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In Finland, a decision was made that SEPA Direct Debit is replaced with e-invoicing. There are two main e-Invoice standards currently in use:
- The newest Finvoice version is 2.01, which also includes Direct Payment ( suoramaksu)
- Finvoice versions 1.2 and 1.3
Finvoice is a message sent from customer to bank. XMLdation validates both TEAPPS and Finvoice messages with or without SOAP envelope.
Read more http://www.finvoice.fi (in Finnish).
Finvoice example files with and without SOAP can be downloaded below.