Invoices in seconds. Declarations in one click. Protection against fines.

If the customer pays straight away, issue a fatura‑recibo. If they pay later, issue a fatura and, once you are paid, a recibo.

Yes. For self-employed workers and sole traders (ENI), Base includes unlimited AT-certified invoicing and SAF‑T / Excel export, free forever. Declarations and advanced features are on paid plans.

On Base you can also accept payments; the fee is deducted from each payment.

It depends on your IRS regime (IRS is the income tax). Under the simplified regime (regime simplificado), used by most self-employed people, you can work without an accountant.

Full accounting (contabilidade organizada) becomes mandatory when your business income exceeds 200,000 € two years in a row, or by more than 25% in a single year, and you can also choose it. Under full accounting, you need a certified accountant.

It depends on your IVA regime. If you are exempt from IVA, choose from Base, Auto and Prime.

If you are in the normal IVA regime (you submit the periodic declaration, even if you invoice foreign businesses without IVA), choose from Base, Auto Pro and Prime Pro. Base is free for invoicing; Auto and Auto Pro add Invoicing+, declarations, and the import and classification of expenses.

Prime includes all features of Auto, and Prime Pro all features of Auto Pro. Both add banks and cash, categories and rules for transactions, financial overview and unlimited questions to the FIZ AI advisor. Prime Pro also adds the EU recapitulative IVA declaration, for those who invoice businesses in other EU countries.

You can take payments by card on your phone, QR code or link on every plan; the fee for each payment depends on the plan.

When you take your first action, such as issuing an invoice or submitting a declaration, not when you sign up. No card is needed. After the 14 days, you can keep using paid features with a subscription or with free months earned through invitations. Base stays free.

During the 14 free days and on Base, Auto and Auto Pro, the FIZ AI advisor answers 10 questions per account in total, not per month. On Prime and Prime Pro, with a subscription or with free months, it answers unlimited questions.

The price shown already includes the discount; when it ends, the regular price applies, also shown on the plan.

Yes, whenever you like, with no long-term contract and no cancellation fees.

Already registered your activity? Choose a plan, create your account and authorise the AT connection to import your invoices. If you have not registered your activity yet, see the guide to registering your activity with the tax office, Opens in a new window.

Yes. After signing up, authorise the AT connection: FIZ imports from Portal das Finanças the issued and received invoices for the current and previous reporting periods, including invoices from other software reported to AT.

Yes, on every plan. Customers tap a contactless card or their phone on your compatible phone. Accepting these payments requires an internet connection and location services to be turned on. The fee for each payment depends on your plan.

Yes, by QR code or link. Show the code to your customer: they scan it with their phone and complete the payment. You can also send them a payment link.

Yes. FIZ calculates IVA (the tax you charge on your invoices) and Seg. Social contributions (your social protection) from your activity data. You see the amounts, confirm with one click and FIZ submits the declaration.

Seg. Social: quarterly declarations are included with Auto, Prime, Auto Pro and Prime Pro.

IVA: periodic declarations are included with Auto Pro and Prime Pro. Prime Pro also includes the recapitulative declaration (sales and services to businesses in other EU countries), when applicable.

You pay them at your bank or through Multibanco. FIZ calculates the amounts, submits the declarations in your plan once you confirm, and shows the IVA payment document and the monthly Seg. Social payment reference.

Submitting a declaration and paying the tax are separate steps. Seg. Social contributions can also be paid by direct debit.

Yes. The calendar shows declaration deadlines and tax and contribution payment deadlines for your activity. FIZ reminds you in advance. Reminders are included with Auto, Prime, Auto Pro and Prime Pro.

Automatically: once you authorise the AT connection, FIZ imports the expense invoices issued to your tax number (NIF). FIZ suggests whether each expense is business, personal or mixed-use; the final choice is yours. In the IVA declaration, FIZ includes the expenses that give a right to deduction.

Importing and classifying expenses is on every paid plan. On Prime and Prime Pro, FIZ also imports your bank transactions and suggests a category for each one.

You can connect your bank: FIZ shows the balances and transactions of the accounts you choose. You can also upload a bank statement in Excel/CSV and record cash. These features are on Prime and Prime Pro.

Only view the balances and transactions of the accounts you authorise. Transfers and payments, tax payments included, stay with you in your bank. The bank connection is on Prime and Prime Pro.

It is the money you have received this year minus the reserve for taxes and contributions: IVA, the IRS estimate and Seg. Social. It is not your bank balance, and expenses are not deducted from it. Invoices that customers have not paid yet appear separately as amounts to be received.

Tax Shield reimburses fines caused by FIZ errors in the declarations FIZ submits for you: Seg. Social fines on Auto and Prime, and Seg. Social and AT fines on Auto Pro and Prime Pro. The limit is 500 € per declaration on Auto and Auto Pro, and 1,500 € on Prime and Prime Pro.

Forward the notice to FIZ support within 10 days of receiving it. Once you have paid the fine, send the proof of payment and FIZ reimburses you within 30 days. Protection starts with the first declaration submitted through FIZ on a plan with Tax Shield. Errors in the data you provide remain your responsibility.

Data travels encrypted between your device and FIZ. FIZ imports data from AT and accesses your bank accounts only after you authorise each connection.

To invite someone, all you need is a FIZ account connected to AT, even one on the Base plan. Copy your link from the “Referrals” menu in your account and share it with anyone who does not use FIZ yet. When your invitee signs up and issues their first invoice in FIZ, you each get a free month on a paid plan.

Your free months add up with no limit and do not expire. Activate them one at a time, whenever you like. If you already have a paid plan, the month extends it.