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Scell.io vs Stripe Invoicing
Stripe Invoicing for payments vs Scell.io for fiscal compliance
Stripe Invoicing is a Stripe module that generates and sends invoices with payment links, ideal for B2B/B2C SaaS centred on payment collection. Stripe's API and SDKs are among the best on the market. However, Stripe does not generate EN16931-compliant Factur-X, does not include eIDAS signature, and is not suited for French 2026 compliance (PDP/PPF) nor for legally probative 10-year archiving. Scell.io complements Stripe: use Stripe to collect, Scell.io to produce the compliant Factur-X invoice and archive it fiscally.
Key facts
- Stripe: integrated payment collection (cards, SEPA, transfers)
- Scell.io: no payment collection, focus on generation + archiving
- Stripe SDKs: 8+ languages, industry-leading quality
- Scell.io SDKs: PHP, JS, MCP
- Stripe: Factur-X not supported
- Scell.io: Factur-X 5 profiles, eIDAS signature, SHA-256 fiscal log
Code example
// Combo Stripe (paiement) + Scell.io (Factur-X)
import Stripe from 'stripe';
import { Scell } from '@scell/sdk';
const stripe = new Stripe(process.env.STRIPE_SK!);
const scell = new Scell({ apiKey: process.env.SCELL_SK! });
const pi = await stripe.paymentIntents.create({ amount: 12000, currency: 'eur' });
const invoice = await scell.invoices.create({
format: 'factur-x',
external_payment_ref: pi.id,
lines: [{ description: 'SaaS Pro', quantity: 1, unit_price: 100, vat_rate: 20 }],
});