Payment

Use of e-invoices makes your daily life easier

You can check and confirm bills quickly or, if you wish, choose e-invoices to be paid automatically.

"An e-invoice is convenient. The bills find their way to their recipients both on weekdays and holidays and do not lie in the letterbox or get lost." Riikka, Espoo

Did you know that receiving e-invoices in your online bank in an electronic format is an easy way to pay bills? An e-invoice contains all the same information as a paper invoice and differs only by its method of delivery. You can order e-invoices easily on the op.fi service or on OP-mobile. As the payment details are entered in the online bank automatically, payment is done easily with a computer, tablet or smartphone. The bill’s details are automatically correct, as you will never need to enter information by hand. The bill is also automatically stored in the e-invoice archive. What’s more, the carbon footprint of eco-friendly e-invoices is only a third that of paper bills.

You will get a notification on new e-invoices in your online bank and by email or SMS

You can be certain of being notified of new bills. You will receive bills well in advance before the due date and receive a notice in your OP eServices. You can also choose to receive notices by email or SMS. E-invoices will not be charged from your account until you have approved them unless you have separately select automatic payments. You can also download the OP-mobile app to receive notifications of new e-invoices directly in the app.

You can edit e-invoices if needed

E-invoices can be easily edited. You can change the payment account and amount or bring the due date forward. If you wish, you can also choose some bills to be paid automatically. For example, you can choose bills under 50 euros to be paid without needing approval.

Use of e-invoices makes your daily life easier

Use of e-invoices is easy, free of charge, flexible and secure.

Easy

E-invoices are a convenient alternative to paper bills, because the bill reaches you wherever you are. You do not need to enter long account and reference numbers but the details are there in your online bank. If you choose automatic acceptance, you do not need to accept your bills separately. They will be performed automatically.

Free of charge

When you order bills as e-invoices instead of paper bills, you do not need to pay any extra charge for paper bills. Moreover, paying the bill is costless as against, say, payment envelope services. Through the automatic debit payments, you can also save in that your bills will always be paid in time and you do not have to pay any penalty fees for late payments or reminder fees.

Flexible

You can always edit an individual e-invoice and e-invoice order. This also applies when you choose automatic debit payment. You can change the payment account and bring forward the due date. You can also postpone the due date and change the payment amount, provided that you first agree on this with your originator.

Secure

E-invoices are secure and will always certainly come through. Banks carefully verify the identity of e-invoice senders and payers. E-invoice details are always correct. This means that your payments will always go to the correct account. You will also forego the trouble of appropriately disposing of paper bills. This is how your information remains safe. In any case, e-invoices are safe in the e-invoices archive of you online bank and you can go back to get them later.

Four ways to start using an e-invoice

When you're paying a paper bill on OP eServices, you see tips on how to enable an e-invoice.

1. Start receiving this bill as an e-invoice.

Make an e-invoice order while you are entering a new payment.

2. Select a paid bill under Tapahtumavirta (Transactions Feed) and order it as an e-invoice.

Press the clearly visible Tilaa e-lasku (Order an e-invoice) button under Tapahtumavirta (Transactions Feed).

3. Search for the payee and order an e-invoice.

You can easily order e-invoices by searching for the payee by the payee's name, business ID or account number. Keep the latest bill from the payee at hand, because you need to enter either the reference number or the customer number shown on the bill.

4. Just accept a proposed e-invoice.

The payee with whom you have an agreement may send a proposed e-invoice to you in OP eServices. The proposed e-invoice is a prefilled e-invoice order. Just accept the proposed e-invoice and you have ordered an e-invoice.

How does direct (autogiro) payment work?

If you are not a user of OP eServices, you can also use direct (autogiro) payment service to make your payments.

This is how you start

1. Make a direct payment agreement at your own local bank branch or call our customer service, 0100 0500.
2. You will receive a notification by post from the payee of the payment to be debited on the due date.
3. The payee will send the bank a copy of the bill on the basis of which the payment will be made automatically for the customer.
 
You may not change the amount due, due date or account number of the bill based on direct payment. If you want any changes to billing, you should agree on them separately with the payee well in advance.