Consumer Invoicing (Sweden)

Invoices to consumers in Sweden can be delivered through Maventa as e-invoices to the consumer’s online bank, digital mail solutions such as Kivra and Billo, or via email and print. Distribution to online banks, Kivra and Billo is managed by Maventa’s partner InConx AB (formerly Compello), which serves as the Certified Technical Distributor (CTD), while fallback channels, email and print, are handled directly by Maventa.

• Kivra Sweden
• Billo Sweden

In Sweden, companies can also receive invoices through this channel, as a company can have an SSN (social security number) as its organisation number.

Activation of the B2C e-invoicing solution

Activating business-to-consumer invoicing for a Swedish company is straightforward — all that is required is an account number for receiving payments. The necessary consumer invoicing agreements are automatically created during activation, meaning your company is assigned both an FUI (Faktura Utställar Identitet) and an Agreement ID (Avtals-ID or Avtalsbankgironummer) without any extra steps.

If your company already has an FUI and Agreement ID, you can enter them during activation, though this is optional.

The following information is required to activate the service through Maventa. Activation can be completed via the UI or API.

Mandatory:

• Bank account number (Bankgiro or PlusGiro) — used for receiving payments

Optional:

• FUI (Faktura Utställar Identitet) — if already obtained from your bank, you can provide it during activation
• Agreement ID — also referred to as Avtals-ID or Avtalsbankgironummer, depending on the bank

In addition to the account details (and optionally the FUI and Agreement ID), Maventa forwards your company name and business ID (BID) to its B2C partner.

• To initiate activation use POST /v1/services/b2cse/agreement
• To poll the activation status, use GET /v1/services/b2cse/agreement

Once the details are submitted, InConx AB initiates the activation of the FUI and establishes the necessary connections with Bankgirocentralen (BGC), Nordea, and Swedbank, enabling e-invoice delivery directly to consumers’ online banks. These connections also provide access to all other banks through central systems. A connection to Kivra and Billo is created at this stage and becomes active once the bank connections are established.

The activation process can take up to one week. Once completed, the sender can start sending consumer invoices via banks and digital mail solutions. An onboarding page is also generated, allowing consumers to register as recipients in their online banks.

If you already have an active FUI and consumer invoicing setup with another service provider but wish to switch to Maventa, it’s possible to transfer your existing FUI and all related FMIs. This process requires manual handling — please contact Maventa support for assistance.

Onboarding consumers as receivers of e-invoices and digital mail solutions

Once the B2C service is active, the sender appears as a B2C invoicer in consumers’ online banks. This allows consumers to create a consumer invoicing agreement with the sender. They are guided to an onboarding page within their online bank, where they complete a standardised form. By default, this page is branded with the Visma logo — to customise the branding, contact Maventa support.

After the consumer submits the agreement, a unique identifier called FMI (Faktura Mottagar Identitet) is created and stored by InConx AB. The FMI is essential for delivering e-invoices to the consumer’s bank. The consumer’s social security number (SSN), included in the invoice, is used to match and retrieve the correct FMI. Maventa does not currently support sending consumer e-invoices without an active FMI. Receiving invoices on behalf of another person is not supported in the current B2C solution.

The FMI serves as a unique identifier for the consumer. It is stored by InConx AB, and there is currently no lookup functionality available towards the consumer registry from Maventa.

The FMI is structured as follows:

1. SSN or organisation number (12 digits)
2. Receiver’s bank ID (up to 4 digits)
3. Country code: SE

Examples from different banks:

• Nordea FMI (private customer): 194001111111.NB.SE
• Swedbank FMI (private customer): 194001111111.FSPA.SE
• Danske Bank FMI (private customer): 194001111111.OEB.SE
• Handelsbanken FMI (private customer): 194001111111.SHB.SE

If no FMI (Faktura Mottagar Identitet) is found for the consumer based on the SSN provided in the invoice, the invoice will be routed to digital mail solutions. No prior agreement between the sender and consumer is required for delivery via these channels. It’s entirely up to the consumer whether they wish to receive invoices through them.

A lookup is performed against the consumer registries of the digital mail solutions using the SSN from the invoice. If the consumer has an active Billo or Kivra account, the invoice will be delivered there. If delivery through digital mail solutions fails, the invoice is sent via the next available fallback channel, such as email or print.

The lookup order for these digital mail solutions is Billo first, followed by Kivra. This means that if the consumer has both accounts, the invoice will be delivered to Billo. If there is a strong need to customise the order of these delivery routes, contact Maventa support to discuss options.

Sending consumer invoices

Use POST /v1/invoices to send consumer invoices. The invoice XML file is sent as the main payload, and Maventa handles format conversion and routing automatically.

Requirements for e-invoices sent to netbank and Kivra

• The invoice must be sent at least three days before the due date specified on the invoice.
• The consumer’s social security number (SSN) is required. Without it, the invoice cannot be delivered to the online bank or digital mail solutions.
• Credit notes are not supported via B2C channels. If an invoice is detected as a credit note, it will automatically skip the B2C route and be sent instead via email or print, according to the sender’s fallback settings.

The SSN should be provided in the endpoint ID field in one of the following formats: YYYYMMDDnnnn or YYMMDDnnnn

<cac:AccountingCustomerParty>
    <cac:Party>
      <cbc:EndpointID schemeID="0007">201012081234</cbc:EndpointID>
      <cac:PartyIdentification>
        <cbc:ID schemeID="0007">201012081234</cbc:ID>
      </cac:PartyIdentification>

Bank account selection

When sending a consumer invoice, Maventa includes the sender’s bank account details (Bankgiro or PlusGiro) in the payload sent to InConx AB. The account is selected as follows:

1. Maventa looks for a bank account in the invoice XML that matches the account number and type registered during activation.
2. If no match is found, Maventa falls back to the first available Bankgiro or PlusGiro account from the invoice XML.

This means the invoice XML should always include at least one Bankgiro or PlusGiro account in the supplier’s payment details. Ideally, it should include the same account that was provided during activation.

How is the invoice routed

When an invoice is sent from the ERP to Maventa, it follows this routing logic:

1. Internal routing check The value in the endpoint ID (or customer’s business ID) field is checked against Maventa’s internal system. If a match is found, the invoice is sent directly to the receiver within Maventa’s internal network.

2. Peppol routing check The value in the endpoint ID (or customer’s business ID) field is cross-referenced with the Peppol registry. If the receiver is listed in Peppol, the invoice is routed through Peppol.

3. Inexchange / Swedish operator network routing check The value in the endpoint ID (or customer’s business ID) field is checked against the Inexchange address book and NEA registry. If the receiver is found, the invoice is sent through that operator route.

4. B2CSE service routing If the sender has an active B2CSE service, the invoice is routed through InConx AB:
   • The invoice is sent to the netbank if the receiver has an active FMI.
   • If the receiver has both an active Billo and Kivra account, the invoice is sent to Billo, as Billo has priority in the routing order for digital mail solutions.
   • If the receiver has a Kivra account, the invoice is sent to Kivra.
5. Fallback routes If none of the above routing options are applicable, the invoice is routed to email or print, depending on the sender’s fallback settings and whether the receiver’s email and address details are provided.

Testing

The Swedish B2C consumer invoicing service is only available in the production environment. Maventa’s testing environment does not support the B2C Sweden route, as it relies on live connections to InConx AB, Bankgirocentralen, and the consumer registries of netbanks, Kivra, and Billo.

To verify the integration, send a test invoice in production to a consumer with a known SSN and an active FMI or digital mail account. Use GET /v1/invoices/{id} to confirm that the invoice was routed to the expected channel.

Tracking delivery status

Track the invoice status using GET /v1/invoices/{id}. Consumer invoices routed through InConx AB follow the same status flow as other invoices sent via Maventa.

Questions and answers

• If we start setting up consumer invoicing and the same Bankgiro number is already connected to a technical provider, can we still proceed?

Yes, the same Bankgiro number can be used.

A Bankgiro or Plusgiro number works essentially like an address. On a more detailed level, it acts as an intermediary between the Bankgiro and the customer’s actual bank account. The linking between the Bankgiro number and the underlying bank account (for example, account X in bank Y) is typically managed within the Bankgiro system. This also means that if the customer changes banks, they can simply relink the same Bankgiro number to a new account.

• Will activation automatically deactivate the old technical provider, or does the customer need to actively terminate the old provider first?

The customer only needs to ensure that all invoices sent through the old provider have reached a final status (either OK or failed). Once the transition from the old provider to the new one begins, no new invoices should be sent until the switch has been fully completed.

• What happens if the customer currently has e-invoice mandates, will this take over them?

The customer will need to provide a list of mandates, and Maventa will handle the transfer from the current provider.