# Finvoice 3.0 calculation and payment rules Implementation guidelines 2.6 (16 September 2025)

Source: https://xmlvalid.com/rules/sets/fi-finvoice-xv

> 14 rules by xmlvalid, after Finance Finland's Finvoice 3.0 Implementation Guidelines (MIT). Source: https://www.finanssiala.fi/en/topics/finvoice-standard/

- [XV-FI-01](https://xmlvalid.com/rules/XV-FI-01.md) (error): InvoiceTotalVatIncludedAmount (…) must be InvoiceTotalVatExcludedAmount + InvoiceTotalVatAmount (… + …) (Finvoice 3.0 guidelines, 14).
- [XV-FI-02](https://xmlvalid.com/rules/XV-FI-02.md) (error): InvoiceTotalVatExcludedAmount (…) must be RowsTotalVatExcludedAmount - DiscountsTotalVatExcludedAmount + ChargesTotalVatExcludedAmount (Finvoice 3.0 guidelines, 14).
- [XV-FI-03](https://xmlvalid.com/rules/XV-FI-03.md) (error): 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](https://xmlvalid.com/rules/XV-FI-04.md) (error): InvoiceTotalVatAmount (…) must be the sum of VatRateAmount in the VAT breakdown (…) (Finvoice 3.0 guidelines, 14).
- [XV-FI-06](https://xmlvalid.com/rules/XV-FI-06.md) (error): VatBaseAmount of the … % rate (…) must be the sum of RowVatExcludedAmount of the rows at that rate (…) (Finvoice 3.0 guidelines, 14).
- [XV-FI-07](https://xmlvalid.com/rules/XV-FI-07.md) (error): 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](https://xmlvalid.com/rules/XV-FI-08.md) (error): A credit note (INV02) always has a zero or negative total; InvoiceTotalVatIncludedAmount is … (Finvoice 3.0 guidelines, 10.5).
- [XV-FI-09](https://xmlvalid.com/rules/XV-FI-09.md) (error): 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](https://xmlvalid.com/rules/XV-FI-10.md) (error): 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](https://xmlvalid.com/rules/XV-FI-11.md) (error): 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](https://xmlvalid.com/rules/XV-FI-12.md) (error): OriginCode Cancel may be used only in a credit note (INV02), not with … (Finvoice 3.0 guidelines, 10.7).
- [XV-FI-13](https://xmlvalid.com/rules/XV-FI-13.md) (warning): The business ID (Y-tunnus) '…' has no valid check digit.
- [XV-FI-14](https://xmlvalid.com/rules/XV-FI-14.md) (warning): The Finnish VAT number '…' is not FI followed by the eight digits of a valid business ID.
- [XV-FI-15](https://xmlvalid.com/rules/XV-FI-15.md) (warning): EpiInstructedAmount (…) is not InvoiceTotalVatIncludedAmount - InvoicePaidAmount + InvoiceTotalRoundoffAmount (…), as in the guidelines' calculation example (Finvoice 3.0 guidelines, 14).