Croatia stops counting email PDFs as invoices — every B2B and B2G goes structured eRačun from January 2026.
A Tkalčićeva shopkeeper still emails invoices as Gmail attachments. A Split café owner hands her bookkeeper a USB stick once a month. A Hvar guesthouse runs its till on Windows XP. On 1 January 2026 every domestic B2B invoice they issue must be EN 16931 eRačun cleared in real time by the Porezna uprava (Croatia's Tax Administration).
01The pain
Eight working days. That is the gap between a Zagreb sole-trader craftsman closing his shop on 23 December 2025 and the moment his Gmail-attached PDF stops being a legal invoice. On 1 January 2026 Fiskalizacija 2.0 — the second-generation fiscalisation regime — pulls the floor out from every paper-and-PDF flow that survived the 2013 rollout. From that morning, a domestic B2B (business-to-business) or B2G (business-to-government) invoice from a VAT-registered Croatian taxpayer has to be EN 16931 XML, sent over an AS4 (the EU-mandated e-invoicing transport protocol) or Peppol access-point, cleared in real time by the Porezna uprava (Croatia's Tax Administration).1 Anything else is not an invoice.
The numbers are not subtle. Penalties run from several hundred euros at the bottom to hundreds of thousands at the top, plus exclusion from public-sector contracts. The VAT-return deadline slides to the last day of the following month. The I-RA and U-RA — the sales and purchase control lists stapled to the VAT return for years — are gone. The free regulator path, MIKROeRAČUN (the Tax Administration's micro-issuer portal) for issuance and FiskApplication for receipt, covers only the lightest issuers.2
What the trade-press briefings miss is the coordination tax. Four moving parts have to align: the access-point vendor, the till or accounting-software vendor, the bookkeeper, and the Porezna uprava. None of the four price the work of stitching them together — the sole trader does, in evenings.3
02Who solves this today
Croatia-active vendors that publicly self-market to the Fiskalizacija 2.0 / eRačun / AS4-Peppol-access-point niche on their own Croatian-language homepages — accounting, invoicing and information-intermediary platforms whose front pages name the regime as the operator promise. Each entry verified live on the date of writing. The Porezna uprava's own MIKROeRAČUN / FiskApplication free path is referenced in section 01 as the regulator-published mechanic, not as a third-party solution. The list is intentionally narrow.
Listed providers publicly market to the Croatian Fiskalizacija 2.0 / eRačun / AS4-Peppol-access-point niche on their own homepages. Inclusion is not endorsement. Adjacent Croatia-active vendors were considered and excluded where their public homepage did not explicitly name the niche at the date of writing — eracun.hr was unreachable (ECONNREFUSED) on the date of writing and could not be verified against the named-niche-on-homepage rule, so it was dropped pending a re-check; mobers.eu returned a TLS-certificate hostname mismatch (ERR_TLS_CERT_ALTNAME_INVALID) on the date of writing and could not be verified, so it was dropped; Comping (comping.hr) returned HTTP 200 but the front page focused on broad digital solutions (Data Target, CompIIT, Thaora, Abriva) without surfacing eRačun, Fiskalizacija 2.0 or the Croatian e-invoicing mandate on the homepage proper, so it was dropped; Edicom's Croatian sub-page (edicomgroup.com/hr) returned HTTP 404 on the date of writing and is referenced in section 01 as a regulator-and-trade-press citation rather than a homepage-self-marketed solution; Pagero, Storecove, Sovos and Comarch are positioned as enterprise / multi-jurisdiction tax-tech rather than Croatian-obrtnik-facing platforms and were dropped per the named-niche-on-homepage and SME-cohort rules. The Porezna uprava's own MIKROeRAČUN / FiskApplication is the regulator's free-path channel and is referenced in section 01 as the regulator-published mechanic, not as a third-party solution provider.
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