Which banks can you pay with in Kivra?

You can pay with the following banks on the Kivra service: OP, Nordea, Danske Bank, S-Pankki, POP Pankki, Säästöpankki, Oma Säästöpankki. The missing banks will be connected to the service later during the year 2021.

What is Neonomics and what has payments completed with Kivra to do with it?

Neonomics is a Norway-based Payment Initiation Service Provider (“PISP”) offering Payment Initiation Services (“PIS Service”) in collaboration with Kivra to eligible users of Kivra. PIS Services will enable customers of Kivra to i.a. pay invoices that they receive in their electronic mailboxes directly by transfer of funds from their online bank accounts (a “PIS transfer”), as further set out and regulated in EU’s Revised Payment Services Directive (“PSD2”) (Directive (EU) 2015/2366) and any applicable national legislation. Please refer to the Payment Services Act (amended by act 898/2017) and the Payment Institutions Act 890/2017.

Further information can be found in Kivras general terms and conditions.

In which languages can I use Kivra?

You can use Kivra in Finnish, Swedish or English. Below you will find instructions for selecting and changing the language on application and on web browser. However, the choice of language is not affecting to the content you receive from the sender. The language of the documents and invoices is a contractual matter between you and the sender so contact the sender if you want to receive content in other language.

Kivra application: You need to select the language when you use the application for the first time. You can change the language later from the section “Language” when you are logged in to the service.

Please notice that in the iOS app version the language selection has moved to the device settings. In case you wish to change the user language in Kivra the primary language selections shall be first chosen in the language installations of the device (e.g. Finnish / Swedish / English).

Kivra in web browser: Select the language in login page. The language button is in the right upper corner of the page where you enter you credentials.

What are my responsibilities as a user of the service?

As a user, you have signed up for the service and will receive your documents in Kivra from senders that have chosen Kivra as their distribution channel. You are responsible for processing the electronic documents that you receive in Kivra, in the same manner as you are responsible for processing your regular mail. For example, you are obligated to open the electronic documents that you receive and to perform the measures necessitated by them.
You are also responsible for the functionality and costs of the equipment, data communication connections, browsers and software required for using the service, and for their compatibility with the requirements of the service.

How do I know that I have received a new invoice in Kivra?

You will be notified by email every time you receive a new document in Kivra. Notification will be sent to your verified email address. Please note that you must verify your email address to receive notifications. If you are using the Kivra mobile app, you will also receive a push notification on your phone whenever you receive a new document in Kivra.

Why do I keep receiving paper documents in the mail, even though I have an electronic mailbox?

In the service, you can receive electronic documents only from companies that have chosen Kivra as their distribution channel and with which you have a customer relationship. In some cases, the sender company has not digitised all of their distribution, meaning that some documents are still sent as paper documents.