Start for free
Language: EN

Accounting and invoicing for practices

Treatments, self-pay patients, courses and home visits: a practice runs several billing routes side by side. Saldiqo takes over the invoices to self-pay patients and companies, matches the payments and keeps your expenses together.

Updated:

What comes up for practices

Several billing routes

Public and private insurers mostly run through their own routes and billing agencies. Beside them are self-pay invoices, courses, reports and company jobs that you write yourself.

Exempt and taxable services

Medical treatment is VAT exempt in many countries, courses, sales and reports often are not. One invoice can contain both.

Sensitive details

The invoice does not say what a patient has, it says what you bill. Descriptions should be as neutral as the billing allows.

No-show fees and reminders

Whoever does not show up gets a no-show invoice. Whoever does not pay gets a reminder, friendly and with fixed deadlines.

How Saldiqo helps

  • Invoice for self-pay patientsYou write the invoice from your services as items, with a note on the tax exemption in the closing text if you like.
  • Tax rate per lineMix exempt treatments with taxable lines, each with its own rate.
  • Reminders in a friendly sequencePayment reminder and reminder levels with deadlines and fees, sent with one click.
  • Match paymentsUpload the bank statement, and Saldiqo matches payments to invoices and shows who is still open.
  • Receipts and practice costsPhotograph the receipt with your phone. Supplies, rent and insurance you keep in view with their due dates.

Typical invoice lines

Examples that often appear on invoices in this industry. You set the prices yourself.

  • Treatment, 30 minutes, self-pay
  • Home visit, flat rate
  • No-show fee for a missed appointment
  • Back school course, 8 sessions
  • Report by effort
  • Sale of care product

Tax and invoicing in Cyprus

What applies to invoices in Cyprus, in short. As of October 2026.

VAT
Rates 19 %, 9 %, 5 % and 3 %, plus 0 % until 31 December 2026 for infant milk, nappies, hygiene products and fresh fruit and vegetables.
VAT registration
The threshold is €15,600 of taxable turnover over 12 months, or expected within the next 30 days. If you sell services to businesses in other EU countries, you generally register from the first sale. Until you are registered, Saldiqo leaves VAT off and adds up your turnover.
What goes on an invoice
Even businesses that are not VAT registered must issue invoices and receipts. Companies show their name, HE number, the words “private company” where they apply, and their registered office. Notes such as reverse charge appear in Greek and English.
Invoice timing
Issue invoices within 30 days.
E-invoicing
There is no mandate. Public bodies accept e-invoices (Peppol BIS 3.0) and suppliers send them voluntarily. EU rules follow from 1 July 2030.
VAT returns
VAT4 returns are filed online through TFA, quarterly with staggered periods, by the 10th of the second month after the period, moved to the next working day if it falls on a weekend. Saldiqo does not file returns.
Record keeping
Plan for 10 years. The minimum is 6 years, VAT records can need up to 7 years, and OSS records 10 years.
Late payment
Interest on late business payments is 10.40 %, plus €40 compensation between businesses.
Languages
Use Saldiqo in Greek or English and send invoices in either language.

Frequently asked questions

Does Saldiqo replace billing with the insurers?

No. Saldiqo is for your own invoices, for example to self-pay patients and companies. Billing with public and private insurers runs through your billing agency or practice software.

How do I show an exempt service?

You set the line to 0 % and write the note on the exemption in the closing text. Which exemption applies to your service, you clear with your tax adviser.

May I store patient data in Saldiqo?

An invoice contains a name and address, and in health care the service can hint at health data. Keep descriptions as neutral as possible and, if needed, conclude a data processing agreement with us, which is linked in the page footer.

Do practices in Cyprus have to charge VAT?

Once they are registered, yes. The threshold is €15,600 over 12 months, or expected within 30 days. Services to businesses in other EU countries require registration from the first sale.

Do practices in Cyprus need e-invoicing?

No. Public bodies accept e-invoices through Peppol and suppliers use it voluntarily. EU rules follow from July 2030, so PDF invoices remain fine today.

How long should practices keep invoices?

Plan for 10 years: the minimum is 6 years, VAT records can need up to 7 and OSS records 10. You can store receipts digitally in Saldiqo. The legal duty to keep records stays with you.

Try Saldiqo for free

Write invoices, match payments, collect receipts and send reminders: free and without a trial period.

Start for free

This page for other countries

Niches in this industry

More industries

All industries

As of October 2026. General information, not legal or tax advice, without guarantee. For your case ask your tax adviser.