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Accounting and invoicing for online course creators

Video courses, memberships, live cohorts and one-to-one coaching: whoever sells knowledge online has income from the course platform, from payment services and from companies. Saldiqo writes invoices for companies and groups, matches payouts and records tools and ads as expenses.

Updated:

What comes up for online course creators

Several ways to sell

Direct sales through a platform, company bookings by invoice, discount campaigns and partners. Each way has different payments.

Company and group customers

Companies buy seats for teams and want an invoice with an invoice recipient and a payment term.

Ads and tools

Ads, email tool, course platform, payment processing and webinar software are running costs.

How Saldiqo helps

  • Invoices for companies and groupsSeats and term as lines, with a payment term and reminders.
  • Match platform payoutsUpload the bank statement and separate receipts by source.
  • Cost centre per courseAssign income and expenses to a course and see which one pays off.
  • Credit note on refundA refund stays linked to the original invoice.

Typical invoice lines

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

  • Access to the video course, 12 months, 5 seats
  • Live cohort, 6 weeks, one seat
  • One-to-one coaching, 3 sessions
  • Company licence for the course
  • Credit note: refund after withdrawal
  • Surcharge for certificate

Tax and invoicing in Malta

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

VAT
Rates 18 %, 12 %, 7 % and 5 %. Malta has no zero rate in law. Exports, EU supplies, food and medicines are exempt with credit, which lets you reclaim input VAT. Exempt without credit does not.
Article 11 small undertakings
With up to €35,000 of domestic turnover a year you can be exempt under Article 11. The status ends on the day the limit is passed, and you still register with the VAT department. Saldiqo adds the exemption note and leaves VAT off.
Tax invoice or fiscal receipt
A tax invoice is issued only when the customer gives you a VAT number. Otherwise a fiscal receipt from an approved system is required. Saldiqo writes invoices. It is not a fiscal receipt system, and a Saldiqo PDF does not replace a fiscal receipt.
Invoice timing
Issue the invoice by the 15th of the following month, or when payment arrives if that comes first. Simplified invoices are allowed up to €100.
E-invoicing
There is no mandate. Public bodies accept e-invoices through Peppol (EN 16931). The tax authority plans e-invoicing and real-time reporting but has set no dates, and EU rules apply from 1 July 2030.
VAT returns
Returns are due by the 15th day of the second month after the period, with 7 extra days when you file and pay electronically. Article 11 businesses file a yearly declaration by 15 February. Saldiqo does not file returns.
Record keeping
VAT records for 6 years, income tax records for 9 years and company records for 10 years. Plan for 10 years.
Late payment
Interest on late business payments is 10.40 %, plus €40 compensation between businesses.
Languages
Use Saldiqo in English or Maltese and send invoices in either language.

Frequently asked questions

Can I write invoices for companies that book seats?

Yes. You create the company as a contact and write the invoice with seats and term.

How do I handle refunds?

You create a credit note for the invoice. It stays linked to it.

Do online course creators in Malta have to charge VAT?

If you are registered under Article 10, yes. Small undertakings under Article 11 with domestic turnover of up to €35,000 a year are exempt from charging VAT, but the status ends on the day the limit is passed.

Do online course creators in Malta need a fiscal receipt?

Sales to consumers need a fiscal receipt from an approved fiscal receipt system, and Article 11 businesses use one for all sales. Saldiqo is not such a system. It covers tax invoices to customers who give you their VAT number.

How long should online course creators keep invoices?

VAT records for 6 years, income tax records for 9 years and company records for 10 years, so plan for 10 years. 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.

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