Harju, Estonia
Custom ERP and billing, AI agents, web applications and SaaS for technology and financial services businesses in Tallinn. Built by Flip Retail in Jaipur, India, and delivered remotely, with working software every two weeks.
01 — Local economy
Skype's engineering team in Tallinn trained a generation of developers who went on to found or staff Wise, Bolt and dozens of other start-ups, and the e-Residency scheme lets foreign founders run Estonian companies from abroad. The Port of Tallinn, with its Muuga cargo harbour and busy ferry link to Helsinki, supports logistics and tourism, and Swedish-owned banks lead retail finance.
Estonian, English and Russian
02 — Industries
What we would build first for the industries Tallinn is known for.
03 — Compliance
What an ERP, billing system or AI agent has to respect here.
| Indirect tax | VAT (käibemaks), standard rate 24%Standard rate 24% since 1 Jul 2025 (up from 22%, now kept indefinitely), with reduced rates for selected goods and services; returns are monthly. The KMD INF annex lists invoices of €1,000 or more per partner. |
|---|---|
| E-invoicing | Planned · EN 16931 (UBL / Peppol BIS) via e-invoice operatorsSince 1 Jul 2025 any business registered as an e-invoice recipient can require its suppliers to send structured EN 16931 e-invoices. The government has proposed mandatory B2B e-invoicing and full invoice reporting from 2027, but this was still pending legislation at last check. |
| Data protection | GDPR plus the Personal Data Protection Act (Isikuandmete kaitse seadus, 2018)GDPR applies directly, supplemented by the Personal Data Protection Act (Isikuandmete kaitse seadus, 2018) and supervised by the Data Protection Inspectorate (Andmekaitse Inspektsioon); B2B buyers expect an Art. 28 data processing agreement, a sub-processor list and, in practice, EU/EEA hosting or SCC-covered transfers. |
| AI rules | The EU AI Act applies directly: prohibited AI practices have been banned since 2 Feb 2025, general-purpose AI model rules apply since 2 Aug 2025 and transparency duties (e.g. chatbot disclosure, AI-content labelling) since 2 Aug 2026, while the Digital Omnibus on AI (in force 27 Jul 2026) moved stand-alone high-risk (Annex III) obligations to 2 Dec 2027 and product-embedded high-risk (Annex I) obligations to 2 Aug 2028; Estonia had not formally appointed its AI Act authorities as of mid-2026. |
| Systems we migrate from or connect to | Merit Aktiva, Directo, SmartAccounts, Standard Books, Microsoft Dynamics 365 Business Central, OdooMasters, ledgers, stock and open balances move across and are reconciled before cutover. |
| Payment rails for web apps and SaaS | SEPA, Bank links (Swedbank, SEB, LHV), Montonio, Maksekeskus, Stripe |
| Also worth knowing | The planned mandate would abolish the €1,000 KMD INF threshold so all B2B invoices are reported. Digital-first operations (e-Residency, X-Road) mean buyers expect API-first, cloud ERP. |
General information, not legal or tax advice. Last reviewed October 2026. Rules change, so we confirm current requirements during discovery; your tax adviser should confirm anything that affects filings.
Sources consulted:
04 — Working together
Jaipur is 3 h 30 min ahead of Tallinn on standard time, and 2 h 30 min ahead during daylight saving time there. A 09:00 start there is 12:30 in Jaipur. Standard 09:00–18:00 office days overlap by 5 h 30 min to 6 h 30 min, which is enough for live calls, demos and same-day answers.
Local time, standard time.
Pranjal is the best developer — started and ended development before schedule.
50+ projects for 30+ clients in 11 countries over six-plus years.
05 — FAQ
Yes, remotely. Flip Retail is a software studio in Jaipur, India, with no office in Tallinn; discovery happens on video calls and you get working software every two weeks.
Jaipur is 3 h 30 min ahead of Tallinn on standard time, and 2 h 30 min ahead during daylight saving time there. A 09:00 start there is 12:30 in Jaipur. Standard 09:00–18:00 office days overlap by 5 h 30 min to 6 h 30 min, which is enough for live calls, demos and same-day answers.
Yes. Invoicing is built for Estonia's VAT (standard rate 24%). On e-invoicing: Since 1 Jul 2025 any business registered as an e-invoice recipient can require its suppliers to send structured EN 16931 e-invoices. The government has proposed mandatory B2B e-invoicing and full invoice reporting from 2027, but this was still pending legislation at last check. When the mandate takes effect, a custom ERP can connect to EN 16931 through its official API or an accredited provider; we design for it from the start.
You choose: your own cloud account in a region that suits you, or your own servers. Access inside the system is role-based, and during development we work on test or masked data wherever possible. GDPR applies directly, supplemented by the Personal Data Protection Act (Isikuandmete kaitse seadus, 2018) and supervised by the Data Protection Inspectorate (Andmekaitse Inspektsioon); B2B buyers expect an Art. 28 data processing agreement, a sub-processor list and, in practice, EU/EEA hosting or SCC-covered transfers.
Yes. Masters, ledgers, stock and opening balances move across and are reconciled with your accountant before cutover, ideally at a year-end or quarter-end.
Yes. Current language models handle Estonian, English and Russian well, including mixed-language messages. We still test an agent in each language your customers use before it goes live, and route anything it is unsure about to your team.
Usually one module that fixes the most expensive problem first. For technology & startups that is often subscription billing and project & time tracking. It goes live early, and the rest of the system follows in two-week increments while your team is already using it.
Contact
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