Next-Gen Invoice Payments: How Kivra Uses Open Banking in Digital Mailboxes

Kivra, one of Sweden’s leading digital mailbox providers, was among the first companies in Europe to embrace open banking payments. In 2020, they launched a custom integration using Neonomics’ Pay by Bank API, enabling users to pay invoices directly from their Kivra mailbox with secure account-to-account (A2A) payments. This innovation simplified invoice settlement, reduced payment times from days to hours, and drove adoption of A2A payments by over 265% in the past year.

Kivra was also the first company in Finland to make scheduled A2A payments available to their users. Using Neonomics' scheduled payments feature, Kivra users can decide which date the invoice payment should be processed on when they first receive the invoice, so that they won't accidentally forget or miss the due date. Scheduled payments now make up around 15% of their transaction volume.

Building on this success, Kivra transitioned to Nello Pay, Neonomics’ ready-to-use hosted payment solution, to unlock even more capabilities. With Nello Pay, Kivra offers a frictionless payment experience featuring embedded remittance information, scheduled payment options, pay by link, and real-time payment status—all backed by bank-grade security, Strong Customer Authentication (SCA), and Verified Payee services. This upgrade allows Kivra to maintain compliance effortlessly while focusing on enhancing their digital mailbox experience, delivering faster, smarter, and more secure payments for millions of users.