Streamline the Future #4: Automatic Onboarding to Governmental e-Invoicing Platforms

Invoicing digitization is just the beginning. You need solutions that remove complexity, make compliance easier to achieve, and scale with growth. Authentication and onboarding to governmental e-invoicing platforms have become one of the biggest barriers for companies handling thousands of partners. Comarch addresses this challenge with automated processes that make compliance seamless, so you can focus on operations instead of bureaucracy.

This article is the fourth installment of our R&D series “Streamline the Future.” In each piece, we showcase how our innovations help businesses stay compliant while gaining efficiency. If you missed the earlier parts, you can explore previous articles covering topics such as AP/AR process optimization, electronic document management, or tech flexibility.

Why Authentication is a Bottleneck

Governmental e-invoicing platforms operating under Continuous Transaction Control (CTC) models, often require secure authentication for actions such as issuing, receiving, or validating an invoice. While this ensures data security and compliance, it also creates an operational hurdle.

For many intermediaries, such as factoring companies, online marketplaces, and large accounting firms, the challenge is even greater. These organizations often need to act on behalf of thousands of clients or business partners, each of whom must be authenticated individually.

Relying on manual authentication makes this process slow, error-prone, and impossible to scale. Each login or credential check adds friction, creating a bottleneck that can quickly paralyze operations. Without automation, businesses expose themselves to real risks: delayed payments, missed compliance deadlines, and disruptions in cash flow—all of which undermine financial stability and customer trust.

Business Scenarios that Demand Automation

And it’s not some made-up problem. The need for automated authentication is already a pressing challenge across multiple industries.

PYMNTS found that 93% of CFOs see quicker invoice processing from automation, yet 80% say the absence of AI is the main cause of ongoing delays.

Different business models depend on the ability to manage invoicing obligations at scale, and manual onboarding simply can’t keep up.

Factoring Services

Factoring companies purchase invoices from thousands of small and medium-sized enterprises. To provide instant liquidity, they must validate those invoices directly on governmental e-invoicing platforms. Automation allows them to authenticate on behalf of each client seamlessly, enabling fast access to the invoices they’ve purchased and quicker payouts to their customers.

Large Marketplaces & e-Commerce Platforms

Online marketplaces and digital platforms handle invoicing for countless sellers. With mandatory e-invoicing, they are responsible for issuing and managing invoices on behalf of every vendor. Automating authentication ensures compliance without slowing down the flow of transactions between buyers and sellers.

Accounting & Tax Service Providers

Firms managing finance and compliance for hundreds or even thousands of corporate clients need access to multiple government platforms. Manual logins for every single entity are unfeasible. Automated onboarding makes it possible to handle diverse client portfolios efficiently, while guaranteeing that every invoice is submitted correctly and on time.

AP Automation Software Providers

Large corporations rely on AP automation tools to process payments for thousands of vendors. To keep payments flowing smoothly, these systems must validate invoices within government platforms. Automated authentication enables AP software to act on behalf of all suppliers at once, eliminating bottlenecks, ensuring compliance, and preventing costly payment delays.

How Comarch e-Invoicing Solves It

At Comarch, we’ve built a solution that removes one of the biggest roadblocks to mass e-invoicing compliance: secure, automated onboarding to governmental platforms. Instead of forcing businesses to authenticate manually for every client or partner, our system takes care of the process in the background. At scale, and in full compliance with local regulations.

1. Secure data exchange – Customers or partners provide the necessary data for onboarding, including authorization data, through encrypted channels such as AS2, SFTP, REST API, or SOAP API.
2. Processing at Comarch – Our platform validates the structured data and prepares it in the required format.
3. Transmission to government portals – The information is securely forwarded to the governmental e-invoicing platform.
4. Entity registration – The government system conducts the required authentication, enabling invoice exchange to proceed without human intervention.
5. Ready for compliance – From this point, e-invoicing operations (sending, receiving, validating invoices) are fully authorized, automated, and compliant.

Because the process is automated end to end, companies can onboard thousands of partners in a fraction of the time it would take manually. This accelerates compliance projects and ensures that once the system is in place, adding new clients or vendors becomes a seamless, low-effort task.

For businesses like factoring companies, AP automation providers, or global accounting firms, this approach means they can effectively conduct the onboarding process and deliver their services. For marketplaces and platforms, it ensures that their sellers and service providers remain compliant, while the user experience stays frictionless.

Real-World Use Cases

The power of automated onboarding becomes most visible when applied to real compliance environments. Comarch’s e-invoicing platform is already helping companies operate more efficiently in markets where e-invoicing is mandatory.

Poland (KSeF)

• Factoring: A factoring company buying invoices from thousands of SMEs must retrieve them directly from the KSeF platform before paying out. With Comarch, the platform authenticates automatically for each client, allowing the factor to download and process invoices on behalf of its entire customer base without logging in for each one.
• AP Automation: Providers of AP automation software in Poland must integrate with KSeF so that their users can access all invoices within their own tools. Comarch’s solution pulls invoices automatically from KSeF for thousands of end users, ensuring compliance while keeping the AP process fully streamlined.

Saudi Arabia (ZATCA)

• Accounting Services: Global accounting firms managing clients in Saudi Arabia face strict clearance requirements. Instead of logging into the ZATCA portal for every single customer, they use Comarch’s onboarding mechanism to authenticate once and act on behalf of hundreds of clients. This allows them to submit invoices, receive clearance, and stay compliant, all from a single platform.

Benefits of Automatic Onboarding

1. Faster project implementation – Onboard thousands of clients in bulk, reducing rollout time from months to days.
2. Operational efficiency – Eliminates manual logins and repetitive tasks, allowing staff to focus on higher-value work.
3. Regulatory compliance – Ensures invoices are authenticated and submitted to government platforms in real time, minimizing compliance risks.
4. Scalable onboarding – Supports large batch registrations, making it easy to expand services as new partners or clients are added.
5. Reduced risk – Automation removes human error from the process, helping companies avoid costly fines, delays, or rejected invoices.

Strategic Advantage for Comarch Partners

The benefits of automatic onboarding go well beyond efficiency, compliance, and risk reduction. For Comarch’s partners, it also creates a clear competitive edge.

• Faster go-to-market – Launch compliant services quickly, without long integration delays.
• International expansion – Enter new markets confidently, without being slowed down by country-specific e-invoicing hurdles.
• Customer trust – Guarantee compliance from day one, strengthening relationships and long-term loyalty.
• Solid growth foundation – Partnership with Comarch ensures your services are built on reliable, scalable, and regulation-proof infrastructure.

Turn Compliance into Growth

Automatic onboarding to governmental e-invoicing platforms is a strategic enabler. Eliminating manual authentication means that businesses can move faster, stay compliant in complex regulatory environments, and scale their services without being slowed by bureaucracy. For Comarch partners, this means transforming compliance into an opportunity for growth, trust, and international expansion.

Automatic onboarding is just one example of how our R&D teams are rethinking e-invoicing to make it simpler, smarter, and more impactful.

Continue exploring our R&D series “Streamline the Future” or visit the Comarch e-Invoicing page to learn more about how we help businesses achieve compliance worldwide.