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Palkkaguru.fi vs. The Competition

There are several invoicing services in Finland that serve small entrepreneurs and freelancers. These services enable entrepreneurial activity without setting up your own company and without the administrative burden. In this comparison, Finland's most famous invoicing services and the features they offer are reviewed.

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Invoicing services handle invoicing, tax settlements and social security payments on behalf of the entrepreneur

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The entrepreneur therefore does not have to worry about accounting or other bureaucratic matters. The services usually charge a fee on the billed amount, which can be either a percentage or a flat fee.

Finnish invoicing services for small entrepreneurs and freelancers

Below is a comprehensive list of the most significant invoicing services in Finland, with their descriptions and key features. It is important to note that the prices and conditions of the services may change, so always check the up-to-date information directly on the service provider's website.

Main points of comparison:

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  • Fee/commission: How does the service charge? Is it a percentage of the invoice amount, a flat fee, or some other model?

  • Service content: What does the service include? For example, salary payment, settlement of advance taxes, VAT obligations, accident insurance, liability insurance, etc.

  • Implementation and ease of use: How quickly and easily can you join the service? Is the user interface clear?

  • Additional services: Does the service offer other benefits, such as training, partner benefits, or advice?

  • Customer service: How easy to reach and helpful customer service is?

  • Experience and reputation: What do current users think of the service?

The Main Competition

Ukko.fi logo

Ukko.fi (SLP Group Oy)

  • Description: One of Finland's best-known and largest invoicing services. Offers comprehensive services for small entrepreneurs and freelancers.

  • Service content:

    • Billing (in Finnish and English)

    • Salary payment (salary to the account even on the same day)

    • Managing advance taxes, health insurance premiums and other statutory payments

    • VAT obligations (if you wish, VAT obligation)

    • Accident insurance (according to the Occupational Accidents and Occupational Diseases Act)

    • Liability insurance (as a separate additional service or in certain packages)

    • Benefits for partners (e.g. occupational health care)

    • Customer service by phone and email

  • Reward: Percentage fee on the final amount of the invoice (incl. VAT). The fee decreases as the billing increases. Ukko.fi also has package models with a fixed monthly fee and a smaller percentage.

  • Specialties: Ukko.fi invests a lot in marketing and brand building. Also offers comprehensive learning material and a blog for small entrepreneurs.

Odeal logo

Odeal (Free.fi/OmaPro Oy)

  • Description: Odeal is a newer brand of the Free.fi service, which offers an easy and fast way to bill without your own social security number.

  • Service content:

    • Invoicing and salary processing

    • Managing taxes and social security payments

    • VAT services (VAT obligation possible)

    • Accident insurance (statutory)

    • The entrepreneur's voluntary insurances (e.g. liability insurance possible)

    • Customer service

  • Reward: A percentage fee of the invoiced amount. The price model is often very competitive.

  • Specialties: Odeal has invested a lot in ease of use and a modern user interface. Provides a fast salary payment.

Eezy.fi logo

Eezy Small Businesses (Eezy Oyj)

  • Description: Eezy is Finland's largest personnel service company, which also offers light entrepreneurship services. The service is a reliable and stable operator.

  • Service content:

    • Billing service

    • Salary payment and administration of advance taxes

    • VAT obligations (registering as VAT liable is possible)

    • Accident insurance

    • Liability insurance (often included in the service fee)

    • User support

    • An electronic system for creating and tracking invoices

  • Reward: Percentage service fee of the billing amount.

  • Specialties: Eezy's extensive experience in the personnel service industry brings reliability. They often also offer various guides and webinars for entrepreneurs.

Truster.fi logo

Truster (OpusCapita Solutions Oy)

  • Description: Truster is an invoicing service developed by OpusCapita, which is aimed especially at light entrepreneurs and small entrepreneurs on the B2B side.

  • Service content:

    • Invoicing service (including tax and payment management)

    • Payroll

    • VAT processing

    • Legal guidelines

    • Often also insurances (accident, liability)

  • Reward: Usually a percentage fee on the final amount of the invoice.

  • Specialties: Truster is backed by OpusCapita, which brings strong expertise in financial management solutions to the service. Emphasizes professionalism and reliability.

Palkkaus.fi logo

Palkkaus.fi (Palkkaus.fi Oy)

  • Description: Palkkaus.fi was originally developed for employers for payroll, but it is also suitable for small business owners and freelancers who want to manage their own payroll as independently as possible. It is more of a salary payment service than a full-fledged invoicing service in the traditional light entrepreneur sense.

  • Service content:

    • Payroll and salary payment

    • Managing employer obligations (pension, unemployment insurance, health insurance, accident insurance).

    • Tax administration notices

    • No actual invoicing service for the customer (invoicing by the entrepreneur himself)

  • Reward: Usually a monthly payment or a transaction-based payment per payroll.

  • Specialties: It's a good fit if you want to keep more control over payroll and invoicing yourself. It is not a traditional "light entrepreneur service", but more focused on the automation of salary payment.

Why Palkkaguru.fi stands out?

Palkkaguru.fi is built to eliminate the fluff and complexity of other invoicing services. While others focus on volume or broad branding, Palkkaguru.fi focuses on clarity, flexibility, and personal service — especially for freelancers and experts who want control without hidden fees, confusing options, or poor service.

  • Personalisation Over Scale: Unlike large-scale providers (e.g., Ukko.fi or Eezy), Palkkaguru.fi offers direct access to real people who understand your situation — ideal for professionals who don’t want to be a number in a system.

  • Simplicity and Transparency: Many services have complex fee structures or bundled "benefits" you may never use. Palkkaguru.fi is straightforward, with no hidden costs and clear pricing.

  • Speed Without Compromise: Fast salary transfers (even same-day), handled with care and clarity. No confusing user interfaces or waiting games.

  • Focus on Core Value, Not Add-ons: No gimmicky webinars or bloated partner programs. Just what matters: fast invoicing, clean interface, responsive support, and full compliance.

  • Trusted by Experts Who Want Control: For those who want to feel like real professionals, not side hustlers. Palkkaguru.fi gives you freedom and professional treatment.

Choose Palkkaguru.fi — Because You Deserve Simplicity, Speed, and Personal Service!
While others distract you with packages and perks, we focus on what matters: clean invoicing, clear pricing, fast payments, and people who actually care.

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