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.

If you are working for Wolt:

• UKKO.fi will inform Wolt that you have a Business ID account at UKKO.fi.
• Wolt will send you a Business ID service agreement to sign.
• Once you sign the Business ID agreement, UKKO.fi will start creating invoices on your behalf.

If you are working for Foodora:

• Send them a message informing them that you have a Business ID account at UKKO.fi. We will then start creating business ID invoices on your behalf once Foodora has accepted your notification.

Payments are automatic to your bank account. (Wolt pays on 10th and 25th of every month, while Foodora pays on 10th of every month)

• Wolt / Foodora deliveries: We charge 3.79 % of your invoiced amount. This single fee covers customer support, training materials on the website, and UKKO Assurance – nothing more is added.
• Any other customer: We charge 5 % service fee + 3 % for UKKO Assurance = 8 % of the invoiced amount.
• No setup fees, no monthly fees, no hidden extras.

We get your earnings straight from Wolt / Foodora and create the invoice for you—no action needed on your part, you will receive the money to your account automatically.

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.

1. Ask the substitute to open their own UKKO Light Entrepreneur with Business ID account and pick the Food Courier industry > Wolt / Foodora
2. They deliver under your courier profile → earnings first arrive in your UKKO account, with the 3.79 % courier fee and will be calculated as your business income.
3. When Wolt/Foodora pays you, withdraw the money to your bank account.
4. The substitute then sends you an invoice for their share (fee on that invoice = 3.79 % if they use UKKO.fi). Tutorial on how to create and send an invoice can be found here: https://www.youtube.com/watch?v=pyf8iPkcWE4&t=43s
5. On your year-end business tax return, the substitute’s invoices you have added to your bookkeeping will count as a business expense.

If the substitute uses another invoicing service

1. Delivery money still comes to your UKKO account (fees and taxes handled as usual)
2. The substitute invoices you from their own service; their service fees and taxes are handled on their invoicing service’s side. You will pay the substitute’s invoice and add it to your UKKO bookkeeping as a business expense.

In short:

• Discounted 3.79 % UKKO fee applies to every courier invoice created through our service (main user or substitute)
• Your substitute does not need to have their own business ID, they can use UKKO.fi or any other invoicing service to invoice you
• Add all the substitute invoices to your bookkeeping as a business expense so they can be calculated in your business’s taxation at the end of the year
• Both main account holder and substitute will pay taxes and service fees from the income they receive

What is Advance Payment?

• It is a service that pays your Wolt / Foodora invoice in 5 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.

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.

Here are the easy steps to shifting to business ID invoicing through UKKO.fi

1. Create your own Business Id here UKKO.fi Light Entrepreneur with a
   Business ID registration.
2. Do the registration which will give you the business ID free of charge
   immediately!
3. Make sure you choose Food delivery as line of work and select whether you
   work for Wolt or Foodora or both.
4. Authorize Ukko.fi to be your accountant on Suomi.fi (Authorization request instructions Accepting suomi.fi request)
    

If you are working with Wolt, UKKO.fi will inform Wolt that you are using UKKO.fi Business Id account.

1. Wolt will send you a Business Id service Agreement to sign.
2. Once you sign the business ID agreement, Ukko.fi will start creating invoices
   on your behalf.
3. Payments are automatic to your bank account. (10th and 25th of every
   month are the paydays)
4. Once you start using business ID for invoicing, please close the Light
   Entrepreneur without business Id account if you have one active:  Log in > Settings > Close Account     

The tax administration does not allow use of light entrepreneurship once you start using a business ID.

Make sure that Wolt / Foodora knows that you are using UKKO.fi as your bookkeeping service and that you have signed/updated the service agreement with them. The payment dates for Wolt are 10th and 25th of each month, for Foodora the 10th of each month.