# Finland Invoice MCP 🇫🇮 — How can my AI agent send a Peppol e-invoice (verkkolasku) in Finland?

<!-- install-cta -->
## Use it in 60 seconds

Paste this into your MCP client config (Claude Desktop, Cursor, Windsurf, or any MCP-capable agent):

```json
{
  "mcpServers": {
    "finland-invoice": {
      "type": "http",
      "url": "https://inv-fi.wishpool.app/mcp"
    }
  }
}
```

Nothing to install. Credentials, when you need them, travel as HTTP headers on each request and are never stored — see the [threat model](https://mcp.wishpool.app/trust).

### Or run it yourself

Would you rather not send production credentials to a server you do not control? Deploy this identical code to your own account and point your agent at your own URL:

[![Deploy with Vercel](https://vercel.com/button)](https://vercel.com/new/clone?repository-url=https://github.com/junter1989k-ai/finland-invoice-mcp)

```bash
git clone https://github.com/junter1989k-ai/finland-invoice-mcp && cd finland-invoice-mcp && npx vercel --prod
```

MIT-licensed. Self-hosting removes us from the picture entirely, at no cost and with no loss of function.

---

Remote MCP server that lets any AI agent send **Finland B2B/B2G electronic invoices** (verkkolasku) over the **Peppol** network in **Peppol BIS 3.0 / EN 16931** format via **Storecove**, a certified Peppol Access Point. It builds the structured invoice, computes the Finnish VAT (ALV) breakdown — including the **25.5% decimal standard rate** — and delivers it under the merchant's own Storecove account. Stateless, bring-your-own credentials, never stores anything.

**Live endpoint:** `https://inv-fi.wishpool.app/mcp` · Registry: `app.wishpool/finland-invoice-mcp`

## Why now — the Finnish mandate

Finland mandates structured e-invoicing (verkkolasku) for **public-sector suppliers (B2G) since 2020-04-01**. For **B2B**, a business has the **right to require** an e-invoice from another business (when turnover exceeds EUR 10,000) under the **Act on Electronic Invoicing (241/2019)** — a right to demand, not a blanket obligation to send. Peppol/Finvoice is the Finnish rail, so sending over Peppol now is future-proof.

## The 25.5% decimal VAT rate

Finland's standard VAT (ALV) rate is **25.5%** — a decimal rate, in force since **2024-09-01**. This server's VAT math handles fractional rates. Valid rates: **25.5** (standard), **14** (food/restaurant), **10** (books/pharmaceuticals/passenger transport), **0** (zero-rated/exempt/reverse charge).

## Quick start

```json
{
  "mcpServers": {
    "finland-invoice": {
      "type": "http",
      "url": "https://inv-fi.wishpool.app/mcp",
      "headers": {
        "x-storecove-key": "your-storecove-api-key"
      }
    }
  }
}
```

Sign up at **storecove.com** — the merchant is the Peppol Access Point account holder. **Request a free 30-day sandbox account from Storecove** for a test key (sandbox does not need production onboarding). Create your sender under *Senders* to get the `legalEntityId` you pass as `seller_legal_entity_id`. Sandbox vs production is determined by the account your key belongs to — the base URL is the same. Authentication is HTTP Bearer with your key. Your key stays with you and travels per-request; this server never stores it.

## Tools

| Tool | What it does |
|---|---|
| `check_recipient` | Peppol participant discovery — is the buyer reachable on Peppol before you send? Pass the identifier (Y-tunnus scheme `0037`, or VAT scheme `0213`). Returns `can_receive`. **The safe pre-flight.** |
| `create_invoice` | Build a Peppol BIS 3.0 invoice from seller + buyer (Finnish VAT `FIxxxxxxxx` / Y-tunnus business ID, address) and line items (description, net unit price, VAT rate 25.5/14/10/0, quantity), then submit over Peppol via Storecove. Returns a submission `guid` + computed VAT totals (`taxable`, `vat`, `total`). |
| `get_delivery_evidence` | Fetch the proof of what was sent and the Peppol delivery status by `guid`. |

Amounts are in EUR. Finnish VAT (ALV) rates: **25.5** (standard, decimal), **14** (food/restaurant), **10** (books/pharmaceuticals/passenger transport), **0** (zero-rated/exempt/reverse charge). Parties identified by **Finnish VAT** (`FIxxxxxxxx`) and/or **Y-tunnus** business ID (7+1 digits).

**No cancel over Peppol** — to reverse an invoice you issue a credit note (a new invoice). `create_invoice` needs `seller_legal_entity_id` (your Storecove sender id). Owner policy guardrails ride optional headers (`x-agentpay-max-amount`, `x-agentpay-approval-above`, `x-agentpay-allowed-tools`) — set by the human owner in client config; the agent cannot relax them.

## VAT math (deterministic)

Per line `amountExcludingVat = round2(quantity × unit_price)`; grouped by `(rate, category)` into `taxSubtotals` (`taxableAmount`, `taxAmount = round2(taxable × rate / 100)`); gross `amountIncludingVat = taxable + tax`. Examples (note the decimal 25.5% rate):

- `100 + 50` both @25.5% → taxable **150.00** / vat **38.25** / total **188.25**
- `200 @25.5% + 100 @14%` → taxable **300.00** / vat **65.00** (51 + 14) / total **365.00**
- `2×50 @25.5% + 3×10 @10% + 1×25 @0%` → taxable **155.00** / vat **28.50** (25.50 + 3.00 + 0) / total **183.50**
- rounding at the decimal rate: `33.33 @25.5%` → vat **8.50** (from 8.49915) / total **41.83**

## Endpoints wrapped (Storecove REST)

- Base: `https://api.storecove.com/api/v2` (single base URL; auth = HTTP Bearer with your API key)
- Send: `POST /document_submissions` — JSON `{ legalEntityId, routing, document:{ documentType:"invoice", invoice:{…} } }` → `{ guid }`
- Evidence: `GET /document_submissions/{guid}/evidence` — proof of what was sent + Peppol delivery status
- Discovery: `POST /discovery/receives` — JSON `{ documentTypes, network, metaScheme, scheme, identifier }` → `{ code:"OK", email }`
- Verified probe (2026-07-10): a fake Bearer key really hits `api.storecove.com/api/v2` → `403 {"errors":[{"source":"generic","details":"Not Authorized"}]}` (endpoint alive; BYO = the merchant's own key validates).

## Develop

```bash
node test/serve.js   # local server on :3238
node test/e2e.js     # VAT math (incl. 25.5% decimal) + Peppol JSON structure + protocol + validation + policy + fake-key live probe
```

## Safety

Pure stateless translation layer over the Storecove REST API. **Storecove is the certified Peppol Access Point** under the merchant's own account; this service never signs, never onboards, and never stores anything. The API key travels per-request in a header, and funds are never touched — this issues tax invoices, it does not move money. [Privacy policy](https://inv-fi.wishpool.app/privacy).

## Sister servers

Local invoices, one family: Belgium Peppol (inv-be) · Sweden Peppol (inv-se) · Italy FatturaPA (inv-it) · Malaysia MyInvois (inv-my) · Mexico CFDI (inv-mx) · Brazil NF-e (inv-br) · India GST (inv-in). **Storecove also covers Norway, Denmark, the Netherlands and Luxembourg on Peppol — those sister countries replicate this exact server.** Local logistics: [logi.wishpool.app](https://logi.wishpool.app). Local payments in 81 countries: [mcp.wishpool.app](https://mcp.wishpool.app).

MIT licensed.