every invoice
- Full KSeF status history in the dashboard
- Structured invoices compliant with Ministry of Finance requirements
app.terminovo.pl
What Can You Do in Terminovo?
From a free start to automated payment reminders — see what is included in each plan.
KSeF-compliant e-invoices
Issue structured FA(2) invoices that are automatically submitted to the National e-Invoice System — start with 3 issued free each month (75 on the Invoices Only plan), and receiving is always unlimited. No manual uploading needed — Terminovo handles it for you.
Automated payment reminders
Set up a reminder sequence and Terminovo will automatically email and text clients with overdue invoices, from the Starter plan (PLN 49/mo). Less manual chasing, more invoices paid on time.
Multi-language invoices (PL/EN)
Issue invoices in Polish and English. The ideal solution for businesses working with foreign contractors or clients from other countries.
Receivables dashboard
A single view shows all invoices, due dates, and payment statuses. Always know who owes what and how long they have been overdue.
Legal calculators
The statutory interest calculator and 40/70/100 EUR compensation calculator are available without logging in. Calculate the exact amount owed for late payment in seconds.
Access from any device
Terminovo runs in the browser on desktop, tablet, and smartphone. The responsive interface lets you issue an invoice from anywhere — even on the way to a client meeting.
Who Is the Free Invoicing Plan For?
Terminovo works wherever you need simple, reliable invoicing with KSeF integration.
Freelancer / Sole Trader
Running a one-person business and issuing a handful of invoices each month? Start with 3 free invoices, then add automated payment reminders once you need them.
See the freelancer planSmall Business
A small team, a growing number of invoices, and a need to track payment deadlines? Terminovo supports multiple companies and multiple users under one account.
See the small business planAccounting Firm
Serving clients who need simple, affordable KSeF-compliant invoicing? Terminovo lets you manage multiple companies from a single account — with no entity limit on paid plans.
See the accounting firm planFrequently Asked Questions About Free Invoicing Software
Is Terminovo's free invoicing software really free?
Yes — the free plan is permanently free, with no credit card required and no time limit. It includes 3 issued invoices a month, unlimited KSeF invoice receiving, and an overdue-payments dashboard. Use it for as long as you like, and when you need more invoices, upgrade to Invoices Only (75 invoices for PLN 29/mo) or a higher plan.
How many invoices can I issue for free each month?
On the free plan, you can issue up to 3 invoices a month at no cost. Need more? The Invoices Only plan gives you 75 invoices for PLN 29/mo, and plans from Starter (PLN 49/mo) add automated payment reminders — there, issuing and reminders share one active-invoice pool (Starter: 15, Professional: 75, Business: unlimited).
Does the free plan support KSeF?
Yes, KSeF integration is available from the free plan — you can issue and receive up to 3 fully KSeF-compliant invoices a month. Terminovo automatically submits invoices to the National e-Invoice System, validates the FA(2) schema before sending, and stores KSeF numbers against every invoice. Need more invoices? Check the Invoices Only plan or higher.
Can I upgrade to a paid plan later?
Absolutely. You can move to Invoices Only, Starter, or a higher plan at any time without losing any data or invoice history. If needed, you can also return to the free plan — your invoices and client data remain safe and accessible regardless of which plan you are on.
Is my data safe?
Yes. Data is stored on servers located within the European Union, in compliance with GDPR requirements. All connections are encrypted (HTTPS/TLS). We perform regular backups, and account access is protected by a password and optionally by two-factor authentication. We do not share data with third parties for marketing purposes.
Does Terminovo work on mobile?
Yes. Terminovo is a web application with a responsive interface — it runs smoothly in the browser on smartphones, tablets, and computers. You can issue invoices, check payment statuses, and send reminders from any internet-connected device. No native mobile app installation is required.
What invoice formats are supported?
Terminovo supports structured XML invoices in the FA(2) format required by KSeF, as well as PDF invoices for download and email delivery. Invoices can be issued in Polish or English. We support VAT invoices, VAT-exempt invoices, advance invoices, final invoices, and credit notes.
Can I import data from another program?
Yes, Terminovo supports importing client and product/service data from a CSV file. If you previously used another invoicing program, you can transfer your client database without manual re-entry. For more complex migrations — such as from an ERP system — our team can assist with integration. Contact us via the contact form.
Start Issuing Invoices for Free — No Card Required
Join the businesses using Terminovo for KSeF-compliant invoicing and automated payment reminders. Registration takes 2 minutes. First invoice ready in 5 minutes.
Create your free accountNo credit card. 3 free invoices a month, no time limit.
Questions about paid plans? See pricing