Enable Your Company for e-Invoicing to Consumers' Online Banks
With the consumer e-invoicing feature, your company can appear in consumers’ online banks, allowing them to subscribe to e-invoices directly.
Getting Started
You can order the consumer e-invoicing feature from the Your Subscription page.
Biller Notification
The biller notification (laskuttajailmoitus) publishes a specific billing subject from your company to consumers' online banks. Once published, the consumer can subscribe to your e-invoice, and their invoicing information will be updated in Eemel.
To create the notification, go to:
Sales → Consumer e-Invoicing
Key Fields Explained
Recipient's Operator Code
Select the banks where the biller notification should be sent.
It's recommended to send it to all banks at once.
Notification Type
Choose whether the notification is a new billing subject, a modification, or a deletion.
For changes or deletions, use the “Create modification” or “Create deletion” options from a previously sent notification to autofill existing data.
Sender's Bank Details
Enter all bank accounts from which the biller receives payments.
These accounts help the online bank suggest e-invoice subscription options.
⚠️ On a modification, include all accounts that should remain active. Some service providers may verify that the account on the invoice matches the ones listed.
Billing Subject ID
A unique identifier set by the sender. It must match the billing subject assigned to consumer e-invoices.
Billing Subject Text (FI/SV/EN)
A description linked to the billing subject ID.
Must be provided in Finnish, Swedish, and English to allow the bank to display it in the consumer's preferred language.
Sender Instructions to Recipient (FI/SV/EN)
Instructions visible to the consumer (e.g., how long it takes to activate e-invoicing, or specific reference details).
Also required in FI/SV/EN.
Example: “Required reference details can be found at the top right corner of your invoice.”
If there are exceptions (e.g., certain invoices cannot be delivered electronically), this must be mentioned here.
Reception Notifications
View reception notifications in:
Invoices → Consumer e-Invoicing → Reception Notifications
Notifications not matched automatically will appear under the Unprocessed tab
You can either assign them manually to the correct customer or reject them
Unmatched notifications will also generate a system alert.
Updates to Customer Data
Once a biller notification is received, the customer’s e-invoicing address is updated.
A deletion will clear the e-invoicing address and restore the default sending method.
Creating a Consumer e-Invoice
While creating an invoice, select the billing subject from the e-invoicing details section
If a default billing subject is already set for the customer, it will populate automatically
Choose Finvoice e-invoice as the sending method
Timelines
It usually takes 1 day for a biller notification to appear in online banks
In some cases, it may take up to 4 days
The same delay applies to consumer reception notifications