Finvoice 3.0 calculation and payment rules
14 rules, version Implementation guidelines 2.6 (16 September 2025), published by xmlvalid, after Finance Finland's Finvoice 3.0 Implementation Guidelines (MIT, source). Checked with Finvoice 3.0 .
- XV-FI-01 InvoiceTotalVatIncludedAmount (…) must be InvoiceTotalVatExcludedAmount + InvoiceTotalVatAmount (… + …) (Finvoice 3.0 guidelines, 14).
- XV-FI-02 InvoiceTotalVatExcludedAmount (…) must be RowsTotalVatExcludedAmount - DiscountsTotalVatExcludedAmount + ChargesTotalVatExcludedAmount (Finvoice 3.0 guidelines, 14).
- XV-FI-03 The sum of RowVatExcludedAmount of the invoice rows (…) must be RowsTotalVatExcludedAmount, or InvoiceTotalVatExcludedAmount when there are no invoice level discounts or charges (Finvoice 3.0 guidelines, 14).
- XV-FI-04 InvoiceTotalVatAmount (…) must be the sum of VatRateAmount in the VAT breakdown (…) (Finvoice 3.0 guidelines, 14).
- XV-FI-06 VatBaseAmount of the … % rate (…) must be the sum of RowVatExcludedAmount of the rows at that rate (…) (Finvoice 3.0 guidelines, 14).
- XV-FI-07 VatRateAmount of the … % rate (…) is neither the sum of RowVatAmount of the rows at that rate (…) nor the rate applied to VatBaseAmount (Finvoice 3.0 guidelines, 14).
- XV-FI-08 A credit note (INV02) always has a zero or negative total; InvoiceTotalVatIncludedAmount is … (Finvoice 3.0 guidelines, 10.5).
- XV-FI-09 The payment reference '…' has no valid check digit: a Finnish reference number (SPY) ends in a 7-3-1 check digit, an international one (ISO, RF) has ISO 11649 check digits (Finvoice 3.0 guidelines, 13).
- XV-FI-10 The IBAN '…' is not valid: its check digits do not match, or a Finnish IBAN is not 18 characters (Finvoice 3.0 guidelines, 13).
- XV-FI-11 A secure invoice (…) needs InvoiceClassification/ClassificationCode; unless agreed otherwise it may be the same as InvoiceTypeCode (Finvoice 3.0 guidelines, 10.5).
- XV-FI-12 OriginCode Cancel may be used only in a credit note (INV02), not with … (Finvoice 3.0 guidelines, 10.7).
- XV-FI-13 warning The business ID (Y-tunnus) '…' has no valid check digit.
- XV-FI-14 warning The Finnish VAT number '…' is not FI followed by the eight digits of a valid business ID.
- XV-FI-15 warning EpiInstructedAmount (…) is not InvoiceTotalVatIncludedAmount - InvoicePaidAmount + InvoiceTotalRoundoffAmount (…), as in the guidelines' calculation example (Finvoice 3.0 guidelines, 14).