E-Invoicing in Finland
Finland has mandatory B2G e-invoicing and a unique legal mechanism: companies with >€10K turnover can demand e-invoices from any supplier, who must comply. The country uses a decentralized operator model with national formats (Finvoice, TEAPPSXML) alongside Peppol. Voluntary B2B adoption is already very high (~99% of B2G invoices are electronic). Finland is preparing for EU ViDA (2028-2030).
Mandate Status
| Phase | Status | Scope |
|---|---|---|
| B2G | Live (Apr 2020) | All public authority suppliers |
| B2G sending | Live (Apr 2021) | All B2G suppliers must send EN 16931 |
| Right to demand | Live (Apr 2020) | Companies >€10K turnover can demand e-invoices |
| Peppol Advanced Ordering | Live (Apr 2024) | Central government purchase orders |
Technical Specifications
Implementation Notes
Finland's decentralized model means there's no single API to integrate with — you connect through operators.
Operator model. Finland uses private operators (banks and service providers) for e-invoice transmission. Your pipeline connects to an operator who handles routing via the Verkkolaskuosoite directory. This is similar to Peppol's Access Point model but predates it. If your customer already has a Finnish bank connection, they likely already have an e-invoicing channel.
Format duality. Finvoice 3.0 (bank network format) and TEAPPSXML 3.0 (industry format) are both EN 16931 compliant but structurally different. Most operators handle both, but your mapping logic needs to account for the format your customer's counterparties expect. Peppol BIS 3.0 is used for cross-border.
Right to demand. The legal right to demand e-invoices (Act 241/2019) means your customer's suppliers can be legally compelled to send structured invoices. This is a selling point for AP automation but also means your system must handle inbound invoices from suppliers who may be sending for the first time with minimal format compliance.
Common Rejection Patterns
| # | Code | Description | |
|---|---|---|---|
| 1 | FI-R-001 | Finnish Business ID required | Fix guide |
| 2 | FI-R-002 | Finvoice format for Finnish B2B | Fix guide |
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