Why us
Invoicing services compared
An advertised service fee is not the whole price. At some services insurance is a compulsory extra that lifts the real cost well above the headline percentage. Here the figures are added together.
What a 1 000 euro invoice costs
The comparison uses list prices, not campaigns. A campaign ends; the list price is what you pay in your second year. The rule applies to everyone, us included.
| Service | Service fee | Compulsory extra | All-in | On 1 000 € | Insurance |
|---|---|---|---|---|---|
| Palkkaguru, Basic | 1,90 % | none | 1,90 % | 19,00 € | not included |
| Palkkaguru, Smart | 2,90 % | none | 2,90 % | 29,00 € | included |
| Bisse, Light | 2,90 % | none | 2,90 % | 29,00 € | not included |
| Mylaskuni | 3,00 % | none | 3,00 % | 30,00 € | not stated |
| 4works (top band) | 3,60 % | none | 3,60 % | 36,00 € | included |
| Palkkaguru, Responsible | 3,90 % | none | 3,90 % | 39,00 € | included |
| Truster | 3,99 % | none | 3,99 % | 39,90 € | optional |
| Finjob | 4,00 % | none | 4,00 % | 40,00 € | included |
| Floy | 5,00 % | none | 5,00 % | 50,00 € | included |
| Toimipiste | 5,00 % | none | 5,00 % | 50,00 € | not included |
| Omapaja | 3,95 % | +3,00 % | 6,95 % | 69,50 € | compulsory |
| Eezy | 4,00 % | +3,00 % | 7,00 % | 70,00 € | compulsory |
| OP Kevytyrittäjä, without Business ID | 5,00 % | +2,50 % | 7,50 % | 75,00 € | compulsory |
| Ukko.fi | 5,00 % | +3,00 % | 8,00 % | 80,00 € | compulsory |
Prices checked 10.11.2026 from each provider's own pages. Each service's name links to the page the figure was read from. Palkkaguru's own figures come from our price list, and Palkkaguru is one of the services compared, worth knowing as you read. Service fee and compulsory extras added together, on the amount excluding VAT. If you spot an error, tell us. We will correct it and re-date the check.
Mylaskuni's price list shows a 0,99 % campaign rate valid until 31.12.2026; the table uses its standard rate of 3 %. The price list does not mention insurance.
What the table is telling you
- Compulsory insurance is what separates them. Ukko, Eezy and Omapaja advertise 5 %, 4 % and 3,95 % and add 3 % of insurance, OP Kevytyrittäjä adds 2,5 % to its 5 %. None of it can be declined. On a thousand-euro invoice the gap to Ukko is 41 to 61 euros, and it repeats on every invoice.
- The lowest list price is not the lowest for everyone. Basic's 1,90 % is the lowest standard rate in this table, but 4works' fee slides down with volume, as far as 1,0 %. Invoice enough and they pass us: the table shows their top band, because that is what someone sending a thousand-euro invoice pays.
- With us insurance is a choice, not a surcharge. Basic does not include it and the price reflects that; at Ukko, Eezy, Omapaja and OP Kevytyrittäjä it is compulsory and in the price whether you want it or not. So compare at the tier that matches the cover you actually need, rather than on the headline percentage.
- A percentage is not the whole story. On a small invoice a minimum charge decides what you pay: 9,90 € with us, 15 € per payment at Toimipiste, 7 € at Floy. On a large one a cap does: ours is 249 € per invoice, so a 20 000 euro invoice costs 249 € rather than a percentage of it, and most services in this table have no cap at all. The table on the price list shows the range where the advertised rate is the rate you actually pay.
- Check the basis, too. Some services charge their percentage on the amount excluding VAT, others on the invoice total including it. We charge on the VAT-free amount, which at the 25,5 % rate is about four euros less on a thousand-euro invoice.
What this comparison does not tell you
- The table stops at the invoice. Payout speed, customer service, collection and what happens when you need a Business ID are not percentages, and none of them are in it.
- "Included" is not a policy. The insurance column says a service carries cover, not what it covers or up to what limit. We have two, accident and liability cover, and they belong to different plans. The terms are on their own page. Compare the terms, not the word.
- What happens when a client does not pay. A fee comparison assumes the invoice is paid. Reminders and debt collection are part of what an unpaid invoice costs, and none of that is a percentage.
- How fast the money moves. We pay the same working day the client's payment reaches us. What each service promises is worth asking.
Frequently asked
- Why is Palkkaguru in its own comparison?
- Because we are one of the services being priced, and leaving ourselves out would make the table less useful rather than more honest. Every figure comes from the provider's own price page, ours included, and the date it was checked is under the table.
- How often are these prices checked?
- The date under the table is when each figure was last read from the provider's own pages. If you find one that has moved, tell us: we correct the figure and re-date the check.
- Does the lowest percentage mean the cheapest service for me?
- Not necessarily. The table prices one invoice of 1 000 euros. On a small invoice a minimum charge decides what you pay, and on a large one a cap does, which with us is 249 euros per invoice. Compare at the invoice size you actually send.
Tell us what you invoice, and we will work out which plan fits.
A free conversation, at our office or online. We go through whether light entrepreneurship makes sense in your situation, which plan works out cheapest for what you invoice, and whether you want the accident and liability cover. The conversation commits you to nothing.