Consumer Invoicing
Maventa enables businesses to send invoices directly to consumers (B2C) through a range of electronic channels — including netbanks, digital mailboxes, direct debit, email, and print. The available channels and activation steps vary by country, so select your market below for detailed instructions.
Consumer invoicing is tied to the sender’s country. Each country’s B2C service is only available to senders from that same country — for example, sending to Swedish consumers requires a Swedish company with a valid Swedish business ID, sending to Finnish consumers requires a Finnish company, and sending to Norwegian consumers requires a Norwegian company. To reach consumers in a country where you are not registered, use email or print instead.
How it works
Consumer invoices are sent through the same POST /v1/invoices endpoint used for B2B invoices. Maventa’s routing logic automatically determines the best delivery channel based on the recipient’s registrations, the sender’s active agreements, and any route preferences specified in the API call.
If the primary electronic channel is unavailable — for example, the consumer has not registered for e-invoicing — the invoice falls through to the next channel in the routing order, such as email or print.
Sending consumer invoices from France? The French e-invoicing mandate will require consumer invoices to be marked explicitly: set recipient_type=consumer when sending — the value is available now, ahead of the French sending phase. The parameter declares the receiver as a consumer for senders in any country; only for Norwegian senders does it additionally switch on consumer routing. See marking an invoice as B2C for details.
Supported channels by country
Finland
- E-invoices and direct payments to consumer netbanks via the Finnish banking network. Requires SI/RI message exchange to establish agreements with banks and consumers.
- Digital mailbox — delivery to the consumer’s digital mailbox, with automatic consumer lookup based on invoice data. Maventa delivers to Kivra until 15th of October 2026 and to Posti’s OmaPosti after that. See Kivra moves to OmaPosti.
- OmaPosti — digital letter delivery through the print route. Consumers with an active OmaPosti account receive the invoice digitally instead of on paper.
- Email and print as fallback channels.
Sweden
- E-invoices to consumer netbanks via InConx AB (Certified Technical Distributor), covering all major Swedish banks through BGC, Nordea, and Swedbank connections.
- Kivra and Billo — digital mailbox services. If no bank agreement (FMI) exists for the consumer, Maventa attempts delivery to Billo first, then Kivra.
- Email and print as fallback channels.
Norway
- eFaktura to consumer netbanks and Vipps, using the Yes to All (JTTA) registry for automatic consumer matching.
- AvtaleGiro — direct debit with automatic deduction file creation. Maventa handles both the payment and the consumer notification.
- Digital Postkasse Innbygger (DPI) — for municipalities sending digital post to consumers.
- Email and print as fallback channels.
Consumer invoicing in other markets
Maventa’s consumer invoicing solution is currently available in Finland, Sweden, and Norway. If you need to send consumer invoices in other markets, contact Maventa to discuss the available options.