Structured XML formats (UBL, PEPPOL) for e‑invoices

TL;DR: Manual invoicing processes expose businesses to errors, compliance risks, and late payments. Structured e-invoicing formats like UBL and PEPPOL offer a standardised, secure way to send and receive invoices across borders. By adopting these formats, service-based firms like architects, engineers, and accountants can reduce admin, improve cash flow, and stay ahead of regulatory shifts. WorkflowMAX helps make the transition seamless, integrating structured invoicing into broader job and financial workflows.

Why Structured e-Invoicing Formats Matter

For service-based professionals, architects managing project phases, engineers dealing with milestone billing, or accountants juggling multiple clients—invoicing is more than paperwork. It’s a critical part of cash flow, compliance, and client trust.

But traditional invoicing methods like PDFs, emails and spreadsheets, are falling behind. They’re error-prone, hard to reconcile, and increasingly non-compliant with global digital invoicing mandates.

Enter structured e-invoicing formats like UBL (Universal Business Language) and PEPPOL (Pan-European Public Procurement Online). They’re becoming essential for doing business, especially in Australia, New Zealand, the UK and the EU, markets where government and enterprise clients are driving change.

Understanding Structured E‑Invoicing: The Problem It Solves

Fragmented Processes Lead to Inefficiencies

For many mid-sized service firms, invoicing lives in a silo, separate from quoting, time tracking and project workflows. This fragmentation results in:

  • Delayed payments due to manual errors
  • Lost visibility into invoice status
  • Time-consuming reconciliations
  • Higher compliance risk with evolving regulations

According to QuickBooks and other sources, delayed invoicing can lead to a 30% increase in late payments. For project-based businesses, that’s a direct hit to cash flow and profitability.

Government Mandates Are Changing the Game

Countries like Australia, New Zealand, and many EU nations are already requiring e-invoicing via PEPPOL for transactions with government agencies and private-sector adoption is rising fast. We’re in the face of a legal shift that affects how professional services will invoice moving forward.

What Are UBL and PEPPOL?

UBL: Universal Business Language

UBL is an open, structured XML format developed by OASIS. It standardises business documents like invoices, purchase orders, and shipping notices.

Key benefits:

  • Machine-readable (ideal for automation)
  • Extensible for different industries and regions
  • Compatible with ERP and accounting systems

PEPPOL: A Delivery Network, Not Just a Format

PEPPOL isn’t just a format, it’s a framework that includes:

  • Document standards (often based on UBL)
  • Secure delivery via certified Access Points
  • Unique identifiers (like ABNs or NZBNs) to find and validate trading partners

Think of PEPPOL as email for e-invoices, but with government-level security, verification, and interoperability across borders.

Benefits of Structured E‑Invoicing for Service Firms

1. Faster, More Reliable Payments

Structured e-invoices are instantly validated, delivered, and processed, cutting out email delays or data entry errors. This reduces DSO (days sales outstanding) and helps keep cash flowing.

2. Compliance with Mandates

As more governments mandate e-invoicing for B2G and B2B, structured formats like PEPPOL ensure your invoices are compliant by design from the moment they are sent.

3. Real-Time Status Tracking

With structured e-invoicing, you can track:

  • When the invoice was sent
  • Whether it was received
  • If it was accepted or rejected

That’s project and financial visibility, two of the biggest pain points service businesses face.

4. Reduced Admin Work

No more:

  • Copy/pasting from spreadsheets
  • Double data entry in different systems
  • Manually matching payments to jobs

Structured formats enable end-to-end automation, ideal for firms where admin time cuts into billable hours.

Best Practices for Adopting UBL and PEPPOL

Map Your Current Invoice Workflow

Before switching formats, assess how your team currently:

  • Prepares quotes
  • Tracks time/costs
  • Generates invoices
  • Follows up on payment

This will show where structured invoicing can plug in and remove friction.

Choose Software That Supports Structured Formats

Many tools say they offer e-invoicing, but few support UBL/PEPPOL natively. Look for platforms that integrate these standards while tying invoicing back to the job lifecycle.

Educate Clients and Vendors

You may be early to adopt but that’s a good thing. Get ahead by helping clients see the benefits of structured invoices: faster approvals, reduced disputes, better audit trails.

Use Access Points You Can Trust

In the PEPPOL network, Access Points handle delivery and validation. Choose a reputable provider, ideally integrated with your job or accounting software.

How WorkflowMAX Helps Service Firms Embrace Structured Invoicing

For firms that live and die by the hour, WorkflowMAX builds e-invoicing into the daily workflow. This ensures every bit of effort is accurately captured, billed, and compliant without extra administrative overhead.

Job-Centric Billing

With WorkflowMAX, invoicing isn’t an isolated step. It’s deeply linked to:

  • Quoted scope and budget
  • Actual time and materials tracked
  • Job stage progress

This ensures that invoices match work delivered, not guesswork.

Integration with Xero

Structured invoicing works best when connected to your financial system. WorkflowMAXintegrates seamlessly with Xero, enabling:

  • Real-time syncing of invoices
  • Tax-compliant formatting
  • PEPPOL-ready capabilities via Xero’s Access Point partnerships

Reporting and Audit Trails

Use built-in reporting to track:

  • Uninvoiced work
  • Invoice timelines
  • Payment status

This supports not just profitability, but compliance too.

Time Tracking and Costing

Structured e-invoicing is only as good as the data it’s built on. WorkflowMAX ensures:

  • Accurate time capture
  • Proper cost allocations
  • Clean job data flowing into invoices

This enables margin visibility in real-time, not just at month-end.

Future-Proof Your Invoicing, Today

UBL and PEPPOL are more than technical specs; they're signals that the future of business is digital, standardised and interoperable. For architecture firms, creative agencies, engineers, and accountants, embracing structured e-invoicing is about improving profitability, reducing admin and staying competitive.

WorkflowMAX brings all your job data together with quotes, time, costs and billing into a cohesive workflow that supports structured invoicing from end to end.

Ready to stop chasing payments and start sending smarter invoices?
Explore how WorkflowMAX helps your team build structured e-invoicing into every job.