Skip to content


All you need to know about light entrepreneurship can probably be found on this page.

Register for Omapaja invoicing service on Omapaja website. After registration, you will receive an ID in your email that will allow you to log in to Omapaja invoicing system. Log in to the invoicing system and first fill in your personal details, tax card, salary payment method and YEL insurance details. You can also choose a marketing name that will appear on your customer’s outbound invoice.

Making an invoice

In the invoicing system, you can make invoices to your customers using a ready-made invoice template. Once you have filled in the customer details on the invoice template, as well as the details of the work you are invoicing, your invoice will first be checked by Omapaja financial management team. We check that the invoice details are correct and then send the invoice to your customer using the delivery method you choose, either as an e-invoice, email invoice or mail.

Value added tax

When making an invoice in the invoicing system, you should note that VAT will be added to the invoice. The VAT rate is usually 24%, but can be 14% (food and catering), 10% (e.g. sports services) or 0% (e.g. reverse charge for construction) in certain cases. VAT is always paid by the buyer of the product or service. If your customer is a business, it may deduct the VAT included in the invoice on its own VAT return. When you are a light entrepreneur without your own business ID, you cannot take advantage of the lower VAT relief.

Card payments

As an Omapaja light entrepreneur, you can  accept card payments from your customers. You record cash payments in Omapaja invoicing system and you can print a receipt for your customer. You then transfer the cash sales to Omapaja bank account and you can collect your salary from the cash sales.

You can purchase an iZettle card payment terminal (price 97.96 €) through Omapaja and sign up for Omapaja iZettle account. Your customer pays you with the payment terminal and we record the card payment sales in the invoicing system. You can then collect your salary from the card payment sales. iZettle charges its own service fee for the service, which is 1.95% of card payments. 

Expenses deriving from your work

You can deduct the expenses of your work directly through Omapaja. Expenses are entered in the invoicing system with receipts and can be, for example, supplies and material expenses, travel tickets related to commuting, postage expenses related to your work, etc. You cannot deduct expenses that involve the possibility of private use or for machines or equipment intended for long-term use through Omapaja. Therefore, you cannot deduct, for example, a computer, telephone, restaurant dinner with your customer, professional literature or training costs through Omapaja.

Deduction of expenses means that expenses are taken into account as deductions in connection with your salary payment. They reduce the amount from which the withholding tax is deducted according to your tax card. Expense reimbursements are therefore tax-free allowances for you.

You can deduct certain expenses with your own tax return once a year. Such expenses may be e.g. YEL insurance premiums, service fees and insurance premiums withheld by Omapaja, workroom reduction, professional literature, tools and telecommunication connection.

Travel expenses deriving from your work

If you have to travel for work, you may be paid travel allowances through Omapaja. Travel allowances include kilometre allowance when travelling in one’s own vehicle, as well as daily allowances and meal allowances. Information on business trips and travel allowances applied for are entered into the Omapaja invoicing system.

You can be reimbursed for travel expenses through Omapaja in two different ways:

  1. If you charge travel allowances from your customer and invoice them separately using the “add travel allowance” function

- Travel allowances will be paid to you as fully tax-free travel allowances

  1. If you do not charge travel allowances from your customer or they are included in the total charge

- Travel allowances can be reimbursed to you without withholding tax upon payment. You will need to claim the travel allowances to be deducted on your own tax return.

- Please note! The amount deductible for tax purposes is often less than the amount of tax-free travel allowance. Check the Tax Administration’s instructions for the amount of deductible travel expenses for the year.

Salary payment

Salary is paid to you after your customer has paid the invoice to Omapaja. You can select the desired salary payment method in My profile. You can collect your salary as soon as your customer has paid the invoice, or you can also choose a specific payday. However, you will need to collect your salary on a monthly basis, that is it cannot be accumulated for longer periods of time. You can easily submit your tax card for payroll by uploading an image of the tax card to the invoicing system in My profile.

In connection with the salary payment, travel and expense allowances that you have entered into the invoicing system and that have been approved by Omapaja will be taken into account. No withholding tax will be deducted from these allowances.

Your salary will thus be deducted by

  • Withholding tax according to your tax card for gross salary
  • Omapaja service fee 5-7% of your VAT-free invoicing
  • Health insurance contribution 1.53% of gross salary if you are subject to YEL insurance
  • YEL insurance premium if you have taken out YEL insurance through Omapaja
  • You will always receive a payroll statement in connection with your payroll to the invoicing system. You will also receive a payroll certificate from us for the period you want.
Omapaja service fee

Signing up for Omapaja invoicing service is free of charge, and the use of the service does not include any fixed monthly fees. Omapaja charges a service fee from the light entrepreneur only upon the salary payment. That is, you only pay for the service if your customer has paid the invoice you made or you have received cash or card payments from your customer.

Omapaja service fee is differentiated into four levels and amounts to 5-7%. Your service fee will decrease as you accrue more invoicing. The service fee is calculated of your VAT-free invoicing. For example, if you have made an invoice for 1000 euros (+ VAT), the amount of the service fee is 7% x 1000 € = 70 euros. The service fee will be deducted from your net salary.

Omapaja service fee covers the following services:

  • Sending of invoices to customers by post, email or e-invoice
  • Recording of cash and card payments
  • Processing of expense and travel allowances
  • Automatic payment reminders to the customer
  • Voluntary and judicial recovery of receivables
  • Accounting, declarations and settlement of payments to the Tax Administration
  • Accident insurance, legal expenses insurance and liability insurance
  • Management and settlement of YEL payments to the insurance company
  • Payroll and payroll certificates
  • Notices and reports in accordance with the Customer Liability Act (Act on the Contractor’s Obligations and Liability when Work is Contracted Out, 2006/1233)
  • Experts website and job offers
  • Ready-made agreement templates for concluding an assignment agreement and an offer
  • Customer service by phone and email on weekdays 8.30-16, chat customer service on weekdays 8-22 and on weekends 9-18
  • If you are subject to YEL insurance, we will deduct a health insurance premium of 1.53% of your salary from your gross salary. The health insurance contribution is a statutory charge that is paid directly to the Tax Administration. The health insurance contribution covers the costs of Finnish health insurance.

Omapaja service fee and health insurance premium are deductible income-generating expenses in your own taxation, meaning you can deduct them on your own tax return.

Referral premium

As a user of Omapaja invoicing service, you can now recommend our service to a friend, neighbour or even a classmate. You will both receive a 75 € service fee discount on your referral.

Once your acquaintance’s total VAT-free invoicing exceeds 500 euros, a 75 € service fee discount will be activated for both of you. You can make a referral on the front page of Omapaja invoicing system, where you can send a referral code to your friend by email.


The Omapaja service fee also includes insurance for your operations. Through Omapaja, you are insured with group accident insurance, which covers accidents at work invoiced through Omapaja. Accident insurance is not valid on the way to work. The amount insured is 5,000 euros for treatment expenses, 25,000 euros for death and 30,000 euros for permanent handicap. In addition, the insurance company pays a daily allowance of 40 euros after the three-day deductible period for a short-term (less than one year) disability to work caused by the accident.

Through Omapaja, you are insured with legal expenses insurance and liability insurance. The maximum indemnity for liability insurance is 1,000,000 euros. The insurance indemnifies damage to the commissioner or a third party in accordance with the valid insurance terms and conditions. As a rule, the deductible per damages is 600 euros. The insurance does not cover damage caused by unprofessional work.

YEL entrepreneurs’ pension insurance

As a light entrepreneur, you are considered an entrepreneur from an insurance perspective, which is why no employee insurance premiums are deducted from your salary.

YEL insurance, i.e. entrepreneurs’ pension insurance, is the basis of an entrepreneur’s social security. It is used to calculate retirement and invalidity pension, sickness allowance, maternity, paternity, and parental allowance, special care allowance, rehabilitation allowance, access to unemployment allowance and survivor’s pension in the event of the death of an entrepreneur.

As a light entrepreneur, you must take out YEL insurance if your annual entrepreneur’s earnings exceed 8,063.57 euros (in 2021) and your work as an entrepreneur lasts for more than 4 months. The insurance obligation begins when you turn 18 and ends when you turn 68. Taking out YEL insurance is not compulsory if you are retired.

You can take out YEL insurance with a power of attorney through Omapaja from the pension insurance company Elo. Pension contributions are determined as a percentage of the income you choose. Pension insurance contributions are deducted from your salary through Omapaja every month and the contributions are the same on a monthly basis. If there is no salary to be paid, you pay the YEL contribution to the insurance company yourself. You can also take out YEL insurance yourself directly from the insurance company if your income is very irregular or you receive entrepreneur income through something other than Omapaja. YEL insurance premiums are deductible in your personal taxation.

Payment reminders and collection

If your customer does not pay the invoice on time, we will automatically send a payment reminder and payment notice to your customer. If your customer does not pay the invoice after this, it is possible to transfer the invoice to our collection agency. Omapaja service fee includes voluntary collection of invoices and legal collection of invoices exceeding 300 € (VAT 0%).

Job offers and Experts website

Omapaja Experts is a website where Omapaja light entrepreneurs can publish their own expert profile and receive job offers from commissioners. The address of the Omapaja Experts website is

Complete your own expert profile in the invoicing system, publish it on the Experts website and you can receive job offers from Omapaja partner companies!

You can also share your own expert profile on social media and gain more visibility for your business.

Offer template and assignment agreement

In the Omapaja invoicing system, you can create a good-looking offer for your customer using the Omapaja offer template. You can either print the offer in pdf format or send your customer a link to the offer, for example by email.

When you enter into an agreement with your customer for work, you can take advantage of Omapaja assignment agreement template. The terms and conditions of the assignment agreement template include general terms and conditions and liability and confidentiality clauses. The agreement itself may be supplemented by the parties to the agreement, as well as describe more detailed information about the agreement.

Payroll calculator

With the easy-to-use payroll calculator, you can calculate how much money you get for yourself from a certain invoicing amount. Alternatively, you can calculate how much you will need to invoice your customer to get yourself a certain amount of money. You should use the payroll calculator as an aid to pricing your own work.

Unemployment security of a light entrepreneur

As a light entrepreneur, you are generally also entitled to unemployment benefit if you are unemployed and light entrepreneurship is a side job. After registering as a light entrepreneur, the local TE Office will always assess whether your business is a main or secondary activity. As a part-time light entrepreneur, you are most often entitled to a reconciled unemployment benefit.

If you were a member of the employee’s unemployment fund when you joined Omapaja and light entrepreneurship is a side job, you can still continue to be a member of the fund and while you are unemployed, you can collect reconciled earnings-related unemployment benefit.

However, light entrepreneurship does not accumulate the employment condition of the unemployment insurance fund’s unemployment security. Instead, if your annual business income exceeds 13,247 euros (in 2021), you can join the entrepreneurs’ unemployment fund and accumulate unemployment security employment condition through it.

Customer service

Omapaja customer service by phone +358 44 4100 500 and by email on weekdays 8.30-16. Chat customer service on weekdays 8-22 and on weekends 9-18 You can ask our customer service for advice on all questions related to light entrepreneurship.


Download a free light entrepreneurship guide

The transformation of working life is today. Work is no longer done in a traditional employment relationship only. Light entrepreneurship has come alongside it.

Being a light entrepreneur is perhaps the easiest way to invoice your own work. It is today and the future. When starting as a light entrepreneurship, there are so-called “need to know” things you should consider. We wrote you a free guide with all the information you need to get started.

Download the guide