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Bosnia and Herzegovina · Agentic SaaS development

SaaS Development for Founders in Bosnia and Herzegovina

Before setting a subscription price for customers in Bosnia and Herzegovina, check what that price has to carry. The Indirect Taxation Authority of BiH (UIO) treats electronically supplied services from foreign providers as supplied in the country when the customer is not VAT-registered there and has a permanent address or residence there. VAT is then due at the standard rate of 17%. Checkout, billing records and invoices all have to be built around that, and so does e-invoicing in the Federation of BiH.

Curiosive is an Ankara, Türkiye studio that builds SaaS products with AI coding agents, and senior engineers review what the agents write. Engineers design the tenant model, billing state and entitlements; agents produce the screens, migrations and tests around them. Our 09:00 start is 07:00 your time in winter and 08:00 in summer, so the two working days run largely side by side.

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VAT on SaaS sold to customers in Bosnia and Herzegovina

A UIO notice dated 25 July 2025 covers multinational companies with no seat in BiH that supply electronic services to people there. They must appoint a tax representative (poreski punomoćnik) who is a registered VAT payer, then register for, report and pay VAT. Registration is mandatory once taxable turnover exceeds the 100,000 KM threshold in a calendar year and voluntary below it. The notice also pointed to amendments to the VAT Rulebook, including its place-of-supply rules for services, due to start applying on 6 August 2025. The Central Bank operates as a currency board and the convertible mark is fixed at KM 1.95583 to one euro, so a price list set in euros converts at a known rate. In the product, that means storing each customer's VAT status and residence evidence at checkout and tracking turnover in KM. The exact registration point is worth confirming with an accountant.

E-invoicing under the Federation of BiH fiscalization law

The Federation of BiH Law on Fiscalization of Transactions was published in Službene novine FBiH No. 9 on 4 February 2026 and entered into force on the eighth day after publication. B2B invoices paid or to be paid wholly or partly non-cash, and all B2G invoices, must be issued, sent and accepted as e-invoices through the fiscalization procedure, with the Tax Administration's Central Fiscalization Platform (CPF) at the core. The law applies once its bylaws are adopted and the capacity is in place, and no later than 18 months from the month it entered into force. Businesses then get two years for B2C and three for B2B and B2G. Article 88 gave the minister 180 days for the bylaws, yet as of 21 September 2026 they had not been adopted. We keep invoices as structured data with a separate delivery adapter, so the CPF connection can be added when the rules are final.

Payments and withdrawal rights for SaaS in Bosnia and Herzegovina

The Central Bank of Bosnia and Herzegovina launched the domestic Instant Payment System (IPS BiH) on 20 July 2026. It settles account-to-account payments within seconds, 24 hours a day all year, with Intesa Sanpaolo Banka BiH, Raiffeisen Bank and Sparkasse Bank taking part at launch; QR-code overlay services and cross-border payments are planned for a later stage. We keep payment methods pluggable for that reason. Republika Srpska's Law on Consumer Protection (Službeni glasnik RS 101/2025) gives consumers 14 days to withdraw from a distance contract, counted from conclusion for services and extended to one year if the trader omits the required information. Any distance sales contract with a consumer counts as concluded in Republika Srpska, whatever the trader's seat. Unless agreed otherwise, the right ends once the service has started with the consumer's express consent within those 14 days, so checkout should capture and log that consent.

Multi-tenant SaaS: what engineers design and what agents build

The parts of a SaaS product that leak data or money are designed by engineers: the multi-tenant data model and tenant isolation, plan and entitlement logic, the billing record that holds each customer's VAT status, and billing webhooks written to be idempotent, so a redelivered event is never processed twice. Trials, upgrades, failed payments and cancellations each get their own tests. Around that core, coding agents produce the CRUD screens, admin views, migrations and test suites, and nothing they write reaches the main branch without a senior engineer's approval. Reveal Software (reveal.software), personal video onboarding for SaaS products, runs on Hono, Drizzle ORM and PostgreSQL. PicKey (pickey.ai) has subscription billing on Stripe, and Inspire Film (inspire.film) handles per-title entitlement for a virtual cinema.

Proof

Published project examples

Reveal Software

Reveal Software

Release Coach AI

Release Coach AI

Inspire Film

Inspire Film

Poppin

Poppin

Zing Coach

Zing Coach

ChurchBee

ChurchBee

AI-accelerated development
from$2,000
per month

Senior engineers building your product with AI coding agents: web, mobile, SaaS or browser extension, reviewed before anything ships.

  • Web, mobile, SaaS and browser extensions
  • AI-assisted delivery under senior engineer review
  • Scope and capacity agreed in writing, renews monthly

AI-accelerated development, billed monthly. We confirm scope, capacity and start date in writing before checkout.

Questions

The things people ask before starting.

Do foreign SaaS companies have to charge VAT in Bosnia and Herzegovina?

Yes, when the customer is not VAT-registered in BiH and has a permanent address or residence there. The UIO treats those electronically supplied services as supplied in BiH and taxes them at 17%. A provider with no seat in BiH must appoint a tax representative, and registration becomes mandatory once taxable turnover passes 100,000 KM in a calendar year.

Is e-invoicing mandatory in the Federation of BiH yet?

Not yet. The Law on Fiscalization of Transactions entered into force in February 2026, but it only starts to apply once its bylaws are adopted, and as of 21 September 2026 they had not been. Once it applies, businesses get two years for B2C and three years for B2B and B2G invoicing.

Can customers in Republika Srpska cancel a SaaS subscription within 14 days?

Generally yes, under the Law on Consumer Protection, which gives consumers 14 days to withdraw from a distance contract. For a service, the right ends once the service has started with the consumer's express consent within that period, unless agreed otherwise, so the checkout has to record that consent clearly.

Can a SaaS product take IPS BiH instant payments?

Possibly, within the country. IPS BiH has settled account-to-account payments in seconds since its launch on 20 July 2026, with three banks taking part at launch. Cross-border payments are planned for a later stage, so a provider collecting into an account outside BiH should plan another method for now.

What does a first SaaS version cost with Curiosive?

Work runs as AI-accelerated development, starting from $2,000 per month, with scope agreed in writing. Both are published starting points in US dollars, and the real budget is set in writing once discovery has shown what the first release needs.

Related pages

Solutions
Locations

Agentic Mobile App Development for Bosnia and Herzegovina

Locations

Software Development for Teams in Bosnia and Herzegovina

Services

Agentic SaaS Development: Multi-Tenant Subscription Products

Locations

SaaS Development for Bulgaria: Billing, VAT and E-Invoicing

How it starts

What happens after you write to us.

  1. 01

    You describe the product

    One paragraph on what you are building, roughly when you need it, and who it is for. No brief, no form with fifteen fields.

  2. 02

    You get a reply within a day

    From the engineer who would do the work, not a sales team. If we are not the right fit we say so, and where possible we point you somewhere better.

  3. 03

    You get a scoped plan

    Scope, price and timeline in writing before anything is committed. You decide with the numbers in front of you.

No long contract to begin, no lock-in to our tooling, and the code is yours from the first commit.

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A short note about the product, the timeline and who it is for is enough to start. You will hear back from the engineer who would do the work, not a sales team.

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Ankara / Türkiye · Working across European and US time zones