Effective e-invoicing

A digital mailbox for important letters, documents, ticketing and invoices now offers secure and easy open banking payments

Paying with open banking
A2A payments volume

Our collaboration

When Kivra, one of Sweden’s leading digital mailbox providers, launched in Finland in February 2020, they were one of the first businesses in Europe to offer open banking payments. Using Neonomics Payments, Kivra users could now initiate direct account-to-account (A2A) payments to pay invoices directly from their Kivra mailbox. This made it faster and easier for their customers to pay their invoices, while significantly reducing their transaction costs compared to debit or credit cards – a win-win for both Kivra and their customers.

Left to right: Yifan Yu, Senior Software Developer, Kivra Oy, Harish Belvadi, PSD2 Payments Expert, Neonomics and Tony Träskelin, Chief Technology Officer, Kivra Oy.

How it works

Using Neonomics, Kivra users can connect to their bank account and make an account-to-account payment quickly and securely from Kivra’s website or mobile app. No card or account number entry is needed, and the entire payment process takes place through the banks own security systems, providing end-to-end safety for the user.

Step 1

Receive a notification

Kivra sends an email and push notification that you have an invoice. You log in to Kivra to view the invoice.

Step 2

Review and pay

You review the invoice and click ‘Pay’. You choose your bank, and connect to your account with your bank ID system.

Step 3

Confirm and complete

You verify the amount, click ‘Confirm’ and enter the code from your bank to complete the transaction.

Invoices can be paid easily and securely

Easy and secure

Consumers can pay invoices received via Kivra easily and safely using A2A payments. The transactions are completed directly from the user’s own bank account and verified with a bank codes app provided by the user’s own bank.

Smart messaging

Kivra users do not need to worry about forgotten due dates or lost invoices since Kivra’s service sends out reminders of unhandled invoices.

Fast resolution

Users can view invoices and make a direct account-to-account payment right from their Kivra mailbox. After an invoice has been paid it will automatically be archived in company-specific folders.

Smart phone displaying Kivras digital mailbox

Digital post is a sustainable and fast way to both send and receive mail

Portrait of Arnt André Dullum, COO of Axactor
Don't have to take our word for it

"Neonomics stood out as the leading platform, offering a simple and effective solution that’s connected to all of the major Finnish banks. Being a pioneer is never easy and Neonomics has proven to be a reliable and responsive service provider."

Ilari Abdeen, CEO, Kivra Oy

Kivra now offers secure and fast A2A payments

Smart phone displaying Kivras digital mailbox

Kivra increased their conversion rate and lowered their transaction costs with A2A payments

Easy and effective

Increase your conversion rate and build brand loyalty with a streamlined payment flow that reduces manual entry making it faster and easier to pay.


Significantly reduce transaction fees associated with credit and debit card payments and eliminate interchange fees altogether.

Faster settlement

Reduce payment settlement times from days to just hours for your customers.

Start saving on every invoice

See how your business can start saving on every invoice with simple and secure account-to-account payments. 

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Intrigued? Let's talk!

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