TOConline vs InvoiceXpress: 2026 Pricing and Stripe Integration

TOConline and InvoiceXpress both support Portuguese invoicing and API integration, but suit different operations. On 28 August 2026, TOConline starts at a €9 monthly reference price for commercial management, while InvoiceXpress scales by monthly document volume. The choice mainly depends on the accountant, volume, and multi-company management needs.

How much do TOConline and InvoiceXpress cost in 2026?

The prices below were checked on both providers' official pages on 28 August 2026. They are displayed excluding VAT and should be confirmed before subscribing because promotions, terms, and plans can change.

The table does not make the products directly equivalent. TOConline Commercial Management includes invoicing, purchases, and inventory, while Administrative Management adds accounting, payroll, and asset management. With InvoiceXpress, the price mainly rises with the monthly document limit, and the page lists unlimited users.

For a business issuing 100 documents per month, InvoiceXpress's published option is X100 at €24 per month. TOConline's annual Commercial Management reference is €108, but the licence is requested through the accountant. The comparison must include the service agreed with the accounting firm, rather than merely dividing the annual price by twelve.

How does each platform's subscription work?

The commercial model is a practical difference. The TOConline website says subscriptions are available exclusively to certified accountants. The business owner asks their accountant for a licence or access to the demonstration company, and licences can run for six or twelve months.

InvoiceXpress lets a business choose a monthly document allowance directly. Its page lists monthly, six-month, annual, and two-year renewal cycles, as well as a tailored solution for multi-account needs. It also advertises a 30-day trial; when that period ends, the account can move to the free plan if no paid subscription is purchased.

For example, a microbusiness issuing eight documents one month and twelve the next should check whether X10 covers its peaks or whether X20 avoids frequent plan changes. A business whose accounting firm already uses TOConline should ask the accountant for the total licence and service cost.

Does TOConline belong to OCC or Cloudware?

TOConline is the product of collaboration between the Portuguese Order of Certified Accountants, or OCC, and Cloudware. TOConline's public information presents it as OCC software and centres subscription on the certified accountant. This is more precise than treating it as a Tax Authority product or assigning the platform to only one of those organisations.

Tax certification is a separate question. TOConline publishes AT certificate number 1662, while InvoiceXpress publishes certificate number 192. Certification places the programs within the applicable framework, but does not decide which one fits a company's process. A team must still configure series, documents, and reporting.

Which API is better suited to a Stripe integration?

Both provide an API, but their authentication and initial setup differ. The decision should not rely on an abstract ranking of the “better API.” It should consider who authorises the connection, how credentials are renewed, and which documents the workflow uses.

For a continuously running connector, TOConline's OAuth flow requires token renewal to be handled. With InvoiceXpress, the key is more direct to configure, but it must be protected and replaced when necessary. In both cases, credentials should stay outside the browser and be stored securely by the service running the integration.

Do both providers support FT and FR drafts?

Yes, in the workflow supported by this portal. The capabilities configured in the code set supportsFtDraft and supportsFrDraft to true for both TOConline and InvoiceXpress. The draft option can therefore be offered for FT invoices and FR invoice-receipts with either connector.

A successful Stripe payment remains settled. Draft mode changes only the document's state at the invoicing provider when the organisation enables that option; it does not create a second payment confirmation. For example, a team can review an FR's details before finalising it without charging the customer again.

This capability should be compared with the actual process. An operation that requires immediate issue can keep documents final. An operation with human approval should confirm who reviews drafts, how often, and what happens when validation is not completed on time.

How do SAF-T, accountant access, and multi-company support compare?

Both providers publish SAF-T support. In TOConline, collaboration with the accountant is central to the product: the professional subscribes to and manages licences, and Administrative Management includes a five-company pack. This suits accounting firms that want to work in the same environment as invoicing and accounting.

InvoiceXpress includes SAF-T export and advertises scheduled delivery of the file to the accountant. Its published plans have unlimited users, while multi-account needs are directed to a tailored proposal. This enables collaboration through a different commercial model from TOConline's multi-company pack.

For an accounting firm with five clients, TOConline Administrative Management provides an immediately comparable reference through its advertised pack. A company with several brands or entities in InvoiceXpress should confirm whether the multi-brand feature is enough or whether it needs the multi-account solution, because they do not represent the same legal separation.

Which provider suits each business profile?

This matrix is a starting point, not a universal recommendation. A company issuing 500 documents per month might value the published X500 price; another might prefer TOConline's connection to its accounting firm. The person correcting documents and closing each month should take part in the decision.

What changes in the Stripe integration?

The principle is the same with both connectors: a completed Stripe payment is treated as paid, and the corresponding invoice is the primary entity in the process. The integration transfers Stripe amounts, line items, and tax data to the selected provider. It does not calculate VAT from the country, postcode, or VAT-number prefix.

The business configures the series, FT or FR document type, final or draft mode, and the provider tax map. When Stripe supplies no tax data, the flow uses 0% and the organisation's configured default exemption code; without that code, the case goes to manual review. This avoids inventing a different tax rule for each connector.

For example, a paid session with two lines and different taxes should reach TOConline or InvoiceXpress with that distinction preserved. The provider choice must not combine the lines into an average rate or recalculate tax. The guide to automating Stripe invoicing in Portugal describes the complete flow.

How can each provider be queried through MCP?

For teams that need to consult documents conversationally, there are dedicated pages for connecting TOConline through MCP and connecting InvoiceXpress through MCP. This comparison covers the choice of invoicing system; those pages explain read-only access and the operations available to each profile.

An accountant might, for example, prefer TOConline for daily work and query the documents authorised for the corresponding profile. Another team can keep InvoiceXpress and use its respective profile. There is no need to change provider merely to compare data conversationally.

Which questions should be answered before choosing?

1. How many documents are issued in a normal and peak month?
2. Who subscribes to and manages the account: business or accountant?
3. How many legally separate companies need access?
4. Must FT or FR documents remain as drafts for approval?
5. Who receives, checks, and reports the SAF-T file?
6. Does the team prefer OAuth or can it manage an API key?
7. What are the current total cost and terms, including VAT?

A worksheet with these answers makes it possible to test the decision against real data. If the peak month contains 620 documents, compare the allowance that covers them, not the plan selected for an 80-document month. If the accountant requires a specific workflow, include that requirement before comparing the price difference.