Kravia Invoicing Overview

Kravia is an invoicing service that enables businesses to send invoices and manage payments across the Nordics (Norway, Sweden, and Finland). By integrating Kravia into your Dintero checkout, you can offer customers invoice-based payment terms while Kravia handles distribution, follow-up, and collection.

Payment Types

Payment Type	Description	Use Case
kravia.invoice_b2b	Business-to-business invoicing	One-time invoices to companies
kravia.invoice_b2b_grouped	B2B invoicing with automatic grouping	Multiple purchases consolidated into a single invoice per billing period
kravia.invoice_b2c	Business-to-consumer invoicing	Invoices to individual customers

Choosing Your Integration Approach

There are two ways to create invoices. For either approach, you can optionally deliver invoices yourself instead of having them delivered automatically.

How It Works

1. Customer selects invoice payment at checkout, or you create an invoice via the API.
2. Billing information is collected (name, address, email, phone).
3. Identity verification via BankID (if required and enabled for the payment type).
4. Invoice is registered and distributed to the customer. Or, with merchant delivery, you deliver it yourself and start collection by capturing the transaction.
5. Customer pays the invoice via their bank.
6. Dintero settles the funds through normal settlement.

Transaction Lifecycle

The transaction state depends on your configuration:

Next Steps

• Customer Checkout: customer selects invoice at checkout, includes configuration options, identity verification, invoice dates, and billing address details
• Grouped Invoices: consolidate multiple purchases into a single invoice per billing period
• Merchant Initiated: create and pay invoices without customer interaction
• Invoice Delivery: control who delivers the invoice, automatic or you