Stripe + KSeF in Poland 2026: How to Issue Compliant Invoices
Running a business in Poland and accepting payments through Stripe? You need to issue VAT invoices — and starting in 2026, those invoices must go through KSeF (Poland's National e-Invoice System). The problem: Stripe doesn't support KSeF and has no plans to. Here's how to solve it.
The Problem: Stripe Doesn't Support KSeF
If you run a business in Poland and accept payments through Stripe, you have a compliance problem. Stripe sends payment receipts to customers, but a receipt is not a VAT invoice. B2B customers need proper VAT invoices to deduct VAT, and Polish law requires you to issue an invoice on request — or automatically when both parties are businesses.
Stripe is an American company. Polish e-invoicing is not on their roadmap. Stripe Invoicing generates invoices in their own format, but it does not create KSeF-compliant XML files (FA(2) format) and does not send anything to the Polish Ministry of Finance system.
What Stripe cannot do:
The solution:
You need a bridge between Stripe and a Polish invoicing system. Tools like Stripto connect Stripe to Fakturownia or inFakt — and those programs handle KSeF automatically.
What is KSeF?
KSeF (Krajowy System e-Faktur) — the National e-Invoice System — is a Polish government platform that will process all B2B invoices in Poland. Every VAT invoice must be issued as a structured XML file and sent to the Ministry of Finance system.
Key facts about KSeF:
Good news: You don't need to interact with KSeF directly. Polish accounting programs like Fakturownia and inFakt have built-in KSeF integration — they convert your invoices to the required XML format and send them automatically. You just need to get your invoices into one of these programs.
KSeF Mandatory Timeline (2026)
KSeF is being rolled out in phases. The exact dates have been adjusted several times, but here is the current timeline as of 2026:
Mandatory for large businesses
Companies with annual revenue over 200 million PLN must use KSeF for all B2B invoices.
Mandatory for all VAT-registered businesses
All VAT-registered businesses in Poland must issue invoices through KSeF — regardless of size, including sole traders (JDG) and micro-companies.
Enforcement and penalties
Penalties for non-compliance: up to 100% of the VAT amount on the invoice. The Ministry of Finance can reject invoices that don't meet the FA(2) schema.
Bottom line: If you're a VAT-registered business in Poland accepting payments through Stripe, you need KSeF-compliant invoicing now. Setting it up today saves you from last-minute scrambling and potential penalties.
3 Ways to Issue Invoices from Stripe in Poland
There's no single perfect solution — it depends on your transaction volume, your accounting software, and how much time you want to spend on invoicing. Here are your three options:
Stripe Invoicing (Built-in)
Stripe has a built-in invoicing feature. You create an invoice in the Stripe dashboard, the customer gets an email with a payment link, and they pay directly. It works well when the invoice is the payment request.
Pros
Cons
Best for: Few invoices per month, foreign customers who don't need Polish VAT invoices.
Manual Invoicing in Accounting Software
After each Stripe payment, you manually create an invoice in Fakturownia, inFakt, or another Polish accounting program. You copy the customer data from Stripe and enter it by hand.
Pros
Cons
Best for: A few transactions per week, when you need full control over your accounting.
Automatic Invoices with Stripto
Stripto connects your Stripe account to Fakturownia or inFakt. Every Stripe payment automatically creates an invoice in your accounting software — which then sends it to KSeF. No manual work, no copying data, no code.
Pros
Cons
Best for: Any Polish business using Stripe — especially with 10+ transactions per month. The automation pays for itself quickly.
Try Stripto Free (10 invoices)Stripto: Connect Stripe to KSeF in 1 Minute
Stripto is the missing link between Stripe and KSeF. It's a lightweight tool that connects your Stripe account to Fakturownia or inFakt — and invoices create themselves automatically with every payment.
Stripe → Fakturownia / inFakt
Every Stripe payment automatically creates an invoice in your accounting software. Full API integration.
NIP & company data from Stripe
Buyer data (NIP, company name, address) is pulled from Stripe payment metadata and placed on the invoice automatically.
KSeF-ready invoices
Fakturownia and inFakt send invoices to KSeF. Stripto ensures every Stripe payment has its invoice.
Auto email to customer
The invoice is emailed to the buyer immediately after payment. Works with one-time payments and subscriptions.
VAT, currencies, tax types
Configure VAT rates, currencies, and tax types in Stripto. Invoices are generated with the correct settings.
Setup in 60 seconds
Two API keys and you're done. The webhook is created automatically. No code, no developer, no deployment.
How Stripto Works (Step by Step)
From Stripe payment to KSeF-compliant invoice — fully automatic, with no manual work.
Create a Stripto account
Sign up at stripto.pl. No credit card required — you get 10 free invoices to test everything.
Connect your Stripe account
Go to Stripe Dashboard → Developers → API keys → Create secret key. Choose "Building your own integration". Paste the key in Stripto. A webhook is created automatically — Stripto starts listening for payments.
Connect Fakturownia or inFakt
Paste your Fakturownia API token or inFakt API key. From this moment, Stripto creates invoices in your accounting software on every Stripe payment.
Invoices flow automatically
Customer pays in Stripe → Stripto creates invoice in Fakturownia/inFakt → the program sends it to KSeF and emails it to the customer. The entire chain works without your intervention.
Backfill past payments (optional)
Stripto can generate invoices for Stripe transactions that happened before you connected — so you can catch up on any missing invoices.
In Stripe Dashboard → Developers → API keys, choose "Building your own integration"
Cost Comparison
Stripe Invoicing charges a percentage of every invoice. Stripto charges a flat annual fee. The more invoices you issue, the bigger the savings.
| Invoices / month | Avg. amount | Stripe Invoicing / year | Stripto / year |
|---|---|---|---|
| 10 | 200 PLN | ~384 PLN | 290 PLN |
| 50 | 300 PLN | ~2,880 PLN | 290 PLN |
| 100 | 500 PLN | ~9,600 PLN | 290 PLN |
| 200 | 300 PLN | ~11,520 PLN | 290 PLN |
| 500 | 500 PLN | ~48,000 PLN | 390 PLN * |
* 390 PLN/year for Pro plan (up to 10 Stripe accounts). Stripe Invoicing costs calculated at 0.4% per invoice value (max $2), converted to PLN at approximate rates.
Stripto Starter
~24 PLN/month — unlimited invoices
Stripto Pro
~33 PLN/month — unlimited invoices
When to Use Which Solution
It comes down to one question: is the invoice a payment request, or is it documenting a payment that already happened?
Use Stripe Invoicing when:
Use Stripto when:
Connect Stripe to KSeF in 1 Minute
Setup takes 60 seconds. Automatic invoices from every Stripe payment — ready for KSeF through Fakturownia or inFakt. Start with 10 free invoices, no credit card required.
Try Stripto FreeFrequently Asked Questions
What exactly does Stripto do?▼
Stripto is a bridge between Stripe and Polish invoicing software (Fakturownia or inFakt). When a customer pays through Stripe, Stripto automatically creates a VAT invoice in your accounting program. That program then sends the invoice to KSeF. The entire chain is automatic — no manual data entry, no copy-pasting.
Does Stripe support KSeF?▼
No. Stripe does not support KSeF and there's no indication they plan to. Stripe is a US-based company, and Polish e-invoicing is not their priority. Stripe Invoicing generates its own invoice format but cannot create FA(2) XML files or send them to the Ministry of Finance system. You need a Polish accounting program (like Fakturownia or inFakt) to handle KSeF.
When is KSeF mandatory?▼
KSeF became mandatory for large businesses (revenue over 200M PLN) in February 2026. For all other VAT-registered businesses, it becomes mandatory in April 2026. Penalties for non-compliance can reach up to 100% of the VAT amount on the invoice.
How much does Stripe Invoicing cost vs Stripto?▼
Stripe Invoicing charges 0.4% of the invoice value (max $2) per invoice, on top of standard payment fees. At 50 invoices/month averaging 300 PLN each, that's roughly 2,880 PLN/year. Stripto charges a flat 290 PLN/year for unlimited invoices (Starter plan) or 390 PLN/year for up to 10 Stripe accounts (Pro plan). The more invoices you issue, the more you save with Stripto.
Does Stripto work with subscriptions?▼
Yes. Stripto works with all Stripe payment types — one-time payments, subscriptions, Checkout sessions, and API payments. Every successful payment triggers an invoice creation in Fakturownia or inFakt.
Does Stripto have access to my Stripe funds?▼
No. Stripto uses a restricted API key that only has access to transaction data (payment amounts, customer details, metadata). It cannot initiate payments, issue refunds, or access your Stripe balance. The API key is used solely to listen for payment events via webhooks.
Can I try Stripto before paying?▼
Yes. Stripto offers 10 free invoices with no credit card required. You can connect your Stripe account, set up Fakturownia or inFakt, and test the full flow before deciding to subscribe.
What about refunds — does Stripto handle credit notes?▼
Stripto focuses on invoice creation from payments. For refunds and credit notes, you would handle those directly in Fakturownia or inFakt. Check Stripto's documentation for the latest updates on refund handling.
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