{"id":827,"date":"2018-11-27T09:17:28","date_gmt":"2018-11-27T09:17:28","guid":{"rendered":"https:\/\/websitedemos.net\/discover-outdoors\/?page_id=6"},"modified":"2026-03-30T10:12:15","modified_gmt":"2026-03-30T10:12:15","slug":"usein-kysyttya","status":"publish","type":"page","link":"https:\/\/kassavirtanen.fi\/en\/usein-kysyttya\/","title":{"rendered":"FAQ"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"827\" class=\"elementor elementor-827\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0cd0a9d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0cd0a9d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-22e043d elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"22e043d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bb04beb elementor-alert-info elementor-widget elementor-widget-alert\" data-id=\"bb04beb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"alert.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-alert\" role=\"alert\">\n\n\t\t\t\t\t\t<span class=\"elementor-alert-title\">We offer our new customers 0% service fee for the first month from the date of registration!<\/span>\n\t\t\t\n\t\t\t\t\t\t<span class=\"elementor-alert-description\">Offer valid until the end of the year 2023.<\/span>\n\t\t\t\n\t\t\t\t\t\t<button type=\"button\" class=\"elementor-alert-dismiss\" aria-label=\"Dismiss this alert.\" data-no-translation-aria-label=\"\">\n\t\t\t\t\t\t\t\t\t<span aria-hidden=\"true\">&times;<\/span>\n\t\t\t\t\t\t\t<\/button>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6dab0082 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"6dab0082\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_bottom&quot;:&quot;mountains&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 1000 100\" preserveaspectratio=\"none\">\n\t<path class=\"elementor-shape-fill\" opacity=\"0.33\" d=\"M473,67.3c-203.9,88.3-263.1-34-320.3,0C66,119.1,0,59.7,0,59.7V0h1000v59.7 c0,0-62.1,26.1-94.9,29.3c-32.8,3.3-62.8-12.3-75.8-22.1C806,49.6,745.3,8.7,694.9,4.7S492.4,59,473,67.3z\"\/>\n\t<path class=\"elementor-shape-fill\" opacity=\"0.66\" d=\"M734,67.3c-45.5,0-77.2-23.2-129.1-39.1c-28.6-8.7-150.3-10.1-254,39.1 s-91.7-34.4-149.2,0C115.7,118.3,0,39.8,0,39.8V0h1000v36.5c0,0-28.2-18.5-92.1-18.5C810.2,18.1,775.7,67.3,734,67.3z\"\/>\n\t<path class=\"elementor-shape-fill\" d=\"M766.1,28.9c-200-57.5-266,65.5-395.1,19.5C242,1.8,242,5.4,184.8,20.6C128,35.8,132.3,44.9,89.9,52.5C28.6,63.7,0,0,0,0 h1000c0,0-9.9,40.9-83.6,48.1S829.6,47,766.1,28.9z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-791fb34b\" data-id=\"791fb34b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7f6c1b15 elementor-widget elementor-widget-heading\" data-id=\"7f6c1b15\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">About Kassavirtanen.fi service<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6872fe2d elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6872fe2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-29b86c7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"29b86c7\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3734973\" data-id=\"3734973\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f4b22dd elementor-widget__width-initial elementor-widget elementor-widget-toggle\" data-id=\"f4b22dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2561\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2561\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Start and use<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2561\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2561\"><h6>How much does the start and use of the service cost?<\/h6><ul><li>Registration is completely free of charge. You only pay a 3% service fee when withdrawing your salary, of the total amount of the invoice (incl. VAT).<\/li><\/ul><h6>Can I start using service without commitments?<\/h6><ul><li>With us, you only agree to comply with the terms of use. There are no separate notice periods or costs related to user account maintenance.<\/li><\/ul><h6>Can I work in several different fields?<\/h6><ul><li>You can work in as many fields as you want! The most important thing is to find out before invoicing with which VAT each industry should be invoiced.<\/li><\/ul><h6>Can I invoice through Kassavirtanen, even if I am entrepreneur or if I have my own business ID?<\/h6><ul><li>This is not possible through Kassavirtanen, as this can interfere with companies' tax returns from the taxpayer's point of view. Our service is only aimed at individuals who invoice without their own business ID.<\/li><\/ul><h6>Can I instruct my workers to invoice through Kassavirtanen for the work they have performed for us?<\/h6><ul><li>Yes! This requires that the work done by the worker is considered as having acted as an independent worker, and not in a position comparable to an employment relationship.<\/li><\/ul><div><h6>Can I get Valtti card through you?<\/h6><ul><li>You can. This requires that invoicing is done through our service and that you are registered with us as a light entrepreneur. You can easily order the Valtti card via the \u201cMy details\u201d tab. The price of the Valtti card is \u20ac50.45 (incl. VAT).<\/li><\/ul><h6>Can I, as a light entrepreneur, use Kassavirtanen's business ID, for example, when making supply orders?<\/h6><ul><li>A light entrepreneur may use Kassavirtanen's business ID only in the assignment contract between them and the client, as well as on invoices when billing the client. The light entrepreneur is not permitted to use Kassavirtanen's business ID in any other context, such as in other agreements, for creating their own customer accounts, or when ordering supplies.<\/li><\/ul><div><div><div>\u00a0<\/div><\/div><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2562\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2562\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Invoices<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2562\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2562\"><h6>How does the invoicing happen in practice?<\/h6><ul><li>Invoicing is made simple. You can create your own customers on the Customers tab or fill in your customers information one invoice at a time. In addition, information about the work performed is added to the invoices, as well as other information requested by the system.<\/li><\/ul><h6>How fast will the invoice be forwarded?<\/h6><ul><li>The invoice is issued when the invoice is sent. There may be a delay with online invoices. After sending the invoice, you will always receive a confirmation of this by e-mail.<\/li><\/ul><h6>When can I charge without VAT?<\/h6><ul><li>Value added tax should always be included in invoices as a matter of principle, as invoicing is done with our company's business ID. VAT reliefs only apply to companies and business owners with an annual income of less than 15,000eur.<\/li><\/ul><h6>What to do if my customer is on a construction industry and the invoice should be covered by the reverse VAT?<\/h6><ul><li>When you are creating an invoice, choose the option \u201dI offer construction services (VAT 0%)\u201d and also update VAT % to 0. After that, the invoice will contain a sentence: \"On section Arvonlis\u00e4verolaki 8 c \u00a7 provides that the purchaser of a construction service is subject to VAT.\"<\/li><\/ul><h6>My invoice is incorrect. How can I create a refund invoice?<\/h6><ul><li>The refund invoice cancels the original invoice from us and from your client. You can create a refund invoice in the invoice line by pressing the round arrow icon. Please note that the total amount of the refund invoice must be the same as the original invoice, as partial refunds do not work in our system.<\/li><\/ul><h6>How and at what stage are reimbursements added to the invoice?<\/h6><ul><li>Reimbursements can only be added to the invoice when your customer has committed to pay them. If not, then they should be reported as part of personal taxation.<\/li><li>Expense reimbursements are created on the Expenses and reimbursements tab, after which they are attached to the invoice, which must be saved as a draft on the Invoices tab. Please note that only expenses and compensations attached to invoices via the tab can be paid to you.<\/li><\/ul><h6>What can I deduct in taxes?<\/h6><ul><li>Tax-deductible expenses include YEL insurance premiums and other reimbursements that have not been invoiced from your customer.<\/li><\/ul><h6>Can I invoice my customer with cash, a payment terminal or MobilePay?<\/h6><ul><li>Unfortunately, this is not possible. Invoicing through us is done only by invoice.<\/li><\/ul><h6>Can I also invoice abroad through Kassavirtanen?<\/h6><ul><li>Yes, and in that case the VAT is 0% for companies, but always 25,5% for individuals. The most important thing is to always include the VAT number of the company in question instead of the Finnish business ID on invoices.<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2563\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2563\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Quick pay<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2563\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2563\"><h6>About Quick pay<\/h6><ul><li>The client's confirmation for Quick pay is always required, in an email sent from us.<\/li><li>Limit of Quick pay is max. 4000eur per small entrepreneur\/company.<\/li><li>Quick pay conditions:<ol><li>We check the company's payment index, credit rating, and any payment default entries.<\/li><li>No overdue financed invoices.\u00a0<\/li><\/ol><\/li><\/ul><h6>How quickly I can receive my Quick Pay salary?<\/h6><ul><li>The Quick pay confirmation request goes to your client at the same time you send the invoice yourself. Our customer service processes Quick pay payments during opening hours, on a first-come, first-served basis. If Quick pay cannot be granted, our customer service will be in touch with you.<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2564\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2564\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Salary and taxes<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2564\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2564\"><h6>How do I know if my customer has already paid the invoice?<\/h6><ul><li><span style=\"font-weight: 400;\">The status of the invoice will turn into \"Paid\" when the payment has been registered in our system and the salary is ready to be raised.<\/span><\/li><\/ul><h6>When will my salary be paid?<\/h6><ul><li>When the invoice is shown as paid, the salary can be withdrawn in the Salaries tab. If there is a Quick pay on the invoice, you will receive an e-mail notification of the salary that can be withdrawn when the invoice has been funded. When the salary has been withdrawn, it goes into payment in the next salary run and then the status of the salary changes to \"bank processing\".<\/li><li><strong>Attention!<\/strong> Transactions are always recorded on invoices with a one-day delay. In addition, delays can be caused by weekends and public holidays.<\/li><\/ul><h6>Why haven't I received my salary yet?<\/h6><ul><li>The performance has not yet been registered on the invoice (Note: one-day delay).<\/li><li>Your customer has not yet paid the invoice. (Note! Many schedule the payment until the due date of the invoice).<\/li><li>The invoice has been paid with incorrect information.<\/li><li>The reference number has gone to the message recipient field (common with foreign companies).<\/li><\/ul><h6>Why my salary is less than the amount I invoiced?<\/h6><ul><li>A light entrepreneur's salary always consists of the tax-free part of the bill. When raising the salary, our service fee (3%) + industry-specific value-added tax is always deducted. The additional payment for Quick pay is 2.5% + VAT, i.e. a total of 6.1%.<\/li><\/ul><h6>How do I deliver a tax card, and which tax card do I need to have?<\/h6><ul><li>Our system always collects the tax card information electronically directly from the tax office, once the personal information has been filled in and saved in the system. It is only possible to update the data of the salary tax card in our service, because we pay all your remuneration as salary.<\/li><\/ul><h6>When will my tax card information be updated?<\/h6><ul><li>When the change has been made in OmaVero, the new information can be updated in the system the next day at the latest. The information on the new year's tax cards is updated automatically, if the light entrepreneur has not created a change tax card before this.<\/li><\/ul><h6>Is my client eligible for the household expenses tax credit?<\/h6><ul><li>Yes. In connection with this, the tax authority must be notified of the business ID, and in this case it's Kassavirtanen business ID, which is also used for invoicing. Read more <a href=\"https:\/\/www.vero.fi\/henkiloasiakkaat\/verokortti-ja-veroilmoitus\/tulot-ja-vahennykset\/kotitalousvahennys\/nain-ilmoitat-kotitalousvahennyksen\" target=\"_blank\" rel=\"noopener\">Vero.fi.<\/a><\/li><\/ul><h6>Can I operate as a light entrepreneur even if I am unemployed?<\/h6><ul><li>Yes. This may lead to you being asked to clarify the matter, but you can get a service certificate for this by asking our customer service.<\/li><li>Light entrepreneurship is an easy way to invoice without a major commitment or even to try out an already existing business idea. <span style=\"font-size: 16px;\">Read more: <\/span><a style=\"font-size: 16px; background-color: #ffffff;\" href=\"https:\/\/www.te-palvelut.fi\/jobseekers\/if-unemployed\/unemployment-security\/entrepreneur-unemployment-security#P-taisivutoiminenyrittjyys\">Te-palvelut.fi.<\/a><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2565\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-2565\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Insurance and pension<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2565\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-2565\"><h6>Do I need any obligatory insurance?<\/h6><ul><li>Our service fee includes liability and accident insurance, so you do not need to obtain these separately. Please note that some types of work require permits and such work cannot be invoiced through our service.<\/li><\/ul><h6>What does the accident insurance cover?<\/h6><ul><li><a href=\"https:\/\/kassavirtanen.fi\/en\/tapaturmavakuutus\/\">Accident insurance<\/a> shall pay compensation in the event of an accident, in accordance with the terms, insurance and amounts applicable at the time of the work performed through the service.<\/li><li>If you are working in a profession which requires separate insurance by law, the accidental insurance provided by Kassavirtanen does not apply.<\/li><li>Accident insurance is available only for persons who officially reside in Finland and belong to the Finnish social security system.<\/li><\/ul><h6>What does the liability insurance cover?<\/h6><ul><li><a href=\"https:\/\/kassavirtanen.fi\/en\/tapaturmavakuutus\/\">Liability Insurance<\/a> covers damages up to 1 000 000 euros in accordance with the terms of the insurance. The deductible of the insured for the damages is 1 200 euros. Liability insurance doesn't replace activities that require separate insurance cover in accordance with the accidents at work and occupational diseases act.<\/li><li>Liability insurance is available only for persons who officially reside in Finland and belong to the Finnish social security system.<\/li><\/ul><h6>I had a work accident or damaged the client's property, what should I do?<\/h6><ul><li>In this case, you should contact our customer service. We only need information about what has happened and your email address, and we will send you the insurance information and additional instructions for making a claim report.<\/li><\/ul><h6>How much the liability and accident insurances cost?<\/h6><ul><li>The insurance costs nothing, as all Kassavirtanen's light entrepreneurs are automatically insured with assignments.<\/li><\/ul><h6>Do I need any other additional insurances?<\/h6><ul><li>Please contact your insurance provider to find out <b>insurances from our partner insurance company <a href=\"https:\/\/www.fennia.fi\/\" target=\"_blank\" rel=\"noopener\">Fennia<\/a> customer service.<\/b> Remember to inform that you are working through Kassavirtanen as a light entrepreneur.<\/li><\/ul><h6>Do I accumulate pension?<\/h6><ul><li>The users of Kassavirtanen should be paying YEL insurance to accumulate pension. This means that the users are themselves responsible for getting and paying the insurance, so the user does not automatically accumulate pension as working through Kassavirtanen.<\/li><\/ul><h6>What is YEL?<\/h6><ul><li><span style=\"font-weight: 400;\">YEL refers to the self-employed person\u2019s pension insurance.\n\nIf your income starting from January 1, 2026 exceeds \u20ac9,423.09 over the following 12 months, you are between 18 and 70 years old, you are not receiving an old-age pension under the earnings-related pension laws, and you invoice repeatedly through Kassavirtanen, you are required to take out YEL insurance.\n\nWhen you log in to the service, you will find a YEL section in your personal details where you can set up the insurance yourself.<\/span><\/li><\/ul><h6>Do I pay for health insurance?<\/h6><ul><li>Yes, if you are liable for YEL insurance and have selected the option \"I pay for YEL insurance myself\" from your own information. Read more: <a style=\"font-size: 16px; background-color: #ffffff;\" href=\"https:\/\/www.vero.fi\/syventavat-vero-ohjeet\/ohje-hakusivu\/62252\/laskutuspalveluyritysten-ja-niiden-k%c3%a4ytt%c3%a4jien-verotuskysymyksi%c3%a4\/\" target=\"_blank\" rel=\"noopener\">Vero.fi<\/a><\/li><\/ul><h6><b>YEL insurance through the occupational pension company Elo<\/b><\/h6><ul><li><span style=\"font-weight: 400;\">Kassavirtanen users have the option of obtaining YEL insurance through our partner pension company Elo. If you are interested in YEL insurance, please contact customer service. Kassavirtanen will forward your request to Elo on your behalf.<\/span><\/li><\/ul><div><strong>Information about the insurance agent and partnership<\/strong><\/div><div>\u00a0<\/div><div><p><span data-olk-copy-source=\"MessageBody\">1. <\/span>Representative\u2019s name and contact details:<\/p><div style=\"line-height: 1.2;\"><span style=\"font-size: 16px;\">Kassavirtanen Oy<\/span><br \/><span style=\"font-size: 16px;\">Business-ID: 2803711-2<\/span><\/div><div style=\"line-height: 1.2;\"><span style=\"font-size: 16px;\">asiakaspalvelu@kassavirtanen.fi\u00a0<\/span><\/div><div style=\"line-height: 1.2;\"><span style=\"font-size: 16px;\">Tel. 020 734 6905<\/span><\/div><div style=\"line-height: 1.2;\"><span style=\"font-size: 16px;\">\u00a0<\/span><\/div><p>2. Represented insurance providers: The agent acts on behalf of and in the name of the insurance provider. The agent represents the following insurance company: Keskin\u00e4inen Ty\u00f6el\u00e4kevakuutusyhti\u00f6 Elo.<\/p><p>3. Registration Information: The agent's operations are supervised by the Financial Supervisory Authority of Finland (FIN-FSA), and the agent is registered in the insurance intermediary register maintained by the FIN-FSA. You can check the registration at: https:\/\/www.finanssivalvonta.fi\/en\/registers\/register-of-insurance-intermediaries\/<\/p><p>4. Commissions: The agent receives a commission from the insurance company for leads that result in a sale. The commission is based on the number of insurance policies sold.<\/p><p>5. Complaints Procedure: The agent acts on behalf of the insurance company and follows its instructions. If you are dissatisfied with the actions of the insurance agent and wish to file a complaint related to the insurance agreement or the offering process, you should primarily contact the insurance company that issued the policy. You may also seek to resolve the matter directly with the insurance agent.<\/p><p>It is also possible to file a complaint with the Financial Supervisory Authority.<\/p><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2566\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-2566\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">VAT<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2566\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-2566\"><p><strong>Value Added Tax (VAT) \u2013 Frequently Asked Questions<\/strong><\/p><p><u>Why must VAT be included on the invoice even if I am not registered for VAT?<\/u><\/p><p>When invoicing through Kassavirtanen, VAT must always be included on invoices according to the applicable industry rate, because you are invoicing using our business ID and we are liable for VAT. From a taxation perspective, the invoicing of light entrepreneurs is considered sales of Kassavirtanen.<\/p><p><u>What does \u201cthe price of the product\/service includes VAT\u201d mean?<\/u><\/p><p>This means that if your pay is \u20ac20, this amount already includes VAT. As a result, your actual earnings are lower, because the VAT portion is deducted from the \u20ac20.<\/p><p><u>How do I invoice VAT in addition to the price of my work?<\/u><\/p><p>In this case, you should not select the option \u201cthe price of the product\/service includes VAT.\u201d Instead, enter your unit\/hourly rate as your own pay, and the system will calculate VAT on top of that.<\/p><p><u>How do I know my share of the pay when VAT is deducted from the invoice during payout?<\/u><\/p><p>When creating an invoice, you will always see the sections \u201ctotal\u201d and \u201ctotal (excluding VAT)\u201d below the invoice rows.\n\nThe \u201ctotal\u201d amount is the gross amount of the invoice (including VAT) that your client pays.\nThe \u201ctotal (excluding VAT)\u201d amount is the net amount, which serves as the starting point for calculating your salary.<\/p><p><u>If my annual income stays below \u20ac15,000, do I still need to include VAT on invoices?<\/u><\/p><p>Yes, because invoicing is done under Kassavirtanen\u2019s business ID, and we are VAT-liable.\n\nVAT relief applies only to sole proprietors and companies that have their own business ID. If you have your own business ID, you are not eligible to use an invoicing service that invoices under the service provider\u2019s business ID.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Tarjoamme uusille asiakkaille 0% palvelumaksun ensimm\u00e4isen kuukauden ajan rekister\u00f6itymisp\u00e4iv\u00e4st\u00e4! Tarjous voimassa vuoden 2023 loppuun asti. &times; Tietoa kassavirtanen.fi -palvelusta Aloitus ja k\u00e4ytt\u00f6 Paljonko palvelun aloittaminen ja k\u00e4ytt\u00f6 maksavat? Rekister\u00f6ityminen on t\u00e4ysin maksutonta. Maksat vain 3% palvelumaksun palkannoston yhteydess\u00e4, laskun loppusummasta (sis. alv). Mihin sitoudun? Meill\u00e4 sitoudut vain noudattamaan k\u00e4ytt\u00f6ehtoja. Erillisi\u00e4 &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/kassavirtanen.fi\/en\/usein-kysyttya\/\"> <span class=\"screen-reader-text\">FAQ<\/span> Read More &raquo;<\/a><\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-827","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Tietoa Kassavirtanen.fi palvelusta | Laskutuspalvelu kevytyritt\u00e4j\u00e4lle<\/title>\n<meta name=\"description\" content=\"Paljonko maksan kassavirtanen.fi -palvelusta? 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