Hungarian SaaS billing · Számlázz.hu + SimplePay vs. Stripe vs. Paddle
For a Hungary-incorporated SaaS the billing stack splits on three axes: NAV-compliant invoicing, payment UX, and who carries the tax burden across markets.
Default to the Hungarian stack (Számlázz.hu or Billingo + SimplePay) when 70%+ of customers are Hungarian and pay in HUF · native NAV Online Számla, half the fees, and your accountant will not riot. Move to Stripe when the customer base is EU/US-mixed and you need mature card + Apple Pay + SCA + subscriptions · bolt the NAV invoicing on via Számlázz.hu's API. Pick Paddle (Merchant of Record) when you sell digital goods globally and refuse to be the tax filer in 30 jurisdictions · Paddle carries the tax burden, you ship the product. Never use Paddle for HU-only B2B.
When to pick which
Magyar számlázás (Számlázz.hu / Billingo + SimplePay)
- 01Hungarian market dominates (HU invoices > 70%), HUF is primary
- 02NAV Online Számla submission, KATA / VAT-exempt / reverse-VAT cases
- 03Bank transfer + SimplePay (OTP) are the primary payment methods
- 04Hungarian accountant, Hungarian audit, Hungarian-language support
- 05Cost-sensitive · 1-1.5% transaction fee, not 4-5%
Stripe / Paddle (Merchant of Record)
- 01Stripe: EU + US customer base, card-first, subscription-heavy
- 02Stripe: SCA, dunning, proration, usage-based billing required
- 03Stripe: pair Stripe + Számlázz.hu API when NAV is also needed
- 04Paddle: global digital product, MoR needed, no presence in 30 tax regimes
- 05Paddle: indie / small team that refuses to deal with tax compliance
Factor-by-factor
| Factors to weigh | Magyar számlázás (Számlázz.hu / Billingo + SimplePay) | Stripe / Paddle (Merchant of Record) |
|---|---|---|
| NAV Online Számla | Native (Számlázz.hu / Billingo) | Stripe: no · Paddle: no · bridge required (e.g. Számlázz.hu API) |
| Transaction fee | SimplePay: ~1-1.5% · Számlázz.hu: monthly flat | Stripe: 1.5% EU + 0.25 €· Paddle: 5% + $0.50 (MoR-inclusive) |
| VAT handling | You handle it · Hungarian VAT, EU OSS optional | Stripe Tax: you remain the taxpayer · Paddle: they are (MoR) |
| Subscription maturity | Basic · recurring invoices, weaker dunning | Stripe: best-in-class · Paddle: strong, less flexible |
| Payment methods | SimplePay (card, OTP), bank transfer | Stripe: card, Apple/Google Pay, SEPA, BNPL · Paddle: similar + locals |
| Time-to-launch | Days · assuming a Hungarian accountant on board | Stripe: hours · Paddle: hours |
| HU B2B invoice for the buyer | Standard Hungarian invoice with VAT number, deductible | Stripe: PDF, NAV bridge needed · Paddle: Paddle is the seller · harder for buyer to deduct |
| We recommend | HU-first SaaS with HUF dominance | Stripe for global card-based SaaS · Paddle for indie global digital goods |
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