What’s Finvoice 3.0 and when do I need it for B2G / B2B?

Finvoice is Finland’s national XML e-invoice format, currently at version 3.0 (Finvoice 3.0, governed by Finanssiala ry, the Finnish Finance Association). It’s mandatory for B2G (selling to the Finnish public sector, the state, municipalities, hospitals) and very common in B2B, most Finnish OY / OYJ businesses expect to receive a Finvoice rather than a PDF.

The Finvoice flow:

1. Magento generates an order → XML Finvoice 3.0 document with ALV breakdown, Y-tunnus, IBAN, payment terms (Net-14 / Net-21 / Net-30 typical).
2. The XML is routed through a Finvoice operator (transmission service): the big ones are Maventa (Visma-owned), Apix Messaging, OpusCapita, Pagero, Posti Messaging, Tieto Evry.
3. The operator delivers the Finvoice to the recipient’s ERP / accounting system (Visma, Lemonsoft, Netvisor, Procountor, Talenom, Fennoa).

Magento integration: we add a Finvoice 3.0 generator (XML schema validation, IBAN-derived addressing via OVT-tunnus), connect it to your chosen operator’s REST API, and wire it into sales_order_invoice creation. ALV 25.5% is the new standard rate from September 2024 (raised from 24%).