Invoice securely through an official partner of Wolt & Foodora

Open the https://kevytyritys.ukko.fi/en/registration website.

1. Fill in your Email and choose a password.
2. Agree to the terms of service.
3. Then Select "Create an account, getting started is free".
4. The system logs you in.
5. Create a business ID by filling in the Onboarding questionnaire and adding your bank details and Tax percentage.
6. Choose a vehicle you use at work.

Click here for more specific instructions.

If you already have your own existing Business ID, after you have registered to the service, please contact our customer service (couriers@ukko.fi) – we will help you set things up!

When signing up for UKKO Light Entrepreneurship with your own business ID, Suomi.fi authorization is a very important permission you need to give us. This permission lets UKKO.fi act as your accountant towards the tax administration. We will need these permissions to handle the bureaucracies, like filing VAT’s and yearly tax returns on your behalf. We need this immediately after you have registered, so we are able to start operating on your behalf.

After you have registered with UKKO Light Entrepreneurship with Business ID, we will send you a notification asking you to log on to the Suomi.fi website with a strong identification (eg. your bank credentials). In the Suomi.fi -service you will find a permission request from “UKKO Yrittäjyyspalvelut Oy”. You need to accept our permission request so we can finalize setting up the service.

How do I accept the Suomi.fi authorization request?

Please click the link below to read the step-by-step procedure for accepting our request in Suomi.fi -service.

Step-by-step procedure of accepting the Suomi.fi authorization request.

When you register your own business ID with UKKO Light entrepreneurship with your own business ID, we will contact Wolt and inform them about your business ID. Wolt will then contact you to confirm your agreement with them and agree with you about the actual invoicing start date with UKKO.

Service fee for courier/rider work is 3.79 % of your invoiced amount. This is all inclusive and there are no additional or hidden charges. This includes for example automatic invoicing to food delivery companies, first class customer service and support, our training materials, and UKKO Assurance which means you are insured in your work.

If you create an invoice manually to another customer (other than Wolt) using our service, our standard fee will apply to these invoices. Our standard fee is 5 % service + 3 % UKKO Assurance fee and is calculated from the invoiced amount excluding VAT.

If you are working as a courier partner with Wolt or Foodora, we will receive your earnings data directly from them and automatically create an invoice for you in our service. You don’t need to do anything towards us.

Costs related to your vehicle and work related travelling is one of the most important areas of documenting your business. You can only deduct your travel costs if you maintain an accurate driving log according to the tax authorities demands. As travel costs are a very significant part of your expenses you will save thousands of euros by making driving log a part of your daily or even hourly routine. It might seem like a lot of work, but you absolutely need to do this to avoid back taxes and troubles with your taxation!

For every single business related drive you need to record the following information:

1. Start and end time of the trip.
2. Start location, end location and, if necessary, the route driven.
3. Kilometres driven.
4. Purpose of the trip.
5. Odometer reading at the start and end of the tip.
6. The driver of the car.
7. Total kilometres driven in the car during the year.

For more information, please read the Tax Administrations vehicle expense instructions here.

The format for the driving log is optional, you can keep it in a manual notebook, excel or any other format. To make things a bit easier we strongly recommend you use an application such as Drivers Note for tracking your drives.

Depending on your situation you can either claim all the expenses related to your car (or other vehicle) or claim tax free kilometer allowances.

If you estimate you use your car over 50 % for business related drives, you need to add the car to your bookkeeping and deduct all car related costs by adding all car related receipts (eg. Gas, maintenance, washes) in our service.

If you estimate you use your car under 50 % for business drives, you can not add the car or any car related receipts to your bookkeeping. Instead, based on your driving log, you need to claim kilometer allowances (0,53 € / km in 2023) in your yearly tax return.

We will send you a tax filing questionnaire after the year has ended and ask you to provide all business drive kilometers for the whole year. Based on this, we will do the kilometer allowance deductions for you on your tax return.

In order to avoid back taxes and troubles with your taxation it is extremely important you document your travelling exactly according to the instructions of the tax authorities. You need to store these documents yourself for 6 years, in case the tax administration asks for them.

This means you need to keep a very close track and have specific documentation of all personal and business drives you do with the car.

As you are working with you own business ID, changing your bookkeeping service is not as straightforward as it is when you are invoicing without your own business ID. If you want to change your bookkeeping service provider, you need to:

1. Submit a notice of termination from your UKKO account in the settings tab. State the date of service termination and the reason for termination. You will receive a confirmation when your termination has been processed. Please note that we will stop doing your VAT filings once you have terminated the contract with us.
2. The resignation period is about one month, after which we will send you an email with a link to download your bookkeeping materials.
3. We will also return the VAT, withheld taxes and any outstanding balance to your bank account.
4. You need to take this material to your new bookkeeping service so they are able to take over your bookkeeping.

Important: When you have your own business ID, you need to be sure your VAT filings and tax returns are done, even when you have no invoicing (UKKO.fi will do this for you, if you have an active account with us). If you terminate your service agreement with us, you need to do these filings yourself or find another bookkeeping service to do this for you.

If you stop working as an entrepreneur with your own business ID altogether, you need to make sure you terminate your Business ID in the government records. Terminating your bookkeeping agreement with UKKO doesn’t mean your business ID will be terminated.

If your private trader activity ceases completely and you do not intend to continue it later, please follow these steps to completely terminate your Business ID:

1. Use this online link to terminate Light Entrepreneurship with business id operations.More information here
2. Submit a notice of termination from your UKKO account in the settings tab. State the date of service termination and the reason for termination. You will receive a confirmation when your termination has been processed.
3. We will return the withheld tax prepayments to your bank account.
4. We process the latest VAT declaration according to the month of termination and pay the VAT to the Tax Office.
5. We will send the materials of your bookkeeping to your email when your bookkeeping is finalized. We will also pay the final balance and VAT on purchases to your account.
6. The business tax return should be done the following spring after the termination of Business ID. Prepare a tax return and a possible VAT return in MyTax.
7. Keep your accounting materials for 10 years and receipts for 6 years.

See here for the Tax Office’s checklist for terminating a Business ID.

As the main account holder, you can work with an approved partner (substitute).

1. Open a Light entrepreneur with business Id
2. Choose the correct industry: “Food Courier”> “Wolt” / “Foodora” or both.
3. Login to suomi.fi website and accept authorisation request from UKKO Yrittäjyyspalvelut Oy.

Please allow your previous invoicing company to process your current delivery period’s invoice to enable smooth change of invoicing service.

To be part of automated invoicing, you need to take a few steps towards Wolt and/or Foodora:

WOLT: UKKO.fi will inform Wolt that you will henceforth be invoicing through UKKO.fi. Wolt will then send you a service agreement which you need to accept. After this UKKO.fi will get your invoicing data and create your invoice automatically two times per month.

FOODORA: You need to inform Foodora that you will be using UKKO.fi, and they will include you in the consolidated invoice data. We will then create your invoice automatically once per month

Substitution

1. Next step- ask approved substitute to also create an account with fi– either Light entrepreneurship or Light entrepreneurship with business ID.
2. Ask the substitute to make sure they Choose the correct industry: “Food Courier” > “Wolt” / “Foodora” so that they get the 3.79% service fee discount.
3. The earnings from the food delivery company will first come into main courier partners UKKO business ID Service fees (3.79%) will be charged. (Calculation of your taxation as a business is done at the end of the year).
4. Wait for the food delivery company to pay you. This typically takes around 14 days (about 2 weeks) for your invoice to get paid.
5. Withdraw the money into your bank account or wait for the money to automatically go to your bank if you chose that option on the withdrawal settings.
6. The link to guidance on creating and withdrawing money in your Ukko business ID account is here Creating and withdrawing money
7. Then ask your substitute to send you an invoice. The amount depends on your sharing percentage agreement. The link to guidance on how to create an invoice is here: Creating and Sending an Invoice
8. Your substitute will be taxed according to their individual / business tax percentage as the salary recipient. A Service fee of 3,79% is charged for the invoice the substitute sends you if they invoice you through fi. Other mandatory deductions are also made from the substitute for example Health insurance.

NOTE: It is important that there will be a record of earnings coming into your business ID account on your business income statement.Remember taxation calculation in business is done at the end of the financial year. The calculation is done on the net income of the business. The substitute is your business expense.

Appointing a partner/substitute when substitute uses other invoicing service than UKKO.fi

If you appoint a substitute who is using another invoicing service:

• Payment from Wolt / Foodora comes first to your (Main Account Holder) bank account.
• All deductions are made from your UKKO.fi account – VAT, service fees and the business tax.
• Then ask the substitute to create and send you an invoice from their service.
• All deductions are made from the substitutes side- VAT, personal taxes, service fees and other deductions.

What is Advance Payment?

• It is a service that pays your Wolt / Foodora invoice in 1 or 2 working days!
• This service is FREE at UKKO.fi. (Other invoicing services charge you 5%)

How does Advance Payment work?

• You should operate a business ID account.
• Ukko.fi creates and sends group invoice* to Wolt / Foodora.
• Wolt/ Foodora confirms the invoices.
• Ukko.fi pays your earnings to your bank account on the same day!
• Depending on bank delays, it may take 1-2 days for the money to reflect in your bank account.

* Your invoice must be in the group invoicing for that payment period.

What is UKKO Assurance?

• UKKO Assurance is now also available to UKKO Light Entrepreneurship with a business ID.
• In addition to accident and liability insurance, UKKO Assurance includes several different benefits that our customers can take advantage of.
• All the benefits of UKKO Assurance can be found in the UKKO Assurance section of the service when you log in to your account.
• We want to make the lives of entrepreneurs easier by providing additional security and a variety of benefits for entrepreneurs.

UKKO Assurance includes

• Insurance: accident insurance, liability insurance (includes, among other things, legal expenses insurance and consultancy insurance)
• Free-of-charge uncontested legal collection
• Contract model library
• Proxies and documents
• Negotiated benefits (value-for-money discounts, e.g. rental cars, business premises, work clothes, accommodation, training materials, banking services, health and welfare services and wholesale purchases)

Additional security

Please note that in certain industries there are statutory requirements for insurance that entrepreneurs working in the industry must obtain. Some industries are also excluded from ordinary insurance due to their nature of the work. Please review the requirements for your industry and the insurance coverage. If necessary, you can obtain the necessary insurance and additional security, for example, by contacting If.fi’s customer service.

How can I get UKKO Assurance?

UKKO Assurance is a part of our service automatically.

How much does UKKO Assurance cost?

UKKO Assurance normally costs 3% of your invoicing. For Courier Partners, UKKO Assurance is included in the 3.79% service fee.

What is Fast Payment service?

With a Fast Payment you can get your salary fast, without the effects of bank delay.

Normally, it will take one bank day before you can see your salary on your bank account.

With fast payment you can beat the delay and receive your salary to your account in only about 15 minutes!

How do I get fast payment?

Login to your own UKKO account.

Click the “Pay salary” button in the “Salaries” tab.

Choose the salaries you want to pay yourself.

Choose the fast payment to get your salary immediately.

Check the salary summary.

Click salary to payment.

Please note!
For salary payment, we need your tax card and account number. So please check that your tax rate is shown on your UKKO account. The payer of the fast salary is shown as Trustly and not UKKO Yrittäjyyspalvelut Oy, as is the salary paid by normal bank transfer. Please note that the payment of the invoice must be visible on UKKO.fi before we can pay your salary as a fast payment.

UKKO – Accident Insurance

• The accident insurance covers accidents that occur while working through the UKKO.fi service. It does not cover commutes or occupational diseases.
• Typical covered accidents include tripping incidents in stairwells or restaurants while picking up food.
• The insurance does not cover incidents for which compensation is available under other laws, such as the traffic insurance law.

UKKO – Accident Insurance Details

• Most traffic accidents fall under the traffic insurance legislation.
  The traffic insurance law will be updated starting from 1.6.2024.
• In the future, electric scooters and other unregistered electric vehicles that travel over 25 km/h or weigh more than 25 kg must be insured with statutory traffic insurance.
• Companies and entrepreneurs renting out electric scooters must insure all rentable scooters with traffic insurance.
• More information on the law change:
  • New traffic insurance law effective from 1.6.2024 (lvk.fi)
  • Test if your vehicle needs traffic insurance (lvk.fi)

Examples of Typical Accidents Covered by UKKO Accident Insurance

1. A food courier arrives at the destination and trips while climbing the stairs, injuring themselves.
– The accident is covered by UKKO Accident Insurance.
2. A food courier arrives at a restaurant to pick up an order, trips on a doormat, falls, and injures their knee.
– The accident is covered by UKKO Accident Insurance.

Examples of Typical Damages Covered by UKKO Liability Insurance

1. A food courier arrives at the destination and rushes up the stairs, accidentally knocking down another person, causing injury.
– The damage caused is covered by UKKO Liability Insurance.
2. A food courier arrives at a restaurant to pick up an order and places the food on top of an aquarium in the lobby with too much force, breaking the glass and contaminating the aquarium. The repair and cleaning costs are substantial.
– The damage is covered by UKKO Liability Insurance.

Examples of Traffic Accidents Not Covered by UKKO Accident Insurance

1. A food courier is transporting a meal by bicycle, on foot, by car, electric scooter, electric scooter, or other electric vehicle. A car crashes into them, causing injury.
– The car at fault is responsible, and the courier will receive compensation from the car’s traffic insurance for medical expenses, temporary harm, lost wages due to disability, rehabilitation costs, permanent harm, and potential permanent disability.
– The accident is not covered by UKKO Accident Insurance.
2. A food courier is transporting a meal with a traffic-insured vehicle (car, own electric scooter, own electric scooter, or other personal electric vehicle) and causes a traffic accident.
– The vehicle’s traffic insurance will cover the costs of personal injury (medical expenses, temporary harm, lost wages due to disability, rehabilitation costs, permanent harm, and potential permanent disability).
– The accident is not covered by UKKO Accident Insurance.
3. A food courier is transporting a meal with a rented traffic-insured electric scooter and causes a traffic accident.
– The traffic insurance will cover the medical expenses for personal injury for the rented electric scooter driver.
– The accident is not covered by UKKO Accident Insurance.

Example of a Traffic Accident Covered by UKKO Accident Insurance

1. A food courier is traveling by bicycle, on foot, or with a non-traffic-insured electric scooter, electric scooter, or other electric vehicle and is involved in an accident with a cyclist, pedestrian, or another non-traffic-insured vehicle.
– The accident is covered by UKKO Accident Insurance.