Frequently Asked Questions

Yes, we charge a flat 5€ or 10€ service fee per invoice. Whether you're invoicing 500€ or 8,000€ through us, we only charge a nominal 10€ service fee. For small invoices (VAT 0%, up to 100€), the fee is just 5€. This is usually considerably more affordable than using a percentage-based invoicing service.

Only separately priced additional services, such as foreign invoicing and invoicing in a currency other than EUR, come with a small extra fee. For group invoices, the service fee is charged separately from each member.

Through us you can invoice an entire group's fee with a single invoice. On the invoicing form you choose either your own work or the whole group's fee. It's important to note that the group's fee must be divided among the group's members, and the whole fee cannot be paid out to just one person. The service fee is charged separately from each member when their pay is processed, and its amount is determined according to the price list.

You can find more information on this topic under Group invoicing.

Invoicing requests made by 16:00 during business hours are reviewed and sent to the customer the same day. If the invoicing request is made outside business hours, it will be processed the next business day.

Sending the invoice does require, however, that the invoicing request is filled in correctly. If we notice any ambiguities or errors on the invoicing form, we will contact the person who submitted it right away, by email or phone.

Yes, you can invoice a foreign company through us, as long as the work was carried out in Finland. We charge an additional fee according to the price list for this service.

If you're invoicing a company operating within the EU, we need their valid VAT number so that we can issue the invoice using the reverse-charge 0% VAT rate. If the company doesn't have a VAT number, we will invoice according to the Finnish VAT rate. Companies operating outside the EU are always invoiced at a 0% VAT rate, but the company's business ID must be stated in the invoicing request.

If the invoice recipient does not have a valid VAT number, we apply the Finnish VAT rate to the invoice.

If you notice a mistake on an invoicing form you've already submitted, contact us immediately by email at info@keikkalasku.fi. Don't submit a new invoicing request until you've received instructions from us — this prevents two invoices from being sent to the customer. We'll get back to you as soon as possible.

If an incorrect invoice has already been sent to the customer, it can still be corrected easily. Depending on the customer's invoicing system, we can send them a new, corrected invoice and, if needed, a credit note as well. Usually the customer will let us know if a separate credit note is required.

Sometimes an email invoice ends up in the recipient's spam folder. Ask the customer to check their spam and promotions folders first. If it's not there either, we'll resend it at your request.

It's very rare for e-invoices to go missing, and any issues are usually related to the customer's e-invoicing system. E-invoices can't be resent, so in these situations we send the invoice to the customer by email instead, even if e-invoicing was their preferred method. If necessary, we'll also contact the invoice recipient to clarify the situation.

When using the invoicing service, VAT must always be taken into account, even if you yourself are not liable for VAT, because the invoicing is done under the invoicing service's business ID.

Here is a list of the most common fields that use invoicing services and their VAT rates. The most commonly used VAT rate is 25.5%, and it applies in practice to nearly all fields, except those covered by a VAT exemption or the reduced 10% or 14% VAT rates.

VAT exemption

• Performance fees (e.g. musicians, hosts, circus artists, dancers, models and actors)
• General education and vocational training services
• Illustration (illustrations are VAT-exempt as a transfer of copyright. VAT is added if they are used for advertising purposes)
• Usage compensation (e.g. composing or arranging, if the copyright remains with the invoicer and only a usage right/copyright is transferred to the invoiced party)

VAT 14% (until 31.12.2025)

• Catering services
• Sports services (that provide an opportunity to exercise)

VAT 13.5% (from 1.1.2026)

• Catering services
• Sports services (that provide an opportunity to exercise)

VAT 25.5%

• Sales work
• Graphic design
• Photography, videography and other media fields
• Sound engineer, lighting designer, and roadie work
• Programming and website development
• Recording and mixing
• Social media influencing and various partnership collaborations
• Sports services (coaching)

Everyone who uses the invoicing service is classified under YEL insurance, i.e. the self-employed person's pension insurance. They have the same obligations regarding their own pension insurance as other entrepreneurs, such as sole traders. It's worth noting, however, that most people who use the invoicing service don't necessarily need to take out YEL insurance.

If your total annual gross income from invoicing services or business activities combined stays below €9,423.09 (in 2026), you don't need to take out YEL insurance. Use of the invoicing service or other business activity must also continue uninterrupted for at least 4 months.

Taking out YEL insurance when needed is your responsibility. In addition, it's important that you keep track of your annual income, since at Keikkalasku we can only see the accumulation from the wages we've paid out. We can help you take out YEL insurance and, if needed, explain how the process works. Feel free to contact us if you need help with questions related to YEL insurance.

Keikkalasku.fi's service fee does not include voluntary insurance. If you've already done the work and are comparing invoicing services, note that with many services you end up paying needlessly for insurance if you haven't submitted a work-start notification before starting the assignment. In most cases, voluntary liability insurance is unnecessary.

Unfortunately we don't currently offer voluntary insurance to our customers. With invoicing services, insurance would automatically cover all customers, which would raise costs even for those who don't need insurance.

• Travel expenses invoiced to the customer can be paid tax-free, which covers per diem allowances, meal allowances, mileage allowance, parking costs and accommodation costs. Travel expenses can nowadays be paid tax-free even if this hasn't been separately agreed with the customer. If a total fee has been agreed with the customer, you can choose whether the expenses are shown on the invoice or only taken into account in payroll.
• Supply costs can only be taken into account as income-generating expenses, meaning they cannot be paid tax-free. Supply costs can include so-called consumable supplies used for the work, such as material costs used for renovation work. Equipment purchases cannot be taken into account in invoicing in any way.

All expenses must be supported by a receipt that meets the Finnish Tax Administration's requirements: a photo of receipts, a travel expense report (on our invoicing form) and, if needed, further documentation. Expenses must relate directly to the invoiced work assignment and must be one-off in nature. You therefore cannot receive tax-free expense reimbursement for tool purchases or other costs that remain in your use after the work is completed. However, you can deduct these purchases in taxation as income-generating expenses — see Income generation expenses.

Income-generating expenses cover costs arising from practicing your profession, such as tools, professional literature, and for example office or rehearsal space rent. By reporting these expenses on your tax return, you can reduce your overall tax burden and possibly receive a tax refund.

You can report practically any purchase or expense related to your work or to maintaining/developing your professional skills as an income-generating expense. For example, a musician can report instrument purchases and other music-related expenses (sheet music, strings, picks, printer ink, iPad, etc.) as income-generating expenses. In the construction industry, tools are naturally accepted income-generating expenses. Larger purchases, such as a computer, must be depreciated, spreading the cost over several tax years. It's important to keep receipts for all expenses, as the Tax Administration may request them for review. For per diem allowances and mileage compensation, it's also recommended to keep records.

Service fees have been treated as tax-free since mid-2023, so they can be added as income-generating expenses for invoices paid after that point.

You can invoice an entire group's fee, in which case the customer receives a single invoice on behalf of the whole group. Group invoicing is especially popular for handling musicians' performance fees, but it also works for other kinds of groups. In a group invoice, the fee is split among the group according to the method specified by the person submitting the invoice, and everyone receives payment to their own account.

Group invoicing is easy to do. On the second page of the invoicing form, first select 'Group work' and then enter the group's name. After that, on the third page you can add the group's other members under 'Add person to group invoice'. For other members you only need to enter their first name, last name and email address. If other members have already registered with our service, use the email addresses they previously provided.

If the group invoice includes new users, we'll send them a request to register with the service. The person submitting the invoice does not need to provide other members' payroll details. It's also important to note that you shouldn't re-enter your own details on page three, since the person submitting the invoice is automatically added to the group invoice.

There are two ways to split the fee: an equal split (the form does the splitting automatically) or a custom split, where you can divide the fee among the group however you like. Fees are paid to each person's own account, taking into account each individual's personal tax card withholding rate. Any expense reimbursements, such as travel expenses, must be reported at the time of invoicing for all group members.

Once the invoiced party has paid the invoice, it is processed and paid out automatically through our service. If payroll details are missing for some group members, it does not delay payment for the others. For missing payroll details, we send an email inquiry to everyone whose information is missing or needs to be completed.

Yes, if one or more group members have their own sole proprietorship, they need to invoice their own share through Keikkalasku. Everyone specifies in their own details whether they are a wage earner, a sole trader, or invoicing through another company.

Pass-through invoicers are sent invoicing instructions once Keikkalasku has received payment from the customer and the group fee has been calculated.

The invoicer must be registered in the prepayment register in order for the invoice to be paid.

The group's fee must, as a rule, always be split somehow among the group so that the payment is correctly allocated for income tax purposes. Paying the entire group's fee to one person would incorrectly burden that individual's income taxation and YEL obligation. In addition, any resulting payments from that person to other group members would in practice amount to unreported ("under the table") payments.